Unlock Instant Liquidity
from Real-World Payment Streams
Bringing Cash Flow On-Chain
FlowDeFi 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, FlowDeFi provides instant liquidity and decentralized credit access to users and businesses.
How FlowDeFi Works
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Transaction Layer
Ultra-fast, Low-cost Settlement for Payments
Powered by high-performance chains like BSC and Stellar, this layer enables sub-second payment finality and gas fees as low as $0.0002$. Ensures fast and efficient processing of thousands of microtransactions.
Highlight
• BSC Pay
• Stellar Disbursement Platform
Why Choose FlowDeFi?
Real-World Utility, Not Just Hype
FlowDeFi 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 workersnot just farms or memecoinsand earn high yields backed by real-world revenue.
Fair, Permissionless Access
No banks. No borders. FlowDeFi is open to anyone, anywhere. All you need is a wallet and some $FLOW.
Built for the Underserved Majority
FlowDeFi 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, FlowDeFi offers a credible alternative to broken legacy systems.
Introducing $FLOW
Total Supply: 1,000,000,000 $FLOW
Utility
Liquidity Access
Gain access to FlowDeFi'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 FlowDeFi products by holding or staking $FLOW.
Roadmap
Protocol Foundation
- •Launch FlowDeFi on BSC mainnet with core smart contracts
- •Fair launch of $FLOW token on BSC
- •Deploy receivables liquidity pool
- •Onboard first partners: USDC, BSC Pay, custodians
Product Expansion
- •Add new financing pools (payroll, remittance, SME flows)
- •Launch the FlowDeFi Dashboard for LPs and borrowers
- •Enable programmable payments (split/milestone-based)
- •Integrate embedded compliance tools (e.g. Chainalysis)
- •Form partnerships with BSC-native payroll and DePIN projects
Ecosystem & Compliance
- •Release FlowDeFi SDK and developer sandbox
- •Attract institutional LPs and DAO-backed liquidity
- •Pilot on-chain income scoring and underwriting engine
- •Plan cross-chain compatibility (BSC-EVM bridge)
- •Initiate NGO/Fintech partnerships for compliant DeFi pilots
Governance & Global Expansion
- •Launch FlowDeFi 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