Neobroker, 24/7
Robinhood-shaped consumer app. Stablecoin-funded, weekends on, any country your compliance supports.
Revenue model
Charge 15–25 bps per trade. Keep the 8–18 bps delta over Flo's 7 bps Growth rate.
For founders & developers
15 businesses to ship on Flo.
Flo handles execution, custody, and settlement at cost-plus, starting at 3 bps. You pick the wedge, own the distribution, and keep the margin. Here's the menu.
PUBLIC MARKETS
Distribution businesses on top of public-market rails.
Flo executes through Interactive Brokers and Alpaca Securities. You own the user, the UX, and the markup on top of your tier bps.
Remittance + investing
Send USDC home, let the receiver buy NVDA or an S&P ETF with the same stable. Two flows, one wallet.
Revenue model
Remittance fee + 10–20 bps mint markup. $800B/yr addressable flow.
Copy-trading / social alpha
Users subscribe to a signal. Your backend calls /mint and /redeem on their behalf.
Revenue model
$10–50/mo subscription + 20% performance fee. Margin scales with AUM.
Tokenized baskets & indexes
'Emerging-market bond basket,' 'Tech top 10,' 'Dividend aristocrats' — rebalanced weekly, issued as one LP token.
Revenue model
20–50 bps annual management fee. BlackRock's model with an API.
Structured products
Covered calls, principal-protected notes, leveraged tokens. Use /v1/positions as the oracle.
Revenue model
50–100 bps per issuance. Rebalance risk via Flo's redeem endpoint.
Tax-loss harvesting
Wealthfront for crypto-native users. Swap losers for similar-exposure Flo tokens on a schedule.
Revenue model
25 bps AUM fee on top of the passthrough mint/redeem cost.
PRIVATE MARKETS
Tokenized access to Apollo, Blackstone, KKR — priced at your tier bps.
Flo mints private-credit positions as blockchain-based structured notes out of a Cayman SPV. You build the marketplace, the desk, or the treasury product on top.
Private-credit marketplace
Fractionalized Apollo / Blackstone / KKR exposure sold to accredited or offshore investors.
Revenue model
50–150 bps origination + 100–200 bps/yr servicing fee.
DAO treasury management
DAOs sitting on $10M–$1B of USDC need yield they can redeem instantly. Build the dashboard that does it.
Revenue model
10–20% of yield generated, or a flat 10 bps/month platform fee.
Institutional RFQ desk
Family offices and funds want to get in and out of private credit in size. You're the matching layer.
Revenue model
25–75 bps spread on block trades. Volume business.
YIELD PRIMITIVES
The fattest margins live in AUM fees.
Flo's tier bps is a one-time cost at mint. Your fee compounds every year the user holds. Yield products are the best business on top of Flo.
Yield aggregator
Sweep USDC into the highest-yielding Flo token — T-bill, private credit, ETF dividend — by risk bucket.
Revenue model
10% performance fee or 25–50 bps/yr management. Lido-shaped economics.
Onchain money-market fund
Users deposit USDC, receive a yield-bearing stablecoin backed by TLT / SGOV. Instant redemption.
Revenue model
20–40 bps AUM. Circle earns ~400 bps on USDC reserves — you can undercut.
DeFi collateral
Accept Flo tokens as collateral on Aave, Morpho, or a Gearbox fork. Borrow against tokenized T-bills.
Revenue model
200–400 bps spread between borrow and supply rates.
Yield-bearing stablecoin
Ondo / USDY model built in a weekend. Back your stable with TLT and pass ~4.5% to holders.
Revenue model
Keep the ~50 bps spread between T-bill yield and holder payout.
INFRASTRUCTURE & TOOLING
Pickaxes for everyone else building on Flo.
Flo ships primitives. There's a category of business in the developer-experience layer on top.
Checkout SDK
Drop-in React components — wallet → mint — like Stripe Checkout but for tokenized assets. The integrator runs its own user KYC upstream.
Revenue model
$0.05–0.50 per completed checkout, or 1–2 bps of mint volume.
Analytics terminal
Bloomberg-style dashboard over /v1/positions/*/history. NAV, yield, basis, cross-asset correlations.
Revenue model
$99–999/mo SaaS. Sticky once a portfolio manager has it open.
Pick one. Ship it.
Sandbox is free and unlimited. Mainnet settles at cost-plus, starting at 3 bps on Enterprise. Fees are deducted at settlement, no invoices or payment method required.