Money should move as freely as information.

Our mission

The way money moves globally is stuck in the 1970s. SWIFT. Correspondent banking. T+2. Hidden FX. Billions of people are priced out of the financial system because the cost to move a dollar across a border is still higher than the value of the dollar itself for most of the world.

We think that's absurd. And we think stablecoins — dollars that live on programmable, 24/7 public networks — are the fix. Flow exists to make stablecoin rails boring infrastructure: regulated, reliable, and reachable from a single API.

What we do

Flow operates four products — Move, Mint, Vaults, and Borderless — that together let a fintech, bank, marketplace, or global employer issue, hold, move, and pay with stablecoins anywhere in the world. We handle the licenses, the custody, the chain-level plumbing, the compliance, and the corridor coverage so our customers can focus on what they're building.

Where we are

Our team is remote-first with hubs in New York, London, Singapore, and São Paulo. We hold money transmission licenses in all 50 US states, an E-Money Institution license in the EU, and MSB registrations in Canada, Singapore, and the UAE.

Who backs us

Flow was founded in December 2025. We're backed by leading fintech and crypto investors who share our belief that on-chain dollars are the most important financial infrastructure shift of the decade.

Our values

• Regulation is a feature. We build for the long run. That means licenses, audits, and boring trustworthy infrastructure — not regulatory arbitrage.
• Boring beats flashy. The best money movement infrastructure is the one you forget about.
• Developers first. If it's not usable in an afternoon by a single engineer, we haven't finished building it.
• Ship with proof. Every assertion about reserves, uptime, latency, and coverage is backed by public data.