Your money. Connected to what matters.
Understand your money, give it a purpose, and bring plans, purchases and shared payments together—with Flur.
Ada's family celebration
Connected context · event planning
AIS · 2 accounts connected
Updated 4 min agoAIS grants information access — not payment authority
Money DNA insight
₦180k committed this month — ₦47k less than last month despite higher income. 3 recurring transfers account for the gap.
Illustrative connected experience · no real account data
The next step starts with what you already know.
Every stage feeds the next. Understanding drives plans. Plans meet the right opportunity. Completing an action updates what you know.
Understand
AIS · Money DNA
Plan
Money Plan · Savings · Wallets
Find
Product Intent · Opportunity Engine
Complete
Group Split · Split Pay · POS
Understand what changed
Transactions · updated Money DNA
Start with the part you need today.
One experience. Six moments.
Ada is planning a family event. Follow how Flur connects her money, her needs and a shared purchase — from understanding to outcome.
Chapter 1
Understand what she can commit
With permission, AIS brings in Ada's Zenith Bank ( ₦847,200) and GTBank ( ₦234,500) balances. No payment authority is granted — information access only.
Money DNA reads the pattern: Ada has committed ₦180k this month — ₦47k less than last month despite higher income. Three recurring transfers account for the gap.
Connected accounts
Zenith Bank
Current · Apr 2025
GTBank
Savings · Apr 2025
Based on these connected records · AIS grants information access, not payment authority
Chapter 2
Give money a purpose
Ada creates a Money Plan: save ₦10,000 every Friday, keep at least ₦50,000 available. She reviews every rule before it runs.
"Save ₦10,000 every Friday."
Ada describes an intention. Nothing runs yet — Flur reads it as a draft.
Chapter 3
Keep her needs active
Ada saves two needs. They stay active so the right offer can find her later — a saved intent does not authorise a purchase.
Product Intent
Outfit · Size 12 · below ₦60,000
Evening wear · any colour
Service Intent
Hair appointment
After 5pm · before Sat 14 Jun · Lagos
A saved intent doesn't authorise a purchase — it stays active so the right offer can find her later.
Chapter 4
Find a relevant, valid offer
The Opportunity Engine identifies a match: a merchant restocked a size-12 outfit with an eligible group offer at ₦55,000 — within Ada's stated budget. Ada reviews the outfit and any booking separately.
Opportunity Engine · match found
Ada's intent
Size 12 evening wear · <₦60,000
Restocked item
Evening dress · size 12
₦55,000 · group offer eligible
Hair appointment via Acuity calendar integration — concept preview, integration readiness to be confirmed.
Buyer reviews outfit and booking separately.
Chapter 5
Fit the purchase to the people
Three people share the group order. Ada organises: each person pays their own share — the organiser cannot approve debits from all participants.
Group Split
Illustrative demo3 × ₦55,000 = ₦165,000 total
Ada
₦20,000 wallet + ₦35,000 account
₦55,000
PaidBisi
Paid
₦55,000
PaidKemi
Awaiting payment
₦55,000
PendingAda's Split Pay
One organiser cannot approve debits from all participants. · Illustrative: 3 × ₦55,000 = ₦165,000. Ada's ₦20,000 + ₦35,000 = ₦55,000.
Chapter 6
See what changed, and what happens next
The transaction record shows Ada's ₦55,000 with two funding legs nested underneath — not counted twice. The loop closes as Money DNA updates.
Ada's transaction
Illustrative demoNested legs — not added to transaction total
Merchant · order collection
Intended experience — individual integrations subject to confirmation.
The full picture. At every stage.
Four capability areas — each covering one part of the connected experience.
Know where you stand.
Connect supported accounts with AIS, read patterns across income and commitments with Money DNA, and filter the specific records with contextual search.
Transaction search · Illustrative demo
Give your money a job.
Turn an intention into a reviewed rule with Money Plan. Save toward a goal with Savings Wallet. Share money across a family or group with the right controls.
Reviewed plan + savings · Illustrative demo
Turn a need into the right opportunity.
Save a product or service need so it stays active. The Opportunity Engine watches for a matching restock or available slot — a saved intent is not a purchase.
Intent → offer match · Illustrative demo
Saved intent
Size 12 · <₦60k
Eligible offer
₦55,000 · size 12
Service intent
Request saved — no match yet
Complete it in a way that fits.
Coordinate shared buying decisions with Group Commerce, divide costs with Group Split, and fund one purchase from multiple sources with Split Pay.
Group purchase · Illustrative demo
Say what you want to do. See what happens next.
Describe a need in plain language. Flur interprets it, prepares a response or draft, and asks you to review before anything runs.
Comparing March vs April: Food spending up ₦23,400 (58%). 4 transactions to new food merchants account for ₦18,000 of the increase. Your recurring market spend stayed the same.
Supporting transactions
Interpretation and drafting are assisted by AI. Rules, prices, arithmetic and execution are handled by the underlying systems. Normal forms and controls are always available.
From customer need to sale—and the money after it.
Ada sees her own view. The merchant sees the order and payment status. Neither sees the other's personal financial picture.
Ada's view
Illustrative demoMy transaction
Group split status
Bring the right information into the conversation.
Two directions: bring supply into Flur, and reach buyers across supported channels.
Bring supply into Flur
Native catalogue
Merchant → Flur · Real-time
Shopify products
Shopify → Flur · Synced
Meta catalogue
Meta → Flur · Direction only
Acuity calendar
Concept previewAcuity → Flur · Concept preview
Reach eligible discovery channels
Flur buyer discovery
Flur → Buyers · Via catalogue
AI-assisted channels
Concept previewFlur → AI channels · Concept — ranking not guaranteed
A sync does not guarantee external AI ranking or availability everywhere.
Connected context. Clear permissions.
Every capability that accesses or moves money has an explicit, reviewable control — separate from other capabilities.
AIS
Account info access — granted separately from payment permission. You connect each institution; removal revokes access.
Money Plan
Explicit review before any rule runs. You see every condition — source, destination, timing, failure behaviour — before approving.
Buying intent
A saved need is not purchase authorisation. Intent waits for a match you then review separately.
Group Split
Contribution requests — not debit authorisation. Each person settles their own share. An organiser cannot approve for others.
Start with what matters to you.
Five different starting points — one connected experience beneath.
Your task
Understand and organise my money
See your patterns with Money DNA, connect supported accounts with AIS, turn an intention into a reviewed Money Plan, and save toward what matters — you approve every arrangement.
Recommended: Flur Finance
Partnerships
An ecosystem, not a silo.
Flur works with regulated banking, payments, data and AI partners so every product sits on proven foundations. Building something that fits? We partner with banks, fintechs, merchants and platforms.
Wallet infrastructure
Payment processing
Open banking & account data
Banking-as-a-service rails
KoreShieldAI support agentBanks, fintechs, merchants and platforms welcome.
Become a partner →Businesses using Flur
- SVChrome HotelsHospitality
Finance and Commerce capabilities, designed to work together — and independently.
Adopt what's useful today. Add the next piece when you need it. Each capability has a clear job — together they form one connected experience.