Flowense
A U.S. platform that uses blockchain and AI to turn steady income streams into simple, tradable investments — with profits paid out automatically in digital dollars.
Investors
Problem
HOAs Face Funding Crisis
HOAs in the U.S. face urgent funding needs due to new regulatory requirements, but bank financing is slow and expensive.
SMBs Struggle for Capital
SMBs and creators generate stable income streams but struggle to access affordable working capital.
Investors Lack Access
Investors want exposure to alternative yield, yet face high barriers, opacity, and poor liquidity in traditional credit markets.
Solution
01
AI-powered origination
automated underwriting from bank statements, Open Finance APIs, and platform payouts.
02
Onchain tokenization
every loan becomes a LoanNFT, pooled and tranched for risk-adjusted investment.
03
Compliance-first design
aligned with the GENIUS Act, ERC-3643/1400 standards, and SEC/FINRA rules.
04
Automated yield
principal and interest flow directly to investors in USDC.
05
Liquidity
tokens can be resold via licensed ATS partners, enabling real secondary markets.
Why Now
Regulatory Clarity
The GENIUS Act provides regulatory clarity for stablecoins and tokenized credit in the U.S. — the missing piece for mass adoption.
Mature Infrastructure
Blockchain rails are mature: fast L2s, native USDC, and robust developer infrastructure.
Institutional Adoption
Institutions and platforms (Coinbase, J.P. Morgan, Shopify) are pushing into tokenization and stablecoin payments.
Industry Momentum
YC + Coinbase have publicly declared Fintech 3.0 / onchain finance as the next trillion-dollar wave.
Market Size
Multi-trillion Dollar Opportunity
Global alternative credit + tokenization TAM: multi-trillion dollars.
U.S. wedge market:
200K
HOAs in Florida
associations, billions in required funding
$100B+
SMBs with recurring revenues
hundreds of billions of dollars addressable
Growing
Creators and influencers
a fast-growing vertical with stable payouts
Competition
Product
LoanNFT (ERC-721)
for each loan, tied to legal docs and verified revenue data.
TrancheVaults (ERC-4626)
with senior/mezz/equity risk layers.
ComplianceManager (ERC-3643/1400)
for KYC, transfer restrictions, lockups.
Borrower Portal
seamless onboarding, data connectors, dashboards.
Investor Portal
KYC onboarding, tranche subscriptions, automated stablecoin payouts.
Roadmap
MVP → automated servicing → secondary market → ZK-KYC → AI-autonomous underwriting.
Business Model
Revenue Streams
  • Origination fees: 2.5–3.0% of loan value.
  • Servicing fees: 1.0% annualized on outstanding balances.
  • Secondary trading fees: 15–20 bps on volume (shared with ATS).
  • Ancillary services: compliance, custody, premium reporting.
Expense Structure
COGS (volume-linked):
KYC/AML, ATS rev-share, PSP/on-ramp fees, gas/oracles, custody.
Opex (fixed + scaling):
  • Product & Engineering (largest in Y1–Y2).
  • Sales & Marketing (focus on HOAs, SMBs, creators).
  • Compliance & Legal (licenses, audits, ATS integrations).
  • G&A and infrastructure.
Team
Co-founder & CEO/CTO
  • PhD in Computer Science from University of Chicago
  • LLM and AI Agents researcher
  • Combines deep academic expertise with technical leadership
Co-founder & COO/CFO
  • Former Digital & Data Global Head at Fortune Global 500 company
  • 20+ years experience across 4 continents
  • Expert in business operations, finance, and product execution
Financials
Revenue
Year 1 (GMV $50M):
  • Origination $1.25M
  • Servicing $250k
  • Secondary $15k
  • Ancillary $50k
Total: $1.57M
Year 2 (GMV $200M):
  • Origination $5M
  • Servicing $1.2M
  • Secondary $80k
  • Ancillary $200k
Total: $6.48M
Year 3 (GMV $600M):
  • Origination $15M
  • Servicing $4M
  • Secondary $400k
  • Ancillary $400k
Total: $19.8M
Expenses
COGS: $200k (Y1) → $2.5M (Y3).
Opex:
  • Product & Eng: $1.0M → $2.8M.
  • Sales & Marketing: $400k → $1.8M.
  • G&A: $250k → $800k.
  • Compliance & Legal: $300k → $700k.
EBITDA
-$1.6M
Y1
-$0.7M
Y2
+$12.0M
Y3
Cash Flow
  • Opening cash: $2.0M seed.
  • Net burn Y1: ~$1.6M.
  • Breakeven during Y2.
  • Ending cash Y3: ~$10M+ free cash flow.
Why Us
Timing
First-mover advantage under the GENIUS Act.
Product
Full automation, compliance-native, liquidity for illiquid recurring revenues.
Business model
High margin, scalable, software-like economics.
Team
Unique combination of enterprise finance leadership and advanced AI/ML research.
Vision
Unlock trillions in recurring revenues, democratize yield access, and build the rails for Fintech 3.0.
Flowense is an initiative of FBR Technologies SASU, based in France. © 2025 FBR Technologies SASU — All rights reserved.