Shared Wallet
AvailableAccess and permission — on your terms.
A Shared Wallet is a defined arrangement specifying who provides money, who can act, which actions are allowed, and what each person sees. Shared access does not always require everyone to deposit into one pooled balance.
The problem it solves
Sharing a card means sharing everything. Shared Wallet lets an owner define exactly what a shared user can do — with a cap, within a purpose — without handing over full access.
Who it's for
Anyone who needs to give another person defined spending ability while retaining control over the funding source and visibility. Couples, siblings, assistants, or any trusted person.
What it does
One owner. Defined access. Clear limits.
The owner sets the funding source and the shared user's permissions: view, spend, or request. A spend cap means the shared user cannot exceed a defined naira amount. Every action is visible to the owner.
- ✓Owner defines cap, permitted actions, and shared user
- ✓Shared user does not need to deposit funds
- ✓Owner retains full visibility of activity
- ✓Revocable at any time by the owner
Limits
The shared user can only act within the defined permissions. Requests above the cap require owner approval. Shared access visibility is scoped — not a full account view.
Scenario
Ada shares access with Tobi.
Ada gives Tobi view and spend access up to ₦25,000. Tobi initiates an ₦18,000 spend request. Ada reviews and approves. The ₦18,000 is funded from Ada's account — Tobi never deposits.
Permission & Funding
Owner
Ada
Funding source
Ada's account
Shared access: Tobi
View + Spend up to ₦25,000
Tobi initiates
Spend request: ₦18,000
Within Tobi's cap of ₦25,000 — pending Ada's review
Pending reviewIllustrative example
Controls & outcomes
What each person can do
Owner (Ada)
- · Set shared user and their permitted actions
- · Define spend cap
- · Approve or decline spend requests
- · See all activity
- · Revoke access at any time
Shared user (Tobi)
- · View permitted information
- · Initiate spends within cap
- · See own request status
- · Cannot see full account details
- · Cannot exceed defined cap
How it compares
Shared Wallet vs nearby features
| Feature | Purpose | Pooled money? | Context |
|---|---|---|---|
| Shared Wallet | Defined access + permission model | No (owner funds) | Any two people |
| Family Wallet | Household shared money | Yes (members contribute) | Household / family |
| Group Wallet | Shared pot for a purpose | Yes (group contributes) | Collective goal |
| Group Split | Cost allocation calculation | Not applicable | Shared expense |
FAQs
Common questions
Ready to set up shared access?
Open Flur Finance to configure a Shared Wallet with the exact permissions you need.