⚗️High-Yield Liquidity Pools for Capital Providers

FlowFi offers capital providers structured access to real-world yield through decentralized, purpose-specific liquidity pools. These pools are directly linked to tokenized income streams—such as receivables, payroll, or remittance flows—allowing liquidity providers (LPs) to earn yield from productive, off-chain financial activity.

Each pool is tailored by asset type, risk profile, and repayment dynamics, enabling LPs to deploy capital based on their yield and risk preferences.

Functional Scope

• Receivables Pools: Backed by tokenized invoices with fixed maturity dates

• Payroll Advance Pools: Fund salary-based credit lines with predictable cash flow schedules

• Remittance Pools: Provide liquidity against time-locked inbound transfers

• Thematic Pools: LPs can participate in region-specific (e.g., LATAM SMB pool) or sector-specific (e.g., DePIN worker pool) yield opportunities

Protocol Mechanics

• Pool Deployment: FlowFi deploys smart contract vaults for each pool type, governed by predefined parameters (tenor, risk, liquidity cap)

• LP Onboarding: Providers deposit stablecoins (e.g., USDC, DAI) into selected pools via FlowFi’s frontend or API

• Capital Allocation: Deposited funds are routed to eligible borrowers based on protocol logic and demand matching

• Interest Accrual: As borrowers repay, interest and principal are distributed pro rata to LPs, net of protocol fees

• Exit and Redemption: LPs can exit at maturity or secondary liquidity can be supported via tokenized pool shares (ERC-4626 compliant)

Key Properties

• Real Yield Source: Returns come from actual economic activity, not synthetic leverage

• Segmented Risk Exposure: LPs can select pools by geography, asset type, or credit tier

• APY Targeting: Base yields typically range from 10–15%, with boosts from FLOW incentives

• Protocol Safeguards: Risk buffers, waterfall structures, and performance-triggered insurance vaults are integrated to mitigate loss risk