Fluz Fluz: Decentralized Social Cashback Network

What is Fluz Fluz

Friends, imagine every time you shop—whether it’s buying coffee, refueling your car, or shopping for clothes online—you can easily get real cash back, and not just from your own spending. If you refer friends, when they shop, you also earn a bit. That’s exactly what Fluz Fluz is: a project aiming to turn our everyday spending into an opportunity to “make money.”

Simply put, Fluz Fluz is a mobile app-based cashback platform, positioning itself as a “social cashback” app. Instead of points, it gives you direct cash, which you can withdraw or use at Fluz Fluz’s partner merchants. Its core idea is to aggregate everyone’s purchasing power so consumers get more discounts and cashback when shopping.

The typical user flow looks like this: you open the Fluz Fluz app, select the merchant you want to shop with, then purchase a digital gift card or pay with a virtual card through the app. After completing your purchase, you immediately receive cash back. What’s even cooler is, if you invite friends to join, when your friends shop through Fluz Fluz, you also get a portion of their cashback as a “reward”—like a mutual-aid shopping group.

Project Vision and Value Proposition

Fluz Fluz’s vision is to break the trend of weakening consumer bargaining power in traditional shopping. They believe most cashback and rewards programs are too complicated or only target high-spending individuals. Fluz Fluz wants to create a fairer, simpler, and more inclusive cashback ecosystem, allowing everyone to maximize the value of their spending.

The core problem it aims to solve: consumers find it hard to effectively pool purchasing power for more cash rewards in daily spending, and existing tools are often complex and time-consuming. Fluz Fluz builds a “decentralized” cashback solution so all participants benefit, forming a sustainable business model.

Compared to similar projects, Fluz Fluz emphasizes the power of “social networks.” It uses a binary network model, allowing your network to expand up to 15 levels, with a maximum of 65,535 members. In this model, you not only earn cashback from your own spending, but also receive “royalty”-style rewards from the spending of friends and their friends in your social network. Plus, it promises no registration fees, no annual fees, and no complicated sales tasks—like “network marketing 2.0.” Most importantly, it gives real cash, not restrictive points.

Technical Features

As an innovative cashback platform, Fluz Fluz has some notable technical aspects:

• Digital Retail Code Marketplace: The core of Fluz Fluz is an instant digital retail code marketplace. Think of it as a system that can instantly generate or provide merchant gift cards or virtual payment codes, letting you use them immediately for shopping and get cashback.
• Social Network Model: It adopts a unique binary network model, allowing each user (called a “Fluzzer”) to expand their social network down 15 levels, theoretically up to 65,535 members. This structure is designed to maximize the cashback effect from collective purchasing power.
• Blockchain Future: Notably, Fluz Fluz’s whitepaper mentions that while its business model currently operates mainly in an “off-chain environment,” it “intends to gradually transition to blockchain technology” to support global expansion and build a global consumer cashback network based on digital gift cards. This means the cashback features you experience now may not be fully on-chain yet, but the project plans to move toward blockchain.
• Virtual Card Payments: Fluz Fluz supports payments with virtual Visa cards, meaning you can use it at online and offline merchants that accept Visa, and it’s compatible with Apple Pay and Google Pay.
• AI Applications: To improve operational efficiency and compliance, Fluz Fluz has introduced AI technology. For example, they use Greenlite’s AI tools to automate anti-money laundering (AML) alert processing, greatly reducing false positives and speeding up handling.

Tokenomics

The Fluz Fluz project has a cryptocurrency token called FLUZ.

• Token Symbol and Issuance Chain: The token symbol is FLUZ, and it’s an ERC-20 token on the Ethereum blockchain.
• Total Supply and Circulation: The total, maximum, and current circulating supply of FLUZ tokens is 204,780,000. This means all tokens have been issued and are in circulation.
• Initial Coin Offering (ICO): Fluz Fluz held an ICO in early 2018, raising $20 million at $0.10 per token.
• Current Market Performance: As of December 4, 2025, FLUZ tokens trade at about $0.00621, with a market cap of around $1,271,983. Note that some platforms show zero trading volume, which may indicate very low market liquidity.
• Token Utility: According to the whitepaper, Fluz Fluz rewards are issued as “Fluz points” or “cashback,” which can be transferred within the network. However, the official website emphasizes it provides “real cash” that can be withdrawn or spent within the Fluz ecosystem, not points. This suggests that while the FLUZ crypto token exists, the in-app cashback may not be directly tied to the FLUZ token, or the token may represent future rights or value as the project moves toward blockchain.

