Money DNA
Understand patterns across your money over time.
What it is
The understanding layer for broader financial activity. Examines the relationship between income, spending, commitments, saving and transfers over time. Makes changes understandable and supports better planning.
The problem it solves
Month-to-month changes in your financial position are hard to explain from individual transactions alone. Money DNA groups activity into meaningful patterns and helps you understand why your position changed.
How it works
Select a period to examine
Money DNA presents income, spending, commitments and transfers for that period
Compare with a previous period to see what changed
Ask a contextual question to explore a specific pattern
Important controls
You choose the period and comparison range
Scope is limited to authorised data available to Flur
Explanations separate measured facts from possible interpretations
AI suggestions require your explicit approval before any action is taken
Common questions
Is Money DNA a credit score or personality test?
No. Money DNA presents recorded financial activity for a selected period. It does not produce a score, category or prediction.
Are internal transfers counted as spending?
No. A transfer to your Savings Wallet is classified as a transfer, not spending. Money DNA maintains this distinction so patterns are meaningful.
Can Money DNA explain why my balance fell?
It can present the income, spending and transfer figures that account for the change and highlight what grew most. It separates measured facts from possible explanations.
Related capabilities