FlowNet is the settlement and orchestration layer connecting fiat and crypto at global scale.
Dedicated virtual accounts, each named to business entities and accepted by banks worldwide. Receive SWIFT wires, SEPA transfers, and local payments directly.
Collect crypto, card payments, and local payment methods through a single integration. Every collection is attributed, compliant, and settled into the right account automatically.
Two-way OTC conversion across crypto and 10+ fiat currencies — plus multi-currency FX for treasury and liquidity management. Rates locked in under 60 seconds, settled same day. No hidden spreads.
Execute fiat wires, crypto payouts, and invoice settlements directly from your FlowNet account. Pay on behalf of clients at scale with POBO — SWIFT Field 50 carries their company name, not an intermediary's. Every payment tracked from submission to confirmed receipt.
Monitor VA balances, track COBO collections, execute FX, manage POBO flows, and settle invoices — Real-time status on every transaction. Audit-ready exports available on demand, 24/7.
Name-matched accounts, KYT/AML, bank-recognized settlement
Bi-directional settlement, treasury & FX intelligence
Built for platforms, not just merchants
Local rails + real bank relationships, not theoretical Web3
Protocol-level AI for routing, settlement, FX & KYT/AML
Move funds in minutes, not days, with real-time cash flow.
Competive and transparent fee structure.
Maximize success rates.
Built on rigorous licensing and robust safeguards.
Automate workflows, enhance risk controls and improve operational efficiency.
Near-instant settlement
Move funds in minutes, not days, with real-time cash flow.
Optimized FX and cross-border pricing
Competive and transparent fee structure.
Higher acceptance & approval rates
Maximize success rates.
Bank-grade Compliance and Security
Built on rigorous licensing and robust safeguards.
AI Adoption
Automate workflows, enhance risk controls and improve operational efficiency.
Services are delivered through regulated partners holding MiCA-compliant authorizations and VASP registrations, enabling compliant crypto-fiat operations across the region.
BF Network CA Ltd. is a Canada-registered Money Services Business (MSB) regulated by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) (Registration No. M23244464), supporting compliant crypto–fiat conversion, cross-border payments, and global settlement services.
Custodied with regulated institutional partners and supported by trusted banking partners.
Compliant with FATF Travel Rule requirements, with sanctions screening against global lists including OFAC, EU, and UN, and on-chain transaction monitoring (KYT) to detect and prevent illicit activity.
Built with compliance at its core, we safeguard client assets, data, and transactions through institutional-grade infrastructure, with assets custodied by regulated institutional partners and fiat flows supported by trusted global banking partners.
Accept crypto, cards, and local payment methods from customers worldwide — convert to any fiat currency at institutional rates and settle to vendors, payroll, and partners as a standard bank wire. Multi-currency virtual accounts, same-day settlement, no legacy banking dependency required.
Convert crypto treasury to any fiat currency at institutional rates and pay vendors, contractors, and partners as a standard bank wire — Your company name is the originator. Multi-currency virtual accounts, same-day settlement, no traditional bank required.
Collect on behalf of your merchants, pay out to your users, and settle across currencies — without building the compliance and banking infrastructure yourself. COBO, POBO, virtual accounts, and invoice settlement as a service. One integration, any scale.
FlowNet connects payment rails across
Europe · Latin America · Africa · Asia-Pacific