Last Updated: October 26, 2026
Public compliance page — no login required
This page is published by FlowMoney LLC for Twilio and mobile-carrier A2P 10DLC review. It is publicly accessible without a FlowMoney account, login, or authentication, and documents FlowMoney's two-factor authentication (2FA) / one-time-passcode SMS program and the consent users give before any verification message is sent.
FlowMoney is a global financial operating system that delivers international payments quickly, securely, and transparently through intelligent settlement optimization, trusted partnerships, and full regulatory compliance.
FlowMoney is a digital financial services application designed to help users manage their FlowMoney account and access supported money-management features through a secure mobile experience.
SMS is used only for one-time verification codes
FlowMoney uses SMS solely to send one-time verification codes requested by users when signing in, creating an account, or verifying their mobile number. Users provide their mobile number and affirmatively consent to receive a verification code before FlowMoney sends an SMS. Message frequency varies.
This is a 2FA / OTP messaging program
The SMS program described on this page is a two-factor authentication (2FA) / one-time-passcode program only.
Users knowingly and voluntarily request these messages. The complete opt-in flow:
FlowMoney only sends a verification SMS after the user voluntarily requests phone verification, submits their phone number, and consents to receive a one-time code. No verification message is sent without that explicit, user-initiated request.
The following consent language is shown to users inside FlowMoney immediately before a verification code is requested, and is displayed here publicly for reviewer verification:
Consent language shown to users
“I agree to receive one-time SMS verification codes from FlowMoney LLC at the mobile number provided. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. See our Privacy Policy and Terms of Service.”
A faithful mockup of the FlowMoney phone-verification screen is shown below. The live screen is inside the authenticated app, so this public mockup lets reviewers see the exact opt-in mechanism and the consent disclosure displayed next to the action button.
FlowMoney
Secure verification
We'll send a one-time code to confirm it's you.
Reply STOP to opt out · Reply HELP for help
Mockup for review purposes. The live in-app screen matches this layout, disclosure, and button.
These are one-time verification code (OTP) messages only.
Message 1
FlowMoney: Your verification code is 482913. This code expires shortly. Do not share this code with anyone.
Message 2
FlowMoney: Your verification code is 725184. This code expires shortly. Do not share this code with anyone.
Opting out of verification messages
Opting out of verification SMS may limit access to certain account features that require phone verification. You may still use email-based verification where available.
We don't sell or share your mobile information
Mobile information and SMS opt-in consent will not be shared with third parties. SMS consent is used solely to deliver the one-time verification codes you request.
FlowMoney LLC
FlowMoney — YOUR MONEY. YOUR WAY.
https://flowmoney.app
support@flowmoney.app
Florida, United States
The business identity above matches FlowMoney's registered Twilio brand.
This section is optional and only relevant if you have a FlowMoney account. The public compliance information above does not require login.
Consent is captured during registration and can be reviewed anytime in the FlowMoney app under Settings. You do not need to log in to view the compliance information on this page.