Crypto-Backed Credit · Live on Ethereum

Your crypto.Your collateral.Your credit.

Deposit ETH or USDC as collateral. Borrow instantly against it. Spend as INR directly from your FlowPay wallet — no bank, no credit score.

40%

ETH LTV

80%

USDC LTV

₹83.5

per USD

Live

Chainlink feeds

⚡
⟠
$
₹
🔗
⬡
₿
DRAG TO SPIN
Speed:

Multi-Asset Collateral

One protocol.
All your assets.

Drag the orbit ring — each token is an asset you can deposit. Click a token to see its details in real-time. FlowPay calculates your blended LTV across all assets using Chainlink price feeds.

⟠ ETH
$ USDC
₹ INR
🔗 LINK
⬡ MATIC
₿ BTC

How It Works

Three steps to liquid credit

From cold wallet to spendable INR in under 60 seconds. No KYC. No waiting.

×
Without FlowPay
Need ₹50,000?Binance/WazirX
Sell ETH at market priceRealized loss
Wait 1–3 days for bank transferDelay
Pay 30% crypto tax on gainsTaxable event
With FlowPayNON-CUSTODIAL
Need ₹50,000?Keep your ETH
01Deposit 0.5 ETH as collateral~$1,510
02Borrow $600 against 40% LTV≈ ₹50,100
03Spend via FlowPay walletInstant

Built for the credit era

DeFi credit without selling. Spend without losing exposure. Repay when you want.

Deposit as Collateral

Lock ETH at 40% LTV or USDC at 80% LTV. Your assets stay on-chain — you stay in control.

Borrow Instantly

Draw a line of credit against your collateral in seconds. No credit score. No paperwork.

Spend in INR

Borrowed funds land straight in your FlowPay wallet as spendable INR — ready for real-world payments.

Real-Time Risk Engine

Chainlink price feeds update your health factor live. Get alerts before you ever approach liquidation.