FlowVivid
Money Moves, Life Thrives
FlowVivid drives revenue through innovative payment and money movement solutions for businesses, organizations and individuals…
Origin Story
The Frustration
Existing fintech solutions are ubiquitous, soulless and institutional. Existing company brands revolve around keywords of pay, cash, finance and banking which is challenging to stand out in a "sea of sameness".
The Vision
Create a financial services brand and ecosystem of products and services where money flows fluidly, freely, quickly, with a purpose and complete trust.
Flow + Vivid
Money should flow without friction or delays. Be bold, clear, and human, cutting through the noise.
FlowVivid Revenue Models
FlowVivid is poised to redefine money movement in the $10T+ fintech landscape, capitalizing on five robust revenue streams to drive profitability and scale.
Through Integration & Licensing Fees, we'll monetize our integrations through existing POS and SaaS platforms, embedding FlowVivid's tech into their ecosystems. SaaS Fees will fuel recurring income from subscription-based access to our suite of tools, like TaxAuthority and RefundRush, tailored for industries like cannabis and e-commerce. ACH and Credit Card Processing Fees will tap the $84T U.S. ACH and $12T digital payments markets, through low-cost, high-volume and high-margin transactions across our services. Cash Logistics Fees will turn the $15B cannabis cash-handling burden into a profit center. Finally, Private Label Mobile Wallet Fees will leverage our closed-loop wallet tech, charging businesses for branded payment solutions that boost retention and ticket sizes by 15-30%. With these streams, FlowVivid isnt just moving money, it's building a thriving revenue engine.
Integration & Licensing Fees
When bringing on a new city for our tax automation services, there is a one time integration fee and a yearly licensing fee and a pay for performance collection fee for each license holder.
Saas Fees
Merchants pay a monthly platform fee for accessing various payment options. These include access to our mobile app infrastructure, business invoicing, API access, monthly compliance and customer services fees.
Processing Fees
Each transaction that's processed carries a combination of discount rate, per item fee or a flat rate pricing model across all of our service offerings.
Cash Logistics
Transport cash from merchants to our financial partners with just two fees: one for transport and one for processing. Fees start at $100 per pickup and 0.5% for cash processing.
Private Label Mobile Wallets
One-time creation fee plus monthly processing fees for organizations with a financial focus.
FlowVivid MoveCore
MoveCore is the backbone of the FlowVivid's U.S. money movement operations, anchored by a money transmittal license in Oregon and third-party ACH sender certifications with multiple financial institutions. This infrastructure enables FlowVivid to legally and compliantly transmit money nationwide, acting as a licensed intermediary and certified ACH originator. It supports the FlowVivid services such as Wishes Donations, TaxAuthority, GlobalSend, VendEase, DollarHub and ValetFlow for payments, remittances, and business transactions, all sitting atop this regulatory and technical framework.
Oregon MTL License
FlowVivid subsidiary, Monarch Technologies, Inc. holds a money transmittal license from Oregons Division of Financial Regulation, authorizing it to handle money movement for it's merchants within the United States.
ACH Certifications
Partnerships with multiple U.S. financial institutions certify Monarch as a third-party sender under NACHA rules, allowing it to initiate ACH transactions (debits and credits) on behalf of users and businesses.
Platform Integration
Integrates with the FlowVivid app ecosystem, enabling seamless money movement for offerings like GlobalSend, FlowVoice, and TaxAuthority.
FlowVivid WalletCore (with BFLI Cannabis Use Case)
FlowVivid WalletCore is a digital payment wallet platform designed for businesses needing a branded, closed-loop mobile payment service for their customers or causes. Its flagship use case, BFLI, targets the cannabis industry, delivering a seamless, cashless payment solution for B2C (business-to-consumer) and B2B (business-to-business) transactions. For cannabis license holders, it ensures compliance, efficiency, and safety by depositing funds into the merchants bank accounts within 1-3 business days, reducing the risks and costs of cash handling in a $30B+ market.
Versatile Closed-Loop Payments
Provides a branded digital wallet for any business, with BFLI offering seamless, cashless B2C and B2B transactions tailored for the cannabis industry.
