flows
Remittance neobank where money you receive builds a credit score for undercollateralized loans.
Project Description
Flows is a remittance neobank that turns cross-border money into credit. ~800M people in low- and middle-income countries — 1 in 8 — depend on remittances, a nearly $1T market. But where formal credit scores don't exist, receiving steady support builds nothing. Flows changes that: every remittance grows a FlowScore and a per-sender LineScore — an alternative credit layer. That reputation unlocks undercollateralized cash advances, with the sender backing the receiver. World ID keeps it one human per account.
How it's Made
Stack: Next.js (App Router) + TypeScript + Tailwind, viem/wagmi, Solidity (Foundry) on Base. Money movement on Base mainnet; the lending pool on Base Sepolia.
Partner tech:
- Privy — email/SMS embedded wallets. We use session signers + the app authorization key to move funds server-side on the user's behalf (Grow deposits and auto-executing scheduled payments) — non-custodial, no raw keys.
- World ID 4.0 — proof-of-human, one real person per account (our anti-Sybil for credit. )
- LI.FI — in-app swaps. Privy Earn (Morpho vaults) powers Grow yield; Transak for on/off-ramp.
How it fits: every transfer logs an event → a scoring engine derives a FlowScore + per-relationship LineScore, which is set undercollateralized loan terms in our FlowPool contract.
