🏨Layered Architecture: The PayFi Stack

FlowFi’s design follows a six-layer vertical architecture, with each layer solving a specific pain point in real-world financial flows:

High-performance settlement

Built on high-throughput L1s such as Solana, Stellar, and EVM-compatible chains for real-time execution
Finality in under 1 second, sub-$0.001 fees
Native support for recurring, multi-party, and tokenized payments

Stable and programmable value

Supports regulated stablecoins (e.g., USDC, PYUSD)
Compatible with programmable stablecoin frameworks (e.g., Circle’s CCTP, PayPal's conditional disbursement model)
Fiat-backed assets ensure price stability and off-chain interoperability

Secure and decentralized asset management

Employs multi-party computation (MPC) and smart contract escrow systems
Integrates with providers like Fireblocks, Ledger, and protocol-native custody vaults
Enables shared custody and multi-signer control without compromising transaction speed

Regulatory integration at the protocol level

Embedded KYC/AML tools through Chainalysis, Polyflow, and identity bridges
Support for soulbound tokens (SBTs) and decentralized identity (DID) standards (e.g., ERC-725, Verifiable Credentials)
Enables jurisdiction-specific policy enforcement, blacklists, and sanctions compliance

On-chain credit rails

Automated underwriting using on-chain behavioral data, repayment history, and protocol-defined heuristics
Credit scoring algorithms assign real-time risk tiers to income streams and borrowers
Loan origination, distribution, and repayment fully governed by smart contracts
Capital source-agnostic: retail LPs, DAOs, or institutional vaults

Modular Interfaces for Fintechs, DAOs, and Enterprise Finance

Open APIs and SDKs to integrate FlowFi into fintech apps, DAOs, DePIN systems, and ERP platforms
Supports modular UI components for invoicing, payroll, and embedded financing
Enables seamless rollout of Web3-native financial products with compliance and infrastructure abstracted

Last updated 24 days ago