Flowense

Flowense democratizes securitization. Our platform lets lenders and borrowers unlock liquidity from assets while giving investors simple, digital products with transparent yield — all powered by blockchain and AI

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

Bruno Barbarioli

Co-founder & CEO/CTO

  • PhD in Computer Science from University of Chicago
  • LLM and AI Agents researcher
  • Combines deep academic expertise with technical leadership

Rafael Barbarioli

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.

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