Every tool. One connected purpose.

Account information services. With your permission, AIS brings supported external account balances and transaction information into Flur — giving you financial visibility across institutions so Money DNA has the full picture.

Explains broader patterns across income, spending, commitments and savings. Why is less left this month despite higher income? You get a grounded, records-based answer.

Inspect the specific records behind any financial picture. Filter by supplier, period, status. Ask a question in plain language — results and explanation stay in sync.

Turn an intention into a reviewed rule with an explicit source, destination, amount, timing, conditions and failure behaviour. You approve before anything runs.

A destination for money set aside for a future need, with visible progress toward a goal. Separate from Money Plan's movement rules and Protected Balances' use restrictions.

A household arrangement for contributions and permitted spending over recurring needs and purchases, with an appropriately scoped member view.

A shared pot for a group or purpose. Contributions, balance and spending are different figures — ₦200k contributed minus ₦120k spent leaves ₦80k, while the contribution history stays at ₦200k.

A shared arrangement under a supported ownership, funding and access model. Shared access need not require everyone to deposit into a common pot.

Money set aside under defined rules about how and when it can be used or released. Differs from an unrestricted savings destination.

Interprets ordinary buyer messages using catalogue context — "three blue chairs" becomes a matched item and draft cart, with questions or handoff when supply or delivery facts are unclear.

Retains a buyer's need — item, variant, price condition, other relevant conditions — so it stays active after chat ends and a later restock or eligible offer can be relevant.

Preserves a service need — type, location, time preference, budget — so it can wait for a suitable appointment without the buyer starting over.

Products have imagery, variants, price and inventory. Services need scope, duration, availability, delivery mode and booking information. These records support discovery, conversations, carts and orders.

Identifies an actionable match between saved buyer demand and current merchant supply — a restock meets a saved size request, or an open appointment meets a service preference.

Applies eligible pricing from merchant-set conditions — draft, simulate, review, activate. Shows the reason, not merely the number.

A connected scheduling source that supplies eligible calendar and appointment information so Service Intent matches are meaningful. Integration readiness to be confirmed.

Coordinates shared product or service choices — sessions, proposals, votes and contribution progress under organiser controls. A session is not a Finance wallet; a vote is not payment.

Divides a shared cost among people, reviews each share and tracks who has settled. Requests do not authorise debiting participants.

One payer funds one purchase from multiple supported sources — part Flur wallet, part connected account, reviewed before it runs. Contrast with Group Split's several people / individual shares.

Gives a chosen person controlled spending access with a limit and validity, without exposing card details. The permission card shows recipient, cap and remaining allowance. Revocable.

The merchant-facing experience for coordinating a sale's payment workflow. One ₦120k sale split between two people, one using two funding sources — each leg visible, collected and outstanding shown separately.

A controlled review route before a payment action progresses — requester, amount, recipient, reviewer, decision. Approval is permission, not proof of payment.