Call for Startups

Build the Next Generation of Consumer Finance on Flow

The Flow Request for Startups is looking for ambitious teams building consumer-centric financial products powered by DeFi rails

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Explore the Ideabank

What Is Consumer DeFi?

Consumer DeFi transforms decentralized finance into everyday personal finance—products real people can actually use. No jargon. No friction. Just intuitive, automated financial flows that guarantee true ownership of your financial future.

Consumer DeFi makes decentralized finance accessible, automated, and built for everyday users.

Walletless onboarding with email/passkeys
Apps sponsor gas — users never think about fees
Financial features in everyday language
Automated rules, schedules, and autopilots
Invisible but strong security guarantees

Purpose-Built for Consumer DeFi

Flow core primitives effortlessly enables a wide range of finance applicationsthat are challenging or expensive to build on other chains.

Native Scheduled Transactions

Create fully on-chain recurring actions—DCA, payroll, subscriptions, auto-rebalancing—without oracles, bots, or servers.

Flow DeFi Actions

Pre-audited, reusable building blocks for swaps, lending, staking, and treasury flows. Build production-ready DeFi apps in days, not months.

Enshrined Protocols

Deeply integrated primitives providing shared liquidity and predictable security guarantees.

Capabilities & Entitlements

A provable on-chain access control system that dramatically reduces attack surface and improves contract safety.

Ideabank

Purpose-Built for
Consumer DeFi

Flow core primitives effortlessly enables a wide range of finance applicationsthat are challenging or expensive to build on other chains.

Payments & Subscriptions

Ideas

Maintain DAO or protocol asset ratios weekly via Swap/Supply/Withdraw Actions.

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Core Primitives Used

VRF Scheduled Callbacks

Scheduled Savings Vault

Ideas

Walletless savings vault that auto-deposits into FCM, stakes/lends, rebalances risk, and tracks progress.

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Core Primitives Used

FCM Scheduled Txns Walletless UX

Auto-Restaking App

Ideas

Claim → Swap → Stake → repeat with continuous compounding triggered by scheduled callbacks.

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Core Primitives Used

Scheduled Txns DeFi Actions

DCA Investment Mini-App

Ideas

Auto-buy tokens at fixed intervals with % allocations until a target amount is reached.

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Core Primitives Used

Scheduled Txns DeFi Actions

Auto-DCA Borrow Loop

Ideas

Borrow against collateral on FCM → buy asset → re-collateralize automatically.

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Core Primitives Used

FCM Scheduled Txns Swap/Deposit Actions

Auto-Rebalancing Treasury

Ideas

Maintain DAO or protocol asset ratios weekly via Swap/Supply/Withdraw Actions.

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Core Primitives Used

Scheduled Txns DeFi Actions

Self-Hedging Vault

Ideas

Monitor volatility and automatically hedge exposure using oracles and Swap/Borrow Actions.

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Core Primitives Used

Oracles DeFi Actions Scheduled Txns

Adaptive Liquidity Manager

Ideas

Adjust AMM positions automatically based on price thresholds or utilization.

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Core Primitives Used

Scheduled Txns AMM Actions

AI-Managed Portfolio

Ideas

Agent composes and executes Actions for yield, rebalancing, and allocations with safety guards.

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Core Primitives Used

DeFi Actions AI Agents Scheduled Txns

Subscription Payments

Ideas

Onchain recurring subscription payments using scheduled transfers (no offchain billing).

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Core Primitives Used

Scheduled Txns Gasless UX

Onchain Payroll & Grants

Ideas

Onchain recurring subscription payments using scheduled transfers (no offchain billing).

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Core Primitives Used

Scheduled Txns