Unlock Instant Liquidityfrom Real-World Payment Streams
Bringing Cash Flow On-Chain
FlowFi is a decentralized PayFi protocol that transforms how money moves around the world. By tokenizing real-world payment flows such as invoices, salaries, and remittances, FlowFi provides instant liquidity and decentralized credit access to users and businesses.
How FlowFi Works
Transaction Layer
Ultra-fast, Low-cost Settlement for Payments
Powered by high-performance chains like Solana and Stellar, this layer enables sub-second payment finality and gas fees as low as $0.00025.
Ensures fast and efficient processing of thousands of microtransactions.
Use Cases
Transaction Layer
Ultra-fast, Low-cost Settlement for Payments
Powered by high-performance chains like Solana and Stellar, this layer enables sub-second payment finality and gas fees as low as $0.00025.
Ensures fast and efficient processing of thousands of microtransactions.
Use Cases
Why Choose FlowFi?
Real-World Utility, Not Just Hype
FlowFi solves real problems: delayed payments, limited access to credit, and cross-border financial friction. We bring DeFi where it's needed most.
Earn While Making an Impact
Provide liquidity to actual businesses and workers—not just farms or memecoins—and earn high yields backed by real-world revenue.
Fair, Permissionless Access
No banks. No borders. FlowFi is open to anyone, anywhere. All you need is a wallet and some $FLOW.
Built for the Underserved Majority
FlowFi empowers SMEs, gig workers, and emerging market users who are locked out of traditional finance.
DeFi You Can Trust
With embedded compliance, professional partners, and real-world integrations, FlowFi offers a credible alternative to broken legacy systems.
Introducing $FLOW
Utility
Liquidity Access
Gain access to FlowFi's real-world liquidity pools by staking or supplying $FLOW tokens.
Collateral Asset
Use $FLOW as collateral to borrow against tokenized income streams like invoices or payroll.
Governance Rights
Vote on protocol upgrades, parameter changes, and DAO proposals with $FLOW.
Protocol Rewards
Earn $FLOW through staking, node participation, and ecosystem contribution.
Fee Discounts
Enjoy lower fees across FlowFi products by holding or staking $FLOW.
Roadmap
Protocol Foundation
- Launch FlowFi on Solana mainnet with core smart contracts
- Fair launch of $FLOW token on Solana
- Deploy receivables liquidity pool
- Onboard first partners: USDC, Solana Pay, custodians
Product Expansion
- Add new financing pools (payroll, remittance, SME flows)
- Launch the FlowFi Dashboard for LPs and borrowers
- Enable programmable payments (split/milestone-based)
- Integrate embedded compliance tools (e.g. Chainalysis)
- Form partnerships with Solana-native payroll and DePIN projects
Ecosystem & Compliance
- Release FlowFi SDK and developer sandbox
- Attract institutional LPs and DAO-backed liquidity
- Pilot on-chain income scoring and underwriting engine
- Plan cross-chain compatibility (Solana-EVM bridge)
- Initiate NGO/Fintech partnerships for compliant DeFi pilots
Governance & Global Expansion
- Launch FlowFi DAO for decentralized governance
- Enable staking & reward delegation with $FLOW
- Expand to Ethereum L2 and other chains
- Launch mobile-first version with fiat on/off-ramp support
Protocol Foundation
- Launch FlowFi on Solana mainnet with core smart contracts
- Fair launch of $FLOW token on Solana
- Deploy receivables liquidity pool
- Onboard first partners: USDC, Solana Pay, custodians
Product Expansion
- Add new financing pools (payroll, remittance, SME flows)
- Launch the FlowFi Dashboard for LPs and borrowers
- Enable programmable payments (split/milestone-based)
- Integrate embedded compliance tools (e.g. Chainalysis)
- Form partnerships with Solana-native payroll and DePIN projects
Ecosystem & Compliance
- Release FlowFi SDK and developer sandbox
- Attract institutional LPs and DAO-backed liquidity
- Pilot on-chain income scoring and underwriting engine
- Plan cross-chain compatibility (Solana-EVM bridge)
- Initiate NGO/Fintech partnerships for compliant DeFi pilots
Governance & Global Expansion
- Launch FlowFi DAO for decentralized governance
- Enable staking & reward delegation with $FLOW
- Expand to Ethereum L2 and other chains
- Launch mobile-first version with fiat on/off-ramp support