Team, Governance, and Funding

• Core Members: Fluz Fluz’s co-founder is Maurice Harary. During the ICO, Stefan Krautwald and Luis Felipe Quinones were also key team members.
• Founding Time and Location: The company was founded in 2018 in New York City, USA.
• Funding: Fluz Fluz raised $20 million through its ICO. Additionally, it received investment from institutions such as IOSG Ventures. As of December 31, 2020, Fluz App Inc. had annual revenue of $5.71 million. Other sources indicate its revenue in the cashback ecosystem ranges from $50 million to $100 million.
• Team Development: The initial team was mainly in New York, but with the pandemic and business growth, they shifted to remote work and plan to recruit engineering teams globally, especially in Europe.
• Governance Mechanism: Available information does not detail Fluz Fluz’s specific governance mechanism, such as whether it uses a decentralized autonomous organization (DAO) model.

Roadmap

The development history and future plans of Fluz Fluz can be summarized as follows:

• 2018: Project founded and held its initial coin offering (ICO).
• Early Development: Operated as an app-based cashback platform, focusing on providing cash rewards through social networks.
• December 2020: Fluz App Inc. achieved $5.71 million in annual revenue.
• 2024: Fluz Fluz partnered with design agency Koto Studio for a rebrand, aiming to attract younger users and emphasize community and accessibility.
• Recent Developments: The project is expanding beyond cashback services, aiming to become an “all-in-one financial app.” To improve compliance and efficiency, they introduced AI to automate AML alert processing.
• Future Plans: Fluz Fluz plans to gradually migrate its business model from the current off-chain environment to blockchain technology to support global scale. They also have ambitious product expansion plans and will recruit engineering teams globally, with a focus on Europe.

Common Risk Reminders

When learning about the Fluz Fluz project, there are several potential risks to note:

• Technical and Transition Risks: The whitepaper mentions the project “intends to gradually transition to blockchain technology,” meaning the core cashback system may not be fully decentralized yet. Transitioning from the current system to blockchain is complex and may face technical challenges and uncertainties.
• Token Economic Risks: The current price of FLUZ tokens is far below its ICO price ($0.10 down to about $0.00621), and some data shows zero trading volume, indicating very low market liquidity. This means the investment value of the token is highly risky and may be hard to buy or sell. Additionally, in-app rewards are “cash” rather than FLUZ tokens, which may make the actual use case and value capture of FLUZ tokens unclear.
• Operational and Centralization Risks: Although the project has a decentralization vision, as a cashback platform, Fluz Fluz needs to monitor user behavior to prevent fraud. For example, they actively track and handle malicious actions (such as credit card chargebacks, fake accounts, fraudulent funds), and have the right to lock accounts and confiscate funds. While this centralized control is necessary for platform order, it also means user funds and accounts may be frozen by the platform.
• Compliance Risks: As a fintech company, Fluz Fluz must comply with various financial regulations, especially as it expands globally and introduces blockchain technology. Although they use AI for AML compliance, this remains a dynamic and evolving area.
• Market Competition Risks: The cashback and rewards market is highly competitive, with Fluz Fluz facing challenges from many competitors such as Ibotta and LivingSocial.

Please note: The above information is for reference only and does not constitute investment advice. Always conduct thorough independent research and risk assessment before making any investment decisions.

Verification Checklist

• Block Explorer Contract Address: As FLUZ is an ERC-20 token, you can check its contract address and on-chain activity via Ethereum block explorers like Etherscan.
• GitHub Activity: Official sources mention a GitHub link. Check the repository’s update frequency, code commits, and community contributions to assess the project’s technical development activity.
• Official Website: fluz.app/us
• Whitepaper: You can find a detailed project introduction by searching, functionally equivalent to a whitepaper.
• Social Media: The official website and some sources mention Twitter and Facebook links; you can follow community updates and announcements there.

Project Summary

Fluz Fluz is a fintech project dedicated to providing consumers with cash rewards through social networks and collective purchasing power. It aims to simplify traditional cashback models, offering real cash rewards instead of points, and hopes to use its unique binary network model to let users benefit not only from their own spending but also from “royalties” on spending within their social network. Founded in 2018, it has raised funds through ICO and institutional investment, and is transitioning from a pure cashback app to an “all-in-one financial app,” with plans to gradually integrate blockchain technology.

However, it’s important to note that although the project has the FLUZ crypto token, in-app rewards are currently mainly in “cash” form, and the direct utility and connection of the FLUZ token to the in-app economy is not fully clear. Additionally, the FLUZ token’s market performance is poor, liquidity is low, and the project’s transition to blockchain is still in the planning stage. As a centrally operated cashback platform, it also monitors user behavior and controls accounts, which poses risks.

Overall, Fluz Fluz offers an interesting social cashback model, with a vision to help ordinary consumers maximize the value of their spending. But for crypto investors, the value capture mechanism of the FLUZ token, the project’s blockchain progress, and market liquidity are key points for deeper research. Before considering participation in the project or its token, be sure to conduct comprehensive due diligence and fully understand the risks involved. For more details, please research independently.