Fast and Secure Fund Settlement
Deposits cannabis operators’ funds into bank accounts within 1-3 days, reducing cash-related risks like theft and money laundering.
Compliance and Efficiency
Ensures regulatory compliance and operational efficiency through a streamlined payment solution, enhancing safety and convenience for license holders and customers.
FlowVivid Wishes
Global Charitable Giving Market Size
  1. U.S. Total Giving is estimated at $525-$530 billion based on 2024 projections + partial 2025 growth.
  1. Global total giving is estimated at $550-$600 billion (U.S. plus rest-of-world).
An instant donation and giving service. Allows users to donate to their favorite charity, cause, organization or individual conveniently at a point of sale (POS), kiosk, online payment or vending machine purchase. With the Wishes platform rounding up purchases for a donation is instantly converted into a virtual credit card sent to the recipients digital wallet (Apple or Google Play) for immediate use, enhancing charitable impact.
Seamless Giving
Round up purchases to donate. The donation is instant and impactful.
Virtual Credit
Recipient gets a virtual card in their Apple or Google digital wallet.
Immediate Use
Virtual credit is immediately available for use.
FlowVivid BundleBoost
A patented service that replaces traditional coupons at checkout with instant virtual credit cards, issued when customers bundle related products (e.g., shampoo + conditioner, burger + fries). Instead of slashing prices, it rewards bigger purchases with credits usable immediately or later, driving higher ticket sizes and fostering spending habits that benefit both consumers and merchants—all integrated into FlowVivid's payment ecosystem.
Incentivizes Bigger Purchases
Replaces coupons with instant virtual credit cards, rewarding bundled buys (e.g., $20 spent = $5 credit), boosting ticket sizes without discounts.
Enhances Spending Flexibility
Delivers credits usable immediately or later, seamlessly integrated into FlowVivid's ecosystem, empowering consumers to spend smarter.
Benefits Merchants and Users
Drives higher sales for merchants (20-30% ticket lift) while rewarding customers, fostering win-win spending habits over time
FlowVivid RefundMe
A proprietary service that accelerates refund distribution by instantly pushing funds to a customer's Apple or Google wallet via a virtual credit card, usable immediately. Unlike the standard 3-5 day refund timeline, this eliminates delays, slashes processing costs, lowers chargeback risks, and resolves disputes on the spot—enhancing customer satisfaction and driving merchant profitability.
Instant Refunds
Pushes funds to Apple or Google wallets via virtual credit cards instantly, eliminating the 3-5 day wait for customers.
Cost and Risk Reduction
Cuts processing costs and lowers chargeback risks, boosting merchant profitability with zero delays.
Enhanced Satisfaction
Resolves disputes on the spot, driving higher customer satisfaction and loyalty.
FlowVivid Tax Authority
State and Local City Taxation Revenue Collected
  1. Tax collection services market (e.g., fintech, compliance tech) is estimated to be $20-$30 billion.
  1. TaxAuthority targets cannabis taxes, a growing niche. The legal cannabis market hit $29.5 billion in 2023 (MJBizDaily), with state tax revenues around $3.5-$4 billion (e.g., California's 15% excise tax). By 2025, this could near $5 billion as more states legalize, though it.
Automates the collection and remittance of city, state, and industry-specific taxes, including for the cannabis sector, by integrating with POS transactions, self reporting processes and seed-to-sale systems like Metrc for accurate, timely tax handling to increase revenues at the city and state level.
Automated Tax Handling
Efficiently collect and remit city, state, and industry-specific taxes, including for the cannabis sector. Integration with transactions and databases ensures accurate and timely tax processing.
Enhanced Accuracy
The integration with seed-to-sale systems like Metrc ensures precise handling of taxes, particularly for cannabis businesses. Automated tax processing leads to greater accuracy and efficiency in tax collection and remittance.
Streamlined Tax Compliance
Businesses can easily adhere to city and state tax regulations with automated collection and remittance of various tax types, specifically tailored for different industries.
FlowVivid GlobalSend
Global Remittance Industry Size
  1. Combining World Bank projections with market research and a quarter-year adjustment into 2025, the global remittance industry is likely between $930 billion and $950 billion.
