Unified Financial Operating System for Africa
Africa's unified financial operating system for every economic actor.
Fluide helps organizations, entrepreneurs, workers, institutions, partners, and communities operate, pay, protect, build trust, access finance, learn, connect, measure performance, and grow through one connected ecosystem.
From SMEs, startups, NGOs, funds, and financial institutions to traders, employees, freelancers, students, partners, and developers, Fluide connects the tools, data, finance, services, infrastructure, and certified experts needed to power Africa’s next generation of economic growth.
One ecosystem. Multiple operating modes. Certified experts when you need them.
Africa’s productive economy is not short of ambition. It is short of connected systems.
Businesses operate with scattered tools. Payroll is managed manually. Books are incomplete. Stock is tracked informally. Payments are split across cash and mobile money. NGOs struggle with fund and impact reporting. Startups lack runway visibility. Funds struggle with portfolio reporting. Financial institutions need better operating visibility and digital infrastructure. Workers and freelancers lack personal financial wellness tools. Many leaders want better systems but do not have the internal capacity to operate them.
Organizations run on fragmented systems
Teams use disconnected tools for HR, payroll, books, stock, payments, finance, and reporting.
Leaders lack time and internal capacity
Business owners, founders, fund managers, NGO executives, and financial institutions often lack trained internal teams to manage modern systems properly.
Financial records are not trusted enough
Without structured records, organizations struggle to access finance, report performance, or attract partners and investors.
Workers lack personal growth tools
Employees, freelancers, gig workers, and students need better ways to manage work, income, money, career, and protection.
Partners need visibility
ESOs, NGOs, employers, donors, service providers, and financial institutions need better program, beneficiary, and impact visibility.
Capital needs better data
Investors and lenders need verified pipelines, trusted records, risk intelligence, repayment tracking, and impact reporting.
Fluide connects operations, people, money, finance, learning, partners, infrastructure, and certified experts into one ecosystem.
Fluide is designed so every economic actor can start where they are and grow into the tools, services, partners, and capital they need.
Start with the layer that fits you. Grow across Fluide.
An SME can run operations through Fluide Business.
A startup can track runway and fundraising readiness.
An NGO can manage grants and impact.
A fund can monitor investments and returns.
A financial institution can manage lending, deposits visibility, and risk.
A trader can start simple with Fluide Lite.
An employee or freelancer can manage work and money through Fluide Pulse.
A community can join Fluide Finance directly.
A financial institution can use Fluide Bank infrastructure.
A developer can build through Fluide Connect.
A partner can manage programs through PartnerHub.
A busy owner can hire a Fluide Certified Virtual Manager.
Built for every economic actor in Africa.
SMEs
Operations and profitability – run sales, expenses, stock, HR, payroll, payments, books, finance readiness, protection, reports, and profitability.
Explore SME ModeStartups
Growth and fundraising – track burn rate, runway, revenue growth, fundraising milestones, investor updates, team costs, cash position, and growth performance.
Explore Startup ModeNGOs & Nonprofits
Funds and impact – manage grants, donor restrictions, program budgets, volunteers, beneficiaries, procurement, impact metrics, and donor reports.
Explore NGO ModeFunds & Portfolio Companies
Investments and returns – track capital deployed, portfolio companies, investment rounds, valuations, returns, fund expenses, investor reports, and portfolio performance.
Explore Fund ModeFinancial Institutions
Lending, deposits and risk management – monitor borrowers, deposits visibility, repayments, arrears, portfolio at risk, branch performance, officer performance, liquidity, and institutional reporting.
Explore Financial Institution ModeMicro‑Businesses & Traders
Simple tools to start – record sales, track stock, manage customers, accept payments, save daily, and build business readiness from mobile or WhatsApp.
Explore Fluide LiteEmployees, Freelancers, Gig Workers & Students
Work, money, career and protection – manage work tools, wallet, income, budgets, savings, CVs, invoices, jobs, career growth, protection, and personal financial wellness.
Explore Fluide PulseDirect Members & Communities
Financial growth beyond the formal business ecosystem – save, build Trust Score, join group finance, access learning, use Fluide Access agents, and prepare for responsible finance even without using Fluide Business.
Explore Fluide FinanceBusy Owners & Executives
Certified experts to run your Fluide workspace – hire a Fluide Certified Virtual Manager to operate your books, HR, payroll, stock, finance, grants, portfolio reports, compliance, or dashboards.
