Put capital to work, earn variable yield from borrowers.
Supply lets any fintech, treasury, or vault deposit a stablecoin accepted on the chosen chain (per the live chains catalog) 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 lending-vault wrapper structure, 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-minted collateral; you earn the spread.
Submit the supply
One POST call with the asset (any stablecoin in the chain's pay_in_currencies set, fetched from /v1/chains), amount, and chain. Flo escrows the stablecoin into the Flo Capital SPC-managed pool and mints 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-mint; the shares were never burned).
What you get with every supply
Yield from t0, regulated wrapper, composable position token, and full event-driven reconciliation. Symmetric to Mint and Redeem 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 wrapper
Your supply mints shares in a tokenized lending vault issued by Flo Global Markets Ltd. (BVI), with assets held by Flo Capital SPC (Cayman). The vault holds the loan book and accrues NAV from borrower interest. The token is a regulated security under the FMA Base Prospectus, 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-minted 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 Mint and Redeem.
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 always retain priority on principal recovery via overcollateralized borrowers and the lending vault's legal seniority.
Why a tokenized lending vault
Flo Global Markets Ltd. (BVI) issues the supply pool as shares in a tokenized lending vault under the FMA Base Prospectus, with assets held by Flo Capital SPC (Cayman). The vault holds the loan book against tokenized collateral; suppliers hold vault shares, not deposits and not money-market-fund units. The Supply primitive ships under the same EEA-passported wrapper Flo already uses for the rest of the tokenized asset stack.
Earn yield on stablecoin balances, on day one
Grab an API key, choose a chain, call client.supply(). Lending-vault shares land in your wallet, yield accrues from t0.