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08 / 10Finance, cards & treasury

Flo.

Money that moves with you.

CardsTreasuryMobile experiencePremium service
flo.Flo app welcome screen with the message Money that moves with youMONEY THAT MOVES WITH YOU.

Application design concept

08 / THE IDEA

Money that moves with you.

Financial products can be capable and still feel disconnected. Flo explores a more considered relationship between the way money moves, the way it is managed and the experience of the person making the decisions.

The product direction combines payment access, cards and digital-asset connectivity with the controls that founders and businesses need. An approachable mobile experience sits alongside a deeper treasury proposition.

Dhawal leads Flo as Founder & CEO. The proposed model brings product design and service coordination together, with financial services supplied through specialist licensed partners.

Mobile-firstProduct experience
Personal + businessFinancial perspective
Partner-ledProposed service model

Inside Flo

What makes
it work.

A premium financial-product concept connecting everyday money, business treasury and a more considered service experience.

01

Account & payment access

EUR IBAN and SEPA services form part of the proposed European programme, supported through suitable partners.

02

Virtual & premium cards

Card concepts connect spending with the wider account experience, including virtual and premium physical formats.

03

Treasury overview

A clearer view of balances, activity and payment decisions for founders and businesses managing more than one moving part.

04

Business controls

Multi-entity workflows, beneficiary management, dual approvals and an audit record bring structure to operational finance.

05

Digital-asset connectivity

The product explores the connection between traditional money workflows and supported digital-asset services.

06

Relationship service

Concierge and premium-service concepts aim to make the experience feel more personal as customer needs become more complex.

The perspective

01

The product

A clear front door to a capable system.

The Flo application direction is intentionally direct: familiar actions, clear language and an interface that makes the next step understandable. Complexity belongs in the underlying work, not in every screen.

For a customer, a good experience combines confidence and control. They should be able to see what is happening, understand the terms and move between the relevant services without losing context.

02

For founders & businesses

Better control as the business grows.

A business can outgrow a simple account long before it becomes a large institution. New entities, additional currencies and shared responsibilities create needs that basic consumer interfaces were not designed to handle.

Flo’s treasury concept brings those needs forward. Permissions, approvals, payment records and visibility are treated as core parts of the experience, with room for more sophisticated services as the relationship develops.

03

The premium direction

Service that has a reason to be premium.

The proposed Gold Reserve flagship and premium-card programme are intended to sit within a wider service relationship. The value has to extend beyond the appearance of the card.

The project remains a financial-product concept in development. The final issuing structure, provider relationships, supported markets and product terms will determine how the service becomes available.

The ambition

A simpler daily experience, with the depth to support more ambitious plans.

Continue exploring / 09

Krishna Leela

Culture, learning & spiritual life

A good place to begin

Something
extraordinary
in mind?

The right conversation can change the direction of a business. If you have a clear idea, a serious opportunity or a perspective worth sharing, connect with Dhawal on LinkedIn.

Connect on LinkedIn ↗