Hire a Virtual ManagerDevelopers & Service Providers
Build, integrate and distribute – connect apps, services, APIs, fintech products, integrations, and marketplace offerings through Fluide Connect.
Explore Fluide ConnectPartners, ESOs & Donors
Programs, beneficiaries and impact – manage beneficiaries, launch programs, deliver training, track readiness, distribute services, and measure impact.
Explore PartnerHubOne ecosystem. Multiple operating modes. Connected modules.
Fluide is built around a simple belief: economic actors should not depend on disconnected tools to manage operations, people, money, finance, protection, learning, partners, reporting, and growth.
Fluide Business
Unified Business and Financial Management Platform for Organizations
Fluide Business is the unified business and financial management platform for Africa's productive organizations - helping SMEs, startups, NGOs, nonprofits, funds, portfolio companies, financial institutions, and other economic actors manage operations, people, money, reporting, and growth.
Powered by Multi-Mode Accounting, Fluide Business adapts to each organization's financial reality - profitability, runway, grants, investments, or lending risk.
Fluide Business includes embedded modules for HR, Payroll, Jobs, Books, Stock, Pay, Finance, Protect, Reports, Workflows, Documents, and Approvals.
Fluide Lite
Simple Business App for Micro‑Businesses
Fluide Lite helps traders, informal sellers, small shops, WhatsApp sellers, and micro‑businesses record sales, track stock, manage customers, save daily, and build business readiness.
Fluide Pulse
Work, Money, Career and Financial Wellness App
Fluide Pulse helps employees, freelancers, gig workers, professionals, and students manage work tools, wallet, income, budgets, savings, career growth, protection, and personal financial wellness.
Fluide Finance
Financial Growth Layer for Ecosystem and Direct Members
Fluide Finance helps workers, traders, SMEs, groups, cooperatives, diaspora users, communities, and Direct Members save, build Trust Score, join group finance, access financial wellness, and prepare for responsible finance.
Fluide Capital
Structured Financing and Investment Access
Fluide Capital connects verified businesses, workers, partners, funds, and communities to working capital, payroll float, invoice finance, inventory finance, device financing, investor pools, and structured capital.
Fluide Bank
Core Banking and BaaS Infrastructure
Fluide Bank powers MFIs, SACCOs, cooperatives, fintechs, and embedded finance providers with core banking, ledger, accounts, product engines, APIs, reconciliation, and compliance workflows.
Fluide Connect
APIs, Integrations and Marketplace
Fluide Connect connects developers, fintechs, SaaS providers, service partners, virtual managers, and institutions to the Fluide ecosystem through APIs, webhooks, sandbox, and marketplace tools.
Fluide Academy
Learning, Skills and Certification
Fluide Academy delivers business, finance, AI, entrepreneurship, workplace, career, vocational, and certification pathways for users, partners, and Virtual Managers.
Fluide PartnerHub
Partner, Program and Service Management
Fluide PartnerHub helps ESOs, NGOs, employers, service providers, institutions, Virtual Managers, and ecosystem partners manage beneficiaries, referrals, programs, service delivery, certifications, and impact.
One accounting foundation. Multiple operating models.
Most business systems are built for one type of organization. Fluide Business is different. Its Multi‑Mode Accounting system adapts to how different organizations manage money, performance, obligations, and reporting.
- An SME needs profitability and cash flow.
- A startup needs runway and fundraising reports.
- An NGO needs fund tracking and donor restrictions.
- A fund manager needs investment and portfolio performance.
- A financial institution needs lending, deposits, risk, and portfolio monitoring.
- Fluide Business allows each organization to operate in the mode that matches its reality.
SME Mode – Operations and Profitability
For: SMEs, shops, agencies, distributors, clinics, schools, restaurants, contractors, and service businesses.
Focus: revenue, expenses, profit, cash flow, stock, payroll, taxes, invoices, customers, suppliers, payables, receivables, profitability reports.
Everything your organization needs in one connected system.
HR
Staff records, departments, attendance, leave, contracts, roles, documents, workforce administration.
View modulePayroll
Salary cycles, deductions, payslips, payroll reports, statutory records, salary‑linked workflows.
View moduleJobs
Job posts, applications, talent pipelines, recruitment workflows, interview stages, hiring records.
View moduleBooks
Income, expenses, invoices, receivables, payables, accounting records, financial reports, management summaries.
View moduleStock
Inventory, suppliers, stock movements, product records, low‑stock alerts, stock value.
