What Is Flownote and How Is It Used in Trade Finance?

Flownote is the platform through which digital negotiable instruments are issued, managed, and financed. It supports instruments such as Bills of Exchange and Promissory Notes when used as Working Capital Notes™.

The platform enables businesses to create legally enforceable instruments digitally, execute them securely, and manage their lifecycle from issuance through to maturity. This includes transfer, financing, and settlement activities.

Flownote is designed to integrate into existing trade finance and treasury workflows. Rather than requiring changes to underlying commercial arrangements, it modernises the execution layer that sits around them.

For corporates and treasury teams, this provides greater visibility and control over obligations and maturities. For banks, it offers access to secure, auditable instruments that are easier to administer and finance.

By supporting digital execution of trusted instruments, Flownote enables trade finance activity to operate with greater speed, transparency, and efficiency.