Every token is 1:1 backed. Verify it yourself.

Every Flo Finance token is 1:1 backed by the real underlying asset. Flo Finance holds those assets at institutional custodians and reconciles them continuously against on-chain supply. Reserves are attested daily and published on-chain with Merkle proofs anyone can verify.

Flo Finance runs a total-return model. Token supply changes only on mint and redeem; every other economic event at the underlying flows through NAV per token. (a) Cash dividends: the dividend net of any applicable issuer-country withholding tax is reinvested into more of the same underlying, and the higher shares-per-token ratio is reflected in NAV per token. Token supply stays the same; NAV per token rises by the corresponding amount, captured in the next /v1/positions read and the next proof-of-reserves snapshot. Holders receive the dividend value as token-price appreciation, and can convert any portion to cash via the redeem endpoint at any time. (b) Stock splits: token supply stays the same. The underlying share count adjusts by the split ratio (forward or reverse) and NAV per token reflects the new shares-per-token ratio. Dollar-value backing per token is preserved across the split. (c) Cash M&A: tokens redeem at the deal price on closing; proceeds flow through the standard redeem rail. Stock-for-stock M&A: the new issuer's shares are received and the token continues to track the new entity. Special dividends, scrip dividends, and rights issues follow the same accumulating treatment: proceeds reinvest into the underlying and NAV per token captures the value. Bond coupons and money-market accruals follow the same rule: reinvest, token supply stays the same, and NAV per token accrues.

Flo Finance tokens are permissionless ERC-20s and transfer freely on the secondary market. Token contracts have no on-chain wallet allowlist. The offering is non-US: Flo Finance does not solicit or distribute to US persons at the SDK layer. Partners distribute the offering to non-US users in their respective jurisdictions.

Token custody sits with the partner and their end users; Flo Finance does not custody token-holder wallets. EOA (single-key) wallets are not recoverable: if the private key is lost, the assets at that address are permanently inaccessible. Flo Finance strongly recommends threshold-MPC wallets for any institutional partner (typical configurations are 5-of-7 or 3-of-5), which let any quorum of remaining key-holders rotate a lost or compromised key without any loss of access. Compatible MPC platforms are widely available; partners choose the one that fits their team and compliance posture.

No. Tokens transfer permissionlessly on-chain, and the blockchain ledger itself acts as the authoritative record of ownership. There is no separate transfer-agent register parallel to the chain.