View modulePay
Payment collection, payment links, disbursements, mobile money, settlement, reconciliation.
View moduleFinance
Business reserves, credit readiness, staff financial wellness, finance workflows, responsible capital preparation.
View moduleProtect
Business protection, staff protection, asset protection, device protection, insurance workflows through partners.
View moduleReports & Workflows
Dashboards, approvals, documents, tasks, operating workflows, management reports, board reports, donor reports, portfolio reports.
View moduleThe personal app for work, money, income, career and protection.
Fluide Business runs the organization. Pulse empowers the individual.
Fluide Pulse gives employees, freelancers, gig workers, professionals, and students one mobile‑first app to manage their work life, money life, income, career, protection, and financial wellness.
Work
clock‑in/out, attendance, leave requests, payslips, announcements, team directory, requisitions, expenses, receipt capture.
Money
wallet, transaction history, transfers, budgets, spending insights, savings goals, shared subscriptions, bill payments, QR payments.
Income
income tracker, multiple income sources, income categories, income goals, AI income insights, income report export.
Career
job feed, student‑friendly job filters, application tracker, AI career coach, skills profile, salary benchmarks, CV builder, portfolio builder, freelancer invoices, milestone payment tracker.
Wealth and Protection
Fluide Score, loan marketplace (where eligible), device financing (where eligible), njangi and circles, pension and retirement savings, insurance marketplace, income protection, life insurance, student micro‑health insurance.
Fluide Finance works inside the ecosystem — and beyond it.
For organizations using Fluide Business, Fluide Finance is embedded as a module supporting business reserves, credit readiness, staff financial wellness, salary‑linked workflows, and finance dashboards.
But Fluide Finance also serves people and communities outside Fluide Business. Direct Members, workers, traders, groups, cooperatives, associations, diaspora families, and agent‑onboarded users can join Fluide Finance directly to save, build Trust Score, participate in group finance, access financial education, and prepare for responsible finance.
Key message
Fluide Business users access Fluide Finance as a module. Direct Members access Fluide Finance as a financial growth platform.
Explore Fluide FinanceNo internal team? No problem. Hire a Fluide Certified Virtual Manager.
Not every organization has the time or internal capacity to manage HR, payroll, books, stock, payments, finance, grants, portfolio reports, compliance, or dashboards every day.
Fluide Certified Virtual Managers help organizations operate their Fluide Business workspaces when they lack time or internal capacity.
You stay in control. Your Virtual Manager only accesses what you authorize, and every action is logged.
Best for: SME owners, startup founders, NGO executives, nonprofit leaders, fund managers, portfolio company leaders, financial institution executives, and industry vertical operators.
Virtual Manager Types
What they can manage
Access levels
Trust controls
Clear roles across the Fluide financial ecosystem.
| Layer | Product / Module | Role |
|---|---|---|
| Business Finance Module | Finance inside Fluide Business | SME reserves, finance readiness, staff wellness, embedded finance workflows |
| Direct Finance Platform | Fluide Finance | Financial growth for Direct Members, communities, groups, workers, and traders |
| Capital Layer | Fluide Capital | Working capital, payroll float, invoice finance, inventory finance, investor pools |
| Payment Layer | Fluide Pay | Payments and settlement – embedded inside Fluide Business and broader ecosystem |
| Infrastructure Layer | Fluide Bank | Core Banking and BaaS for institutions |
| Eligibility Layer | Trust Score / FACS | Risk, readiness, scoring, affordability, eligibility |
| Protection Layer | Protect inside Fluide Business, Pulse and Finance | Insurance and protection workflows through partners |
Fluide Finance is both an embedded Fluide Business module and a broader financial growth platform. Fluide Pay is embedded inside Fluide Business but also powers payment workflows across the wider ecosystem. Fluide Protect is embedded across Fluide Business, Pulse, and Finance rather than sold as a standalone product.
Grow through partners, not alone.
Fluide is built for collaboration. ESOs, employers, cooperatives, service providers, financial institutions, government programs, training partners, investors, agents, and Virtual Managers can use Fluide to serve communities, manage programs, distribute services, and measure impact.
Partner types
An open marketplace for apps, services, experts and integrations.
Fluide Connect makes the ecosystem programmable and extensible. Developers can build on Fluide APIs. Service providers can list offers. Virtual Managers can be discovered. Fintechs can connect products. Institutions can distribute services. Organizations can discover trusted tools and experts.
