FlowsRemittance-powered credit
Money that arrives
builds your credit.
Flows turns the money your family sends home into a credit history — unlocking undercollateralized loans for the ~800M people the financial system forgot.
~800M
people rely on remittances
1 in 8
people in developing nations
~$1T
flows across borders yearly
How it works
From remittances to a credit line
01
Receive money
Family sends you USDC. It lands in seconds in a wallet you open with just an email.
02
Build your FlowScore
Every remittance grows your FlowScore and a per-sender LineScore — a credit history where none existed.
03
Unlock credit
Borrow against that reputation. Undercollateralized cash advances, backed by the people who already support you.
What you get
A neobank built on trust, not paperwork
Reputation as credit
Consistent inflows compound into a FlowScore — an alternative to credit bureaus that don't exist where you live.
Undercollateralized loans
Get a cash advance without locking up the full amount. Your sender posts a fraction based on your scores.
Instant remittances
Send and receive USDC globally on Base — settled in seconds, for cents, not days and double-digit fees.
Verified humans
World ID proves one real person per account — Sybil-resistant credit you can actually trust.
No seed phrases
Sign in with email or phone. A secure embedded wallet is created for you — recurring payments run automatically.
Grow & swap
Earn yield on idle balances or swap into any token, right inside the app.
Start building your score today
Open an account with your email in under a minute.