Platform
Fluide connects operations, people, money, finance, learning, partners, infrastructure, and certified experts into one ecosystem.
Start with the layer that fits you. Grow across Fluide.
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.
One 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.
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.
Ready 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.