Marketplace categories
Turn verified activity into trust, readiness and opportunity.
Fluide Trust Score helps convert operational records, payroll records, work activity, income history, payment activity, savings behavior, learning progress, partner verification, group participation, and repayment discipline into readiness intelligence.
This helps users understand where they stand, what they need to improve, and what opportunities they may unlock.
Signals
Digital‑first, but not digital‑only.
Fluide is designed for real African markets. Users can start through web, mobile, WhatsApp, partners, employers, institutions, certified managers, or agents.
Through Fluide Access, authorised agents, mobile money kiosks, merchants, and field partners can help users register, complete KYC, deposit cash, save, repay, and get support.
web
mobile app
employer invite
partner invite
agent onboarding
Virtual Manager setup
service partner
financial institution
diaspora support
Coming Soon: Tailored Fluide solutions for every industry.
New Fluide verticals launch from 2027 onward, based on market demand, partner readiness, certified manager availability, and industry adoption.
Fluide is building a flexible operating system that can adapt to the daily workflows of different sectors. Beginning in 2027, Fluide will introduce specialised vertical solutions for industries such as fuel stations, schools, agriculture, healthcare, hospitality, construction, logistics, retail, real estate, legal services, religious organizations, sports, media, beauty, and social impact.
Each vertical will package Fluide Business modes, embedded modules, Pulse, Finance, Pay, Protect, Capital, Academy, PartnerHub, Connect, and certified Virtual Managers into sector‑specific workflows.
⛽ Fuel Stations
Fluide Gas
Sector‑specific workflows for Gas.
Virtual Manager Fit: Station accountant, fuel stock reconciliation manager
Join Waitlist🎓 Schools
Fluide Campus
Sector‑specific workflows for Campus.
Virtual Manager Fit: School bursar, fee collection admin, payroll manager
Join Waitlist🌾 Agriculture
Fluide Grow
Sector‑specific workflows for Grow.
Virtual Manager Fit: Cooperative records manager, harvest finance officer
Join Waitlist⚡ Energy
Fluide Power
Sector‑specific workflows for Power.
Virtual Manager Fit: Billing admin, field operations coordinator
Join Waitlist🏥 Clinics
Fluide Care
Sector‑specific workflows for Care.
Virtual Manager Fit: Clinic administrator, medicine inventory manager
Join Waitlist🍽️ Restaurants
Fluide Table
Sector‑specific workflows for Table.
Virtual Manager Fit: Restaurant back‑office manager
Join Waitlist🏨 Hotels
Fluide Stay
Sector‑specific workflows for Stay.
Virtual Manager Fit: Hotel operations admin
Join Waitlist🏗️ Construction
Fluide Build
Sector‑specific workflows for Build.
Virtual Manager Fit: Project cost controller
Join Waitlist💚 NGOs
Fluide Impact
Sector‑specific workflows for Impact.
Virtual Manager Fit: Grant manager, impact reporting officer
Join Waitlist⚖️ Legal
Fluide Legal
Sector‑specific workflows for Legal.
Virtual Manager Fit: Practice administrator
Join Waitlist🏠 Real Estate
Fluide Space
Sector‑specific workflows for Space.
Virtual Manager Fit: Property manager
Join Waitlist🚚 Logistics
Fluide Move
Sector‑specific workflows for Move.
Virtual Manager Fit: Fleet operations coordinator
Join Waitlist🏪 Retail
Fluide Trade
Sector‑specific workflows for Trade.
Virtual Manager Fit: Retail operations manager
Join Waitlist⛪ Faith
Fluide Faith
Sector‑specific workflows for Faith.
Virtual Manager Fit: Church finance admin
Join Waitlist🏋️ Sports
Fluide Sport
Sector‑specific workflows for Sport.
Virtual Manager Fit: Membership and facility admin
Join Waitlist🎬 Media
Fluide Media
Sector‑specific workflows for Media.
Virtual Manager Fit: Production accountant
Join Waitlist💅 Beauty
Fluide Beauty
Sector‑specific workflows for Beauty.
Virtual Manager Fit: Salon branch manager
Join WaitlistReady to build with Fluide?
Whether you run a business, manage a startup, lead a nonprofit, manage a fund, operate a financial institution, sell daily, work professionally, study, serve beneficiaries, build financial products, or invest in Africa’s productive economy, Fluide gives you the operating system, modules, partners, finance, learning, infrastructure and certified experts to grow.