Flow Credit Markets

Pretecting your wealth, while it grows

Traditional banks pay ~0.39%, often losing to inflation. Traditional DeFi offers higher yields but comes with real liquidation risk—where a sudden market move can wipe out your position. FCM introduces Yield-infused Active Rebalancing, making proactive micro-adjustments throughout the day to keep accounts healthy instead of waiting for crashes. This removes the need for constant market monitoring while outperforming banks and legacy DeFi. Apps built on FCM, like Peak Money, can offer up to 10% APY on USD deposits with protocol-level protection.

Proactive, not Reactive

Identifies and corrects risks before they become crises, maintaining a consistent 30% safety buffer for your assets

Yield-Powered Protection

A portion of the strategy's earnings automatically "top up" position during market dips, preventing liquidations early

Capital Efficiency

Capture the power of up-to 1.6x leverage with the peace of mind that comes from 24/7 automated risk management

How it Works

FCM is a three-module system designed for total capital efficiency and safety

Flow Yield Vaults

The Router. Flow Yield Vaults (FYV) deploys your capital into optimized, yield-bearing strategies while acting as the primary liquidity source for position protection.

Automated Strategies

Capital Preservation

MOET Token

The fuel. MOET is a standardized, synthetic stablecoin that acts as the medium of exchange between volatile assets and stable yields, ensuring debt remains predictable.

Automated Strategies

Peg Stability

Automated Lending Platform

The engine. ALP leverages native on-chain scheduled transactions to execute rebalancing logic up-to every 60 seconds, eliminating the need for external bots or "keepers".

MEV-Resistant

Native Automation

Battle-Tested Through
Millions of Simulations

3rd party researchers at Unit Zero conducted exhaustive Monte Carlo simulations, stress testing FCM against every major market crash of the last 5 years. FCM was compared to traditional DeFi lending protocols like Aave. FCM simulations showed 0 liquidations while also outperforming strategies by up to 23%.

Traditional Protocols

High risk

Principal Survival Rate

63.4%

Average Cost During Crash

~$11,656

* 36.6% total loss rates on Black Thursday. 10/10 crash saw $19B liquidated for 1.63m traders.

Flow Credit Markets

Protected

Principal Survival Rate

100%

Better Returns

23%

* 23% better returns in simulations against simple long 1x BTC strategies. Zero Labs research.

Try the FCM Simulator

Flow Credit Markets (FCM) Protocol Architecture

Download Protocol Architecture

MONTE CARLO SIMULATIONS

Foundational Liquidity Layer for Global Credit

Connecting Capital to Apps

FCM provides the deep, programmable liquidity that turns ambitious financial concepts into market-ready realities. By serving as a capital layer with seamless integration, the protocol abstracts the complexity of risk management and liquidity sourcing. This allows developers to focus exclusively on their core product—unlocking the potential for everything from automated vehicle financing and instant mortgage approvals to high-performance prediction markets.