Driving profitable solutions and meaningful change through groundbreaking payment innovations…
Patented Credit Card Issuing Technology & Rewards, Compliance, Payments, Acquiring, MTL Banking & Blockchain.

FlowVivid (Wishes + Monarch)
Money Moves, Life Thrives
FlowVivid drives revenue through innovative payment and money movement solutions for businesses, organizations and individuals…
Origin Story
The Frustration

Existing fintech solutions are ubiquitous and institutional. Existing company brands revolve around keywords of pay, cash, finance and banking which is challenging to stand out in a "sea of sameness".

The Vision

Create a financial services brand and ecosystem of products and services where money flows fluidly, freely, quickly, with a purpose and trust.

Flow + Vivid

Money should flow without friction or delays. Be bold, clear, and human, cutting through the noise.

FlowVivid Revenue Models
FlowVivid is redefining money movement in the $7 trillion dollar combined landscape of e-commerce, charitable giving and cannabis.
Publishing & Affiliate Fees

Connected to 76,000 retailers.The ability to capture retailer sales and basket data is currently a high valued asset that can be leveraged.

Credit Card Issuing Fees

Every outgoing payment made using our virtual cards earns the platform 2% back on most purchases.

Credit Card Breakage Fees

When consumers use prepaid cards 99% of the time they leave dollars and cents behind. At scale this will be worth millions per year alone.


Integration & Licensing Fees

When bringing on a new city for our tax automation services, there is a one time integration fee and a yearly licensing fee and a pay for performance collection fee for each license holder.

Saas Fees

Merchants pay a monthly platform fee for accessing various payment options. These include access to our mobile app infrastructure, business invoicing, API access, monthly compliance and customer services fees.

ACH Processing Fees

Each transaction that's processed carries a combination of discount rate, per item fee or a flat rate pricing model across all of our service offerings.

Cash Logistics

Transport cash from merchants to our financial partners with just two fees: one for transport and one for processing. Fees start at $100 per pickup and 0.5% for cash processing.

Private Label Mobile Wallets

One-time creation fee plus monthly processing fees for organizations with a financial focus.

Retailer Sponsorship Fees

Through category specific purchase options, retailers will have an opportunity to sponsor a category through our shopping portal.

Monarch Technologies Inc.
Monarch enables compliant money transfers in high-risk industries.
As a licensed Money Transmitter, we provide legitimate financial solutions where traditional banking falls short.
Monarch's offering includes payments, mobile wallets and automated tax collection for city and state governments.
Monarch MoveCore

MoveCore is the backbone of Monarch's U.S. money movement operations, anchored by a money transmittal license in Oregon and third-party ACH sender certifications with multiple financial institutions. This infrastructure enables Monarch to legally and compliantly transmit money nationwide, acting as a licensed intermediary and certified ACH originator. It supports the FlowVivid services such as Wishes Donations, TaxAuthority, GlobalSend, VendEase, DollarHub and ValetFlow for payments, remittances, and business transactions, all sitting atop this regulatory and technical framework.

Oregon MTL License

Monarch Technologies, Inc. holds a money transmittal license from Oregon's Division of Financial Regulation, authorizing it to handle money movement for it's merchants within the United States.

ACH Certifications

Partnerships with multiple U.S. financial institutions certify Monarch as a third-party sender under NACHA rules, allowing it to initiate ACH transactions (debits and credits) on behalf of users and businesses.

Platform Integration

Integrates with the FlowVivid app ecosystem, enabling seamless money movement for offerings like GlobalSend, FlowVoice, and TaxAuthority.

Monarch WalletCore (with BFLI Cannabis Use Case)

Monarch's WalletCore is a digital payment wallet platform designed for businesses needing a branded, closed-loop mobile payment service for their customers or causes. Its flagship use case, BFLI, targets the cannabis industry, delivering a seamless, cashless payment solution for B2C (business-to-consumer) and B2B (business-to-business) transactions. For cannabis license holders, it ensures compliance, efficiency, and safety by depositing funds into the merchants bank accounts within 1-3 business days, reducing the risks and costs of cash handling in a $30B+ market.

