Your monthly financial
fingerprint.
Money DNA is a clear, structured breakdown of how your money moved each month — income, spending, savings transfers, and what remained — compared to the month before. It is not a score. Not a personality. Not a credit rating.
Money DNA describes what happened. It does not rank, judge, or predict.
← Back to FinanceSimplified example — comparable starting positions assumed. Illustrative only.
The problem it solves
Bank statements and transaction lists show individual items, but not the pattern. You can see that you spent ₦210,000 last month, but not how that compares to the month before, or whether your savings habits changed.
Money DNA structures your month into four categories — income, spending, savings transfers, and remainder — and compares them directly to the prior month. The result is a one-page picture of whether things improved, stayed the same, or shifted.
Who uses Money DNA
- 1Someone who wants to know whether their spending actually went up last month, without manually summing transactions.
- 2A user trying to build a savings habit — tracking whether savings transfers are growing month over month.
- 3Anyone who received a pay rise and wants to see where the additional income actually went.
- 4A household reviewing shared finances who needs a neutral starting point for a financial conversation.
What Money DNA does — and what it is not
Four specific functions. Three things it explicitly is not.
What it does
Structures your month into four categories
Income, spending, savings transfers, and remainder — consistently defined and calculated the same way each month.
Compares this month to last month
Shows absolute change (₦) and percentage change for each category — not a rolling average, a direct month-over-month comparison.
Includes connected account data (when AIS is active)
If you have connected external accounts via AIS, Money DNA can incorporate those transactions for a more complete picture.
Feeds Flur AI context
Flur AI can reference your Money DNA summaries when you ask pattern questions — without giving AI unrestricted access to your data.
What it is not
Not a score
Money DNA does not produce a number that rates your financial behaviour. There is no "good" or "bad" outcome — it describes what happened.
Not a personality assessment
Money DNA does not categorise you as a "saver" or "spender" or assign any identity label. Categories describe activity, not character.
Not a credit rating
Money DNA is a private financial summary visible only to you. It is not shared with credit bureaus, lenders, or any third party.
Step-by-step: Kofi reviews his September DNA
Illustrative example — simplified. Comparable starting positions assumed.
Kofi opens Money DNA for September
On 1 October, Kofi opens the Money DNA section. Flur has processed September transactions and prepared a structured summary using activity within his Flur wallet.
The four categories appear with August comparisons
Income rose from ₦300,000 to ₦340,000 (+₦40,000). Spending rose from ₦180,000 to ₦210,000 (+₦30,000). Savings transfers rose from ₦40,000 to ₦70,000 (+₦30,000). Remainder fell from ₦80,000 to ₦60,000 (−₦20,000).
Illustrative — simplified example
Kofi notices the remainder fell despite higher income
Although income rose ₦40k, spending also increased ₦30k and savings transfers increased ₦30k — together accounting for ₦60k more outflows than the prior month, while income only rose ₦40k. Remainder fell ₦20k.
He asks Flur AI to explain
"Why did my remainder fall even though I earned more?" — Flur AI uses the Money DNA context to explain: income increased, but combined spending and savings transfer growth exceeded income growth.
Kofi sets a Money Plan intention for October
Using the clarity from Money DNA, Kofi sets a spending ceiling for October and increases his savings transfer target — informed by what he saw, not by a score telling him what to do.
Controls, approvals and data scope
Approval
- ·Generated automatically on the first day of each month
- ·No manual action required — based on your transaction activity
- ·External account data included only when AIS consent is active
Data scope
- ·Flur wallet transactions for the calendar month
- ·AIS-connected account transactions (when active)
- ·Savings transfers counted separately from spending
- ·Internal Flur transfers between your own wallets excluded from income/spending
Outcome states
- ·Ready: summary generated for the completed month
- ·Pending: month not yet complete
- ·Partial: AIS data unavailable — summary shows Flur-only data with a clear label
Money DNA vs. Transactions
These two features are often confused because both deal with financial data. They serve different jobs.
| Dimension | Money DNA | Transactions |
|---|---|---|
| What it shows | Monthly totals by category, month-over-month change | Individual payment records with full detail |
| Granularity | Aggregated — one row per category | One row per transaction |
| Time dimension | Month vs. prior month | Searchable by any date range |
| Are transfers spending? | No — savings transfers are a separate category | Yes — all debits appear |
| Can explain a single item? | No — use Transactions for that | Yes — each record is inspectable |
| Use it when… | You want to understand the shape of your month | You need to find or verify a specific payment |
Frequently asked questions
See the pattern, not just the numbers.
Money DNA gives you a structured monthly picture of your income, spending, savings, and what remained — compared clearly to the month before.
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