Flow of funds

Flow of funds is the full path money takes through a platform — from the moment a buyer pays to the moment every seller, partner, fee, and refund has landed where it should.

How it works

• It maps each hop: buyer to acquirer, into a holding balance or wallet, then out to each recipient by split rule.
• It names who legally holds the money at each step — which matters for licensing, tax, and liability.
• A clean flow of funds accounts for the edge cases too: refunds, reserves, chargebacks, and delayed captures.

Think of it as the blueprint behind the money chain — the same journey, drawn precisely enough to audit.

Why it matters

Regulators, banks, and auditors all ask the same question: where does the money sit, and who controls it? A platform that can’t diagram its flow of funds struggles to onboard a banking partner, and quietly loses track of money parked mid-journey.

How Fynex does it

Fynex runs the whole flow on one platform — collecting the payment, splitting it at settlement, and posting every leg back to your books. As a licensed e-money institution it can hold funds where most tools can’t. See what is the money chain?