Versatile Closed-Loop Payments

Provides a branded digital wallet for any business, with BFLI offering seamless, cashless B2C and B2B transactions tailored for the cannabis industry.

Fast and Secure Fund Settlement

Deposits cannabis license holder funds into bank accounts within 1-3 days, reducing cash-related risks like high logistical costs, theft and money laundering.

Compliance and Efficiency

Ensures regulatory compliance and operational efficiency through a streamlined payment solution, enhancing safety and convenience for license holders and customers.

Monarch Tax Authority
State and Local City Taxation Revenue Collected

Tax collection services market (e.g., fintech, compliance tech) is estimated to be $20-$30 billion.

TaxAuthority targets cannabis taxes, a growing niche. The legal cannabis market hit $29.5 billion in 2023 (MJBizDaily), with state tax revenues around $3.5-$4 billion (e.g., California's 15% excise tax). By 2025, this could near $5 billion as more states legalize, though it.

Monarch automates the collection and remittance of city, state, and industry-specific taxes, including for the cannabis sector, by integrating with POS transactions, self reporting processes and seed-to-sale systems like Metrc for accurate, timely tax handling to increase revenues at the city and state level.

Automated Tax Handling

Efficiently collect and remit city, state, and industry-specific taxes, including for the cannabis sector. Integration with transactions and databases ensures accurate and timely tax processing.

Enhanced Accuracy

The integration with seed-to-sale systems like Metrc ensures precise handling of taxes, particularly for cannabis businesses. Automated tax processing leads to greater accuracy and efficiency in tax collection and remittance.

Streamlined Tax Compliance

Businesses can easily adhere to city and state tax regulations with automated collection and remittance of various tax types, specifically tailored for different industries.

Monarch CannaChain

CannaChain is a specialized invoicing solution tailored for the cannabis industry, managing the financial flow across the supply chain—from cultivators and manufacturers to distributors and retailers. It automates invoice creation, tracking, and payment for cannabis and non-cannabis goods, integrating with regulatory systems like Metrc and city and state ordinances to ensure compliance and efficiency. This keeps money moving smoothly in an industry often hampered by cash-heavy operations and fragmented processes.

Streamlined Financial Flow

Automates invoicing across the cannabis supply chain—from cultivators to retailers—ensuring smooth, efficient money movement.

Regulatory Compliance

Integrates with Metrc and financial platforms to track sales and ensure accurate, compliant invoicing for cannabis and related goods.

Reduced Cash Reliance

Speeds up payments and tracking, cutting through cash-heavy bottlenecks to keep funds flowing seamlessly.

Monarch PayVoice

Enables users to pay their bill in retail, online, subscriptions with a simple"Bill my account" command, using voice or tap activation linked to a pre-set wallet for effortless transactions.

Convenience

Pays bills, subscriptions, and expenses with a simple "Bill my account" voice command or tap, no manual entry needed.

Speed

Links to a pre-set wallet for instant, effortless transactions, cutting payment time to seconds

Flexibility

Works via voice or touch activation, giving users seamless control over their spending anytime, anywhere.

Monarch Upcoming Service Releases 2025
  1. MTL Licensing Expansion: Expansion of Money Transmitter Licensing to California (CA), Colorado (CO), New Jersey (NJ), and Nevada (NV).
  1. WalletCore: Custom mobile payment wallets tailored for large scale organizations.
  1. SafeArbor Cannabis Lockers Integration: Integration with SafeArbor Lockers. https://www.safearbor.io/.
  1. Nationwide Cannabis Vending Program: Development and implementation of a nationwide program for cannabis vending in association with DMVI Vending. Integration of age verification and payment options into the vending machine checkout process.
  1. Direct Point of Sale (POS) Integrations: Development of direct integrations with POS systems such as Blaze, GrowFlow, and Jane.
  1. MTA Distribution Expansion: Planned geographical expansion of MTA distribution to additional cities and states.
  1. CannaChain: Ongoing discussions with a private equity firm regarding supply chain invoice billing for government-mandated seed-to-sale invoice payments.
  1. Ambassador Network Enhancement: Strategic nationwide expansion of our ambassador resale network.
  1. AAA Distribution: Collaboration with AAA for leveraging their existing accounts (500+) through a strategic partnership.
  1. Valet Service: Payments for valet parking and tipping.
  1. GlobalSend: International remittance via Crypto.
  1. USD Gateway:: US Dollar accounts for international business owners.
Wishes
Global Charitable Giving Market Size

U.S. Total Giving is estimated at $3 Trillion.

