12:48:03OBL-58294$58,400.00EXECUTING · BANK-TRANSFERTRUSTLY· CURA PAY 12:48:01OBL-58293$3,311.00IN PLAN · 5/6· QLIRR 12:47:58OBL-58292$1,240.50EXECUTING · CARD· CURA PAY 12:47:55OBL-58291$407.00SETTLED· CARDA 12:47:52OBL-58290$11,895.00DUE · 4 DAYS· INVO 12:47:48OBL-58289$845.10OVERDUE · 14 D· INVO 12:47:46OBL-58288$92.40EXECUTING · CARD· CURA PAY 12:47:42OBL-58287$2,015.00SETTLED · BANK-TRANSFERTRUSTLY
FLUXA
START

FLUXA
Issuance layer.

Card. Bank. Instalment. Reward. From one invoice.
DOC. 02 · MMXXVI
OBLIGATION-BASED PAYMENTS
— — —
SPAIN · UAE · FLORIDA
OBLIGATION LEDGER LAST 60 SEC
Four primitives. One issuance layer.
■ INVO
Obligation
0
Issued today▲ 12%
■ CURA PAY
Execution
0
Settlements▲ 9%
■ QLIRR
Time
0
Active plans▲ 4%
■ CARDA
Default
0
Rewards earned▲ 18%
4 PRIMITIVES 6 COMPOSITIONS 1 ISSUANCE LAYER
LIFECYCLE FLOW REAL-TIME
01
ISSUED
0
02
STRUCTURED
0
03
ROUTED
0
04
SETTLED
0
05
CLOSED
0
Volume · 24H
$0
Avg time · settle
2.4 SEC
SPAIN
UAE
FLORIDA
DATA · LIVE · INSTITUTIONAL FEED
Phase 1 institutional engagement. Adopting Fluxa, integrating it, or covering the formation.
PRICING CASE STUDY SPEAK TO INSTITUTIONAL →
THE INSTITUTIONAL CLAIM

Money in motion. Controlled at origin.

$89T → $124T Global B2B payments
Juniper Research · MMXXIV–MMXXVIII
Above the rails Stripe · Klarna · Trustly · downstream
Position · institutional layer
Phase 1 · MMXXVI Spain · UAE · Florida · TXP adoption
Formation · operational
POSITION · IN THE GLOBAL STACK

Above the rails. Where the obligation is originated.

UPSTREAM
Issuing institution — company, platform, ecosystem operator
▢ ORIGINATOR
FLUXA
The issuance layer — originates the obligation as a structured object
■ INSTITUTION
CARD NETWORKS
Visa · Mastercard · Amex — execute when card is chosen
▢ DOWNSTREAM
BANK RAILS
SEPA · ACH · FPS · Trustly — execute when bank-rail is chosen
▢ DOWNSTREAM
CONSUMER FINANCE
Klarna · Affirm · BNPL — execute when instalment is chosen
▢ DOWNSTREAM
PROCESSORS
Stripe · Adyen — operate against transactions, never obligations
▢ DOWNSTREAM

All current payments infrastructure operates downstream of obligation issuance. Fluxa establishes the layer where the obligation is originated, structured, and made composable. This layer did not exist as institutional infrastructure before Fluxa.

ENTER · BY AUDIENCE

Four doors. Each opens to its own register.

FOR BUSINESSES
Issue invoices. Get paid. Replace four billing vendors with one.
OPEN →
FOR PLATFORMS
Embed Fluxa inside your software. One API, four primitives, two flows.
OPEN →
FOR USERS
Your customers get a wallet that already works.
OPEN →
ABOUT
The institution. The doctrine. The formation.
OPEN →
SYSTEM ACTIVE · INSTITUTIONAL LAYER
EN — GLOBAL·REFERENCE 02.MMXXVI