👜Programmable Financial Conditions via Smart Payments

FlowFi enables advanced financial logic to be embedded directly within payment flows using programmable stablecoins and smart contracts. This capability transforms static transfers into dynamic, rules-driven disbursements—supporting a wide range of payment-linked financial behaviors.

By abstracting financial conditions into code, FlowFi allows users to customize how capital is released, allocated, or repaid in real time, without relying on intermediaries or manual enforcement.

Functional Scope

• Split Payments: Disbursements are automatically divided among multiple recipients (e.g., vendor + fee pool + tax wallet)

• Time-Based Escrow: Funds are released incrementally over a defined schedule (e.g., bi-weekly salary, milestone payouts)

• Event-Triggered Transfers: Payments are executed based on external events or oracle inputs (e.g., shipment delivered, KYC passed)

• Automated Loan Repayments: Smart contracts deduct repayments directly from revenue inflows as they are received

• Dynamic Vesting Logic: Token or fiat streams can follow custom vesting rules with clawback conditions and pause/resume functionality

Protocol Workflow

• Payment Flow Initialization: User defines payout rules via FlowFi’s interface or SDK—setting conditions, schedules, and recipients

• Smart Contract Deployment: A dedicated contract is created to enforce logic and monitor the revenue stream or escrow account

• Real-Time Execution: The contract executes payouts or holds funds based on incoming data or time intervals

• Auditability & Transparency: All transactions and logic states are visible and verifiable on-chain, with role-based access where required

Key Properties

• No Manual Intervention: Fully autonomous execution of complex financial workflows

• Use-Case Flexibility: Adaptable to payroll automation, supplier invoicing, platform royalty distribution, and more

• Stablecoin Native: Supports USDC, PYUSD, and other compliant programmable stablecoins

• Composability: Smart payment modules can be plugged into any FlowFi financing or settlement path