Borrow against your stocks for capital efficiency.
Borrow posts any Flo token as collateral and mints USDC or USDT instantly. No sale of the underlying, no taxable disposal, no credit check — just transparent LTV and an onchain repayment schedule.
The full Borrow spec lives in the docs
Open, top-up, repay, and close a loan; rate tables; LTV and liquidation semantics; the developer-fee object for origination revenue. Python and Node.js tabs, copy-ready.
How borrowing works
Three stages, one API call. No manual underwriting. Repay whenever — positions are open-term.
Post collateral
One POST call with the Flo token you're pledging and the USDC amount you want. Flo escrows the collateral into the borrow SPV vault.
LTV check & instant disbursement
If the requested amount is within the asset's max LTV, USDC is sent to your destination wallet in the same transaction. No manual underwriting.
Repay anytime
Repay with any amount — interest only, principal paydown, or close the position entirely. Collateral is released pro rata.
What you get with every borrow
Overcollateralized, transparent, composable. No manual underwriting and no credit checks.
Instant stablecoin, no sale
Post tokenized stock as collateral, receive USDC or USDT on the same chain in one transaction. No disposal of the underlying — no taxable event in most jurisdictions.
Overcollateralized, transparent LTV
Every borrow is backed by ≥125% collateral. LTV is set per asset class and published live. Partial liquidations protect your position from being fully wiped.
Tax-efficient capital
Unlock liquidity from appreciated positions without realizing gains. Used by founders, treasuries, and long-holders who want to stay long and stay liquid.
Health-factor alerts
Subscribe to borrow.health_low webhooks at 1.3, 1.15, and 1.05 factors. 12-hour grace period before any liquidation is enforced.
ERC-20 composable debt receipts
Your borrow position is represented as an ERC-20 debt token. Use it in vaults, recurring repayment agents, or your own account abstraction setup.
Origination fee collection
Pass developer_fee.amount_bps on any borrow to charge your users an origination fee. Flo settles it daily to your wallet in USDC.
LTV & liquidation by asset class
Max LTV is the ceiling at origination. Liquidation LTV is the threshold that triggers the grace window. Both are published live in the SDK rates feed — see the Borrow reference in the developer hub.
| Asset Class | Examples | Max LTV | Liquidation LTV |
|---|---|---|---|
| Large-cap equities | AAPL, NVDA, MSFT | 70% | 78% |
| Blue-chip ETFs | SPY, QQQ, VTI | 75% | 82% |
| Government bonds | TLT, SGOV, IEF | 85% | 92% |
| Corporate credit | LQD, HYG | 65% | 75% |
| Private credit | ARCC, BXSL | 40% | 55% |
Liquidation mechanics
Borrowing is not risk-free. Here's exactly what happens when a position approaches the liquidation threshold.
Threshold
Liquidation triggers when LTV crosses the published liquidation threshold (see table below). Triggers are evaluated against a 30-second TWAP, not a single tick.
Grace window
A 12-hour grace period lets borrowers top up collateral or repay debt before any liquidation is enforced. Health-factor webhooks fire at 1.3, 1.15, and 1.05.
Partial liquidations
Liquidators can only close 50% of the position at a time. This protects borrowers from total wipeouts on temporary price dislocations.
Unlock capital without selling
Grab an API key, post any Flo token as collateral, and call client.borrow(). USDC hits your wallet in the same transaction.