💳Decentralized Credit for Individuals

FlowFi extends credit infrastructure beyond enterprises by enabling individuals, particularly those from underbanked populations, such as freelancers, gig workers, and global remote contributors, to access financing based on their future income streams, rather than traditional collateral.

This approach redefines on-chain creditworthiness through smart contracts and data-driven underwriting, removing the need for intermediaries or identity-dependent credit scoring systems.

Functional Scope

• Payroll-Backed Microloans: Advance funding to salaried users based on verified on-chain income records

• Remittance-Based Credit: Unlock credit against recurring incoming cross-border transfers

• DAO & Creator Economy Credit: Issue working capital to Web3 contributors based on protocol payments, token vesting, or NFT royalties

• DePIN Worker Financing: Support decentralized infrastructure operators with upfront tool or equipment financing tied to future usage-based earnings

Protocol Workflow

• Income Verification: The user authorizes FlowFi to analyze their historical on-chain earnings, wallet inflows, and employer/contract references

• Risk Evaluation: A credit score is generated in real time using repayment reliability, income frequency, and volatility indicators

• Loan Offer & Terms: FlowFi protocol generates a personalized credit line offer with duration, APR, and repayment schedule

• Smart Contract Disbursement: Upon user acceptance, funds are disbursed directly to the wallet with a binding repayment logic embedded

Repayment Automation: Smart contracts enforce repayment schedules based on real-time inflows, enabling auditability and compliance guarantees.

Key Properties

• Collateral-Free, Yet Trust-Minimized: Eligibility is assessed via on-chain income proofs and smart contract-enforced repayment logic

• Credit Access Without KYC: Operates without reliance on jurisdictional identity, enabling access for unbanked individuals

• On-Chain Reputation Model: Borrowers build a visible, transferable credit history tied to wallet address and behavior

• Platform-Agnostic: Credit rails can be embedded into Web3 payroll systems, NFT platforms, DePIN protocols, and DAO treasuries