GlobalSend Facilitates fast and cost-effective international money transfers, offering real-time exchange rates and competitive fees to ensure quick, reliable cross-border payments via traditional transfer networks, real time networks and crypto exchanges like RippleNet via XRP.
Speed
Enables fast international money transfers with quick delivery through traditional networks, real-time systems, and crypto exchanges like RippleNet via XRP.
Cost-Effectiveness
Offers competitive fees, making cross-border payments affordable compared to traditional high-cost options.
Reliability
Provides real-time exchange rates and dependable transfers, ensuring accurate and trustworthy transactions every time.
FlowVivid USDGateway
The USDGateway service offers virtual U.S. dollar accounts designed for international businesses, e-commerce brands, and cryptocurrency exchanges. It enables them to receive USD payments from U.S. clients, pay U.S.-based vendors, and hold funds in USD—all without requiring a physical U.S. presence or wrestling with complex compliance issues.
Seamless USD Access
Enables international businesses, e-commerce brands, and crypto exchanges to receive, pay, and hold USD without a physical U.S. presence.
Simplified Compliance
Bypasses complex U.S. regulatory hurdles, making financial operations effortless and cost-effective.
Integrated Flexibility
Ties into the FlowVivid ecosystem, offering smooth payment flows and real-time USD management for global growth.
FlowVivid ValetFlow
FlowVivid ValetFlow is a service that simplifies valet parking payments and tipping by allowing users to pay and tip directly through the FlowVivid app using their preferred payment method (account-on-file, card, or digital wallet). It eliminates the need for cash, ensuring a smooth experience at partnered valet locations.
Cashless Convenience
Enables users to pay for valet parking and tip directly via the app, eliminating the need for cash.
Seamless Integration
Uses preferred payment methods (e.g., wallet, card) within FlowVivid's ecosystem for a smooth, unified experience.
Enhanced Experience
Simplifies transactions at partnered valet locations, ensuring quick, hassle-free payments and tips.
FlowVivid CannaChain
CannaChain is a specialized invoicing solution tailored for the cannabis industry, managing the financial flow across the supply chain—from cultivators and manufacturers to distributors and retailers. It automates invoice creation, tracking, and payment for cannabis and non-cannabis goods, integrating with regulatory systems like Metrc and city and state ordinances to ensure compliance and efficiency. This keeps money moving smoothly in an industry often hampered by cash-heavy operations and fragmented processes.
Streamlined Financial Flow
Automates invoicing across the cannabis supply chain—from cultivators to retailers—ensuring smooth, efficient money movement.
Regulatory Compliance
Integrates with Metrc and financial platforms to track sales and ensure accurate, compliant invoicing for cannabis and related goods.
Reduced Cash Reliance
Speeds up payments and tracking, cutting through cash-heavy bottlenecks to keep funds flowing seamlessly.
FlowVivid VendEase
Global Vending Machine Industry Size
  1. $23.16 billion in 2024 (Straits Research) with a 7.2% CAGR, the market could reach $24.83 billion by the end of 2025.
VendEase offers seamless payments at vending machines for traditional snacks and beverages as well as the new bread of dispensable products such as THC, CBD and Psychedelics (where legally permissible). Payments types such as card, cash and beacon based account-on-file technology which connects with the FlowVivid mobile wallet app to provide personalized recommendations based on inventory and past purchases.
Seamless Payments
Enables smooth transactions at vending machines for snacks, drinks, and dispensable products like THC, CBD, and psychedelics, using card, cash, or beacon-based account-on-file tech.
App Integration
Connects to the FlowVivid mobile wallet app, streamlining payments and enhancing user convenience with a single, secure platform.
Personalized Recommendations
Leverages inventory data and past purchases to suggest tailored items, from pretzels to CBD, making every vend a custom experience.
FlowVivid PayVoice
Enables users to pay their bill in retail, online, subscriptions with a simple"Bill my account" command, using voice or tap activation linked to a pre-set wallet for effortless transactions.
Convenience
Pays bills, subscriptions, and expenses with a simple "Bill my account" voice command or tap, no manual entry needed.
Speed
Links to a pre-set wallet for instant, effortless transactions, cutting payment time to seconds
Flexibility
Works via voice or touch activation, giving users seamless control over their spending anytime, anywhere.