Put capital to work, earn variable yield from borrowers.
Supply lets any fintech, treasury, or vault deposit USDC or USDT on Arbitrum into the Flo lending pool. Yield accrues from t0, the position is a tokenized lending-vault share, and withdrawals settle on demand against available liquidity.
The full Supply spec lives in the docs
The pool model, the two-kink utilization curve, the tokenized lending vault mechanics, withdrawal queue semantics, and the developer-fee object. Python and Node.js tabs, copy-ready.
How supply works
One SDK call, lending-vault shares, yield from t0. The pool funds borrowers who post Flo-issued collateral; you earn the spread.
Submit the supply
One POST call with the asset (USDC or USDT on Arbitrum), amount, and chain (Arbitrum, 42161). Flo Finance escrows the stablecoin into the lending pool held at institutional custodians and issues lending-vault shares to your destination wallet.
Yield accrues from t0
Borrower interest, less the reserve factor, accrues to the vault NAV continuously. Your shares reflect the live yield without any explicit claim transaction.
Withdraw against available liquidity
Call withdraw at any time. The vault-share lock and order_id creation happen atomically in one on-chain tx; the locked shares are burned and the stablecoin payout is delivered in the same settle(order_id) tx, once pool liquidity covers it. If the pool is at the utilization cap, the order remains active and clears as borrowers repay or new supply arrives. user_cancel(order_id) releases the locked shares back to the source wallet if the recovery window elapses (no re-issuance; the shares were never burned).
What you get with every supply
Yield from t0, tokenized lending vault, composable position token, and full event-driven reconciliation. Symmetric to buy and sell on the same SDK.
Yield from t0
Yield accrues from the moment your supply lands. No vesting cliffs, no warm-up windows. Interest paid by borrowers flows pro-rata to active suppliers every block.
Variable rate, transparent curve
The supplier rate is borrower interest scaled by utilization, less the reserve factor. The full curve, with a normal kink at 75% utilization and a stress kink at 90%, is published live in the SDK rates feed.
Tokenized lending vault
Your supply issues shares in the Flo Finance tokenized lending vault, 1:1 backed by the underlying loan book with assets held at institutional custodians. The vault accrues NAV from borrower interest. The token is a lending-vault share, not a bank deposit.
Composable position token
The vault share is an ERC-20. Use it as collateral on Aave, Morpho, or any compatible protocol, sell it on a DEX for instant exit, or hold and let yield compound onchain.
Overcollateralized loan book
Every borrower posts ≥125% collateral in Flo-issued tokenized assets. Liquidations protect supplier principal before any drawdown reaches the pool.
Webhooks for every state
Subscribe to supply.settled, supply.nav_updated, and supply.cancelled for accounting reconciliation. Yield isn't a discrete event: supply.nav_updated relays the live vault NAV on a configurable cadence; you compute yield client-side from NAV-at-deposit. Same event-driven shape as buy and sell.
Two-kink rate curve
Utilization is the share of supplied capital currently borrowed. The borrow rate, and therefore the supplier rate, climbs as utilization rises. Two kinks, at 75% and 90%, create a normal operating band, a tight band, and an emergency band.
Gentle slope. Most of the year operates here. Both sides have headroom and rates are stable.
First kink. The borrow rate climbs more steeply to pull new supply in and discourage marginal borrows. Withdraw orders still clear once pool liquidity covers them.
Second kink. Rate spikes hard. Borrowers are pressured to repay; suppliers earn outsized yield. New withdrawals beyond available liquidity queue until utilization normalizes.
Live curve parameters are published in the SDK rates feed, see the Supply reference. Suppliers retain priority on principal recovery via overcollateralized borrowers and the lending vault's share seniority.
Why a tokenized lending vault
Flo Finance issues the supply pool as shares in a tokenized lending vault, 1:1 backed by the underlying loan book with assets held at institutional custodians. The vault holds the loan book against tokenized collateral; suppliers hold vault shares, not deposits and not money-market-fund units. Supply ships on the same tokenized-asset stack Flo Finance uses across every product.
Earn yield on stablecoin balances, on day one
Grab an SDK key, choose a chain, call client.supply(). Lending-vault shares land in your wallet, yield accrues from t0.