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AI assistantConcept preview

Your contextual financial assistant.

Flur AI is a contextual assistant embedded across Finance. Ask it to explain your spending patterns, find specific transactions, help structure a group split, or clarify a savings intention — in plain language.

Flur AI surfaces context and assists with actions. It does not move money, does not have unrestricted data access, and does not bypass your normal controls.

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Flur AI — Finance assistant
YouWhy did my balance drop in August?
Flur AISpending rose ₦30k while income was flat at ₦300k. Largest increases: dining (+₦12k), transport (+₦8k). Savings transfers were unchanged at ₦40k.
YouWhat did I pay Makola Foods last month?
Flur AIFilter applied: Supplier = Makola Foods · Sep 2026 · Status = Completed. Result: 3 records, ₦47,500. Showing filter above.

Illustrative example — concept preview

The problem it solves

Financial data is only useful when you can make sense of it quickly. Navigating between Money DNA, Transactions, Money Plan, and group features to piece together an answer takes time — and the path between features is not always obvious.

Flur AI gives you a single natural-language entry point that routes your question to the right feature, applies the appropriate filter or context, and returns an inspectable result — without requiring you to know which feature to use first.

Who uses Flur AI

  • 1Someone who wants a pattern explanation without manually reading Money DNA categories.
  • 2A group admin who needs to draft a split proposal and wants help structuring unequal shares.
  • 3A user who knows the question ("what did I spend on food?") but not which filter to apply.
  • 4Anyone setting a Money Plan intention who wants to test whether their target is realistic given past behaviour.

Four example interactions

Each example uses consistent illustrative data. All figures are fictional.

Money DNAPattern explanation
Flur AI references your Money DNA summary to explain a month-over-month change in plain language.
YouWhy is my remainder lower this month even though I earned more?
Flur AIYour income rose ₦40k (₦300k → ₦340k). But spending also increased ₦30k and savings transfers increased ₦30k — together ₦60k more outflows vs. ₦40k more income. Net result: remainder fell ₦20k.
Money PlanClarifying ambiguous intention
When an intention is ambiguous, Flur AI asks a focused clarifying question rather than making an assumption.
YouI want to spend less on food.
Flur AITo set a Money Plan target, I need a specific figure. Your average monthly food spend over the last 3 months was ₦94,200. What ceiling would you like to set for October?
You₦70,000.
Flur AICreating Money Plan intention: Food spending ≤ ₦70,000 for October 2026. Confirm to save.

AI asks one focused clarifying question — it does not make assumptions about intent.

Group SplitUnequal share structure
Flur AI helps draft a structured group split when shares are unequal, showing the full breakdown for review before any action.
YouWe need to split ₦180,000 for the Lagos trip: Amara pays 40%, Kofi 35%, Temi 25%.
Flur AIDraft split: · Amara: ₦72,000 (40%) · Kofi: ₦63,000 (35%) · Temi: ₦45,000 (25%) Total: ₦180,000. Review and confirm to create the Group Split request.

No split is created until you confirm. Normal Group Split controls and approvals apply.

TransactionsInspectable query
Flur AI translates a natural-language question into a Transactions filter — and shows you the filter so you can verify or adjust it.
YouWhat did I pay Makola Foods last month, excluding failed payments?
Flur AIApplying filter: Supplier = Makola Foods Period = Sep 2026 Status = Completed Result: 3 records, ₦47,500. Filter shown above — you can adjust it.

The applied filter is always visible. Flur AI does not have unrestricted access to your transaction history.

All interactions are illustrative examples — concept preview

Normal controls remain — always

Flur AI is an assistant layer. It does not replace or shortcut the controls that govern your money. Here is exactly what AI can and cannot do.

What Flur AI can do

  • ✓Explain Money DNA category changes using your monthly data
  • ✓Apply Transactions filters based on a natural-language question
  • ✓Draft a Group Split structure for your review — before any action
  • ✓Ask clarifying questions when an intention is ambiguous
  • ✓Reference your Money Plan context when answering savings questions
  • ✓Surface relevant features when you describe a financial need

What Flur AI cannot do

  • ✗Initiate payments or transfers of any kind
  • ✗Approve or reject a pending payment on your behalf
  • ✗Bypass payment confirmation or authorisation steps
  • ✗Access data outside the context of your active session
  • ✗Modify your account settings or consent preferences
  • ✗Take action on a Group Split, wallet, or plan without explicit confirmation

Flur AI vs. the underlying features

Flur AI is an entry point — the underlying features (Transactions, Money DNA, Group Split) remain fully accessible and function independently.

DimensionFlur AIUnderlying features
Entry pointNatural language questionStructured UI (filters, selectors)
TransparencyShows the filter/context it usedFilter state is always visible
Confirmation requiredYes — for any action draftYes — standard for all actions
Can it move money?NoYes — with normal authorisation
Data accessContextual (scoped to feature)Full feature data set
Available without AIN/A — AI is optionalYes — fully independent

Frequently asked questions

Ask, don't navigate.

Flur AI routes your financial question to the right feature, applies the right context, and shows you the result — with full transparency and no bypassed controls.

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