The only platform in the market with 100 % transparent giving.

An instant donation and giving service that provides 100% transparency to donation spend. Allows users to donate to their favorite charity, cause, organization or individual conveniently online or at participating retail stores, kiosks or vending machines.

For individuals receiving donations, the donations are instantly converted into a virtual credit card sent to their digital wallet (Apple or Google Play) for immediate use, enhancing the charitable impact.

With the Wishes platform, businesses can offer round up purchases, increasing customer engagement and enhancing brand reputation.

Round Ups

Round up purchases to donate. The donation is instant and impactful.

Virtual Credit

Recipient gets a virtual card in their Apple or Google digital wallet.

Immediate Use

Virtual credit is immediately available for use.

Breakage

The remaining dollars and cents not spent from every giving campaign and allocated card will be worth millions.

Shopping Portal

State of the art giving and rewards platform that pays 12 cents on the dollar compared to Amex's 1 cent per dollar.

Basket Data

With our patents and connected portal, SKU's and data can be captured for valuable insight.

Wishes Bag Booster

A patented service that replaces traditional coupons at checkout with instant virtual credit cards, issued when customers bundle related products (e.g., shampoo + conditioner, burger + fries). Instead of slashing prices, it rewards bigger purchases with credits usable immediately or later, driving higher ticket sizes and fostering spending habits that benefit both consumers and merchants—all integrated into FlowVivid's payment ecosystem.

Incentivizes Bigger Purchases

Replaces coupons with instant virtual credit cards, rewarding bundled buys (e.g., $20 spent = $5 credit), boosting ticket sizes without discounts.

Enhances Spending Flexibility

Delivers credits usable immediately or later, seamlessly integrated into FlowVivid's ecosystem, empowering consumers to spend smarter.

Benefits Merchants and Users

Drives higher sales for merchants (20-30% ticket lift) while rewarding customers, fostering win-win spending habits over time

Wishes RefundMe

A proprietary service that accelerates refund distribution by instantly pushing funds to a customer's Apple or Google wallet via a virtual credit card, usable immediately. Unlike the standard 3-5 day refund timeline, this eliminates delays, slashes processing costs, lowers chargeback risks, and resolves disputes on the spot—enhancing customer satisfaction and driving merchant profitability.

Instant Refunds

Pushes funds to Apple or Google wallets via virtual credit cards instantly, eliminating the 3-5 day wait for customers.

Cost and Risk Reduction

Cuts processing costs and lowers chargeback risks, boosting merchant profitability with zero delays.

Enhanced Satisfaction

Resolves disputes on the spot, driving higher customer satisfaction and loyalty.

Wishes & Monarch VendEase
Global Vending Machine Industry Size

$23.16 billion in 2024 (Straits Research) with a 7.2% CAGR, the market could reach $24.83 billion by the end of 2025.

VendEase offers seamless payments at vending machines for not only traditional snacks and beverages, but a wide array of other dispensable products. Payments types such as card, cash and beacon based account-on-file technology which connects with the FlowVivid mobile wallet app to provide personalized recommendations based on inventory and past purchases.

Seamless Payments

Enables smooth transactions at vending machines using card, cash, or beacon-based account-on-file tech.

App Integration

Connects to the FlowVivid mobile wallet app, streamlining payments and enhancing user convenience with a single, secure platform.

Personalized Recommendations

Leverages inventory data and past purchases to suggest tailored items making every vend a custom experience.

FlowVivid Financial Projections
12 Month Projections by quarter
FlowVivid Bios

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