Fluent Finance Monogram
Your solution for the digital last mile
We're creating a first. Fluent provides a two-way bridge between traditional finance and distributed ledgers via our ground-breaking stablecoin protocol.
What does this mean for you?
Empowering your finances
The Fluent protocol combines Web2 reliability, convenience, and protections with Web3 speed, transparency, and security.
How we're doing it
Extensible, transparent & verifiable
We've created Plus, our fiat-backed stablecoin infrastructure featuring 100% provable, liquid, and verifiable cash reserves.
Currently operating with our flagship U.S. dollar backed US Plus, our enterprise-level technology is capable of deploying crypto assets representing any fiat currency or real-world asset 1:1, creating fully verifiable, custom stablecoins for a multitude of financial vehicles and business uses.
When it comes to transparency, we connect to core banking and public layers using a unique private settlement bridge. This allows us to verify bank customers and funds before issuing or redeeming stablecoins, while maintaining real-time accountability of our collateral assets.
Active Proof of Reserve
Using Chainlink feeds, Plus actively shares account balances to publicly prove 100% reserves.
Federated custody
Reserves are stored at multiple institutions, increasing access while eliminating the risk of a single point of failure.
Interoperable by design
Layer-to-layer conversions give you the freedom to access Plus stablecoins on your preferred public chain.
On-chain onboarding
Tokenized proof of KYC, KYB, and AML on-chain reduces the cost of onboarding, lowers risk, and increases security.
One-click
Issue and redeem with one-click conversions between cash and Plus, to and from verified wallets.
Bank and broker ready
Seamless vertical core banking integration enables institutions to directly issue and redeem stablecoins without an intermediary.
We're doing things the right way
Fully backed, fully liquid
- We don't use fractional reserves. Our Plus stablecoins are 100% backed by cash and equivalents. By decentralizing our accounts at a consortium of banks, we eliminate the risk of a single point of failure and can guarantee Plus redemption.
Verify, then trust, and verify again
With Active Proof of Reserve provided by Chainlink oracles, Fluent publicly broadcasts Plus cash reserves straight from core banking. Our stablecoin infrastructure offers unrivaled collateral transparency — we claim 100% reserves, and we prove it.
Accountable by design
- With publicly accessible feeds displaying the balances of every Plus reserve account, our zero-knowledge proof goes miles beyond alternative stablecoin protocols by protecting personal information while reconciling stablecoin supply with bank balances and transactions.
View our Proof-of-Reserve on Chainlink
The benefits to your business
Enterprise
- Lower your back office costs
- Near-instant cross-border payments
- Custom settlement network technology
Retail
- Directly connected to U.S. regulated banks
- One-click issuance and redemption
- Cross-chain interoperability
Latest News
Pinned Entry
- 22 Nov 2022
- Statement of Disclosure on FTX bankruptcy
- Read Statement of Disclosure
07 Dec 2022
- Fluent integrates Chainlink Proof of Reserve to monitor US Plus reserves
- Read Proof of Reserve integration
9 Sep 2022
- Fluent to Enhance Stablecoin Protocol Security via Chainlink Proof of Reserve Integration
- Read Chainlink integration
Our Team
Industry veterans and expert builders
The team behind Fluent consists of executives, designers, and innovators with decades of experience in everything from banking to engineering. Before joining Fluent, they took their respective fields to new heights
. And now that we've gathered them here, they're doing it again.
Fluent Finance is the fintech infrastructure company responsible for developing the connections from core banking to public layers, bridging Web2 to Web3 utilizing the Fluent Protocol. Our flagship product is US Plus, the only fully verifiable cash and equivalent backed stablecoin.