Money, understandable everywhere.
Finclusivo is the financial intelligence platform that turns transactions, wallets, banks and business records into intelligent decisions for people, businesses and fintechs.
- Bank-grade encryption
- AI native
- Built for mobile money
- Multi-currency
Move Ksh 4,000 to savings to hit your Emergency Fund goal 11 days early.
Powering financial intelligence across the world
- Transactions analysed
- $14M+Transactions analysed
- Accounts connected
- 120k+Accounts connected
- Currencies supported
- 20+Currencies supported
- Time to insight
- <1sTime to insight
One platform. Every money surface.
Personal, business and platform intelligence, connected by a single AI layer.
Personal
Personal finance, simplified by AI.
Track spending, budgets, goals, debt and cash flow across every wallet you own.
Auto-categorisation · SMS & M-Pesa parsing · Budgets and envelopes · Savings goals · Smart alerts · Multi-currency · Mobile app
ExploreBusiness
Live financial intelligence on every account.
Understand sales, expenses, profit and runway as they happen, not at month end.
Multi-account aggregation · Cash flow forecasting · Dashboards and reports · Fraud and anomaly detection · Exports · Priority support
ExplorePlatform & API
Embed Finclusivo intelligence in your product.
Give every customer of your bank, SACCO or fintech an AI financial assistant.
AI Finance Assistant API · White-label widgets · Bank and SACCO integrations · SSO and SCIM · Dedicated VPC · 99.99% SLA
ExploreYour full money picture, on one screen.
A live view of every account, currency and goal, designed for humans, powered by AI.
- Ask anything
- Natural-language answers about your own money, with the working shown.
- See what is coming
- Cash flow, balances and goals forecast weeks ahead.
- Catch problems early
- Anomaly and fraud signals on every wallet, in real time.
Built on bank-grade rails: encryption everywhere, granular access control and immutable audit logs. Read about our security.
- Visa · subscription+212%
- M-Pesa · airtime+58%
- ATM · withdrawal+34%
Qwant-AI: Food spend rose 28% last week, mostly delivery during the rains. Consider a Ksh 3,000 rainy-day envelope.
Every signal becomes a decision.
- 01Connect
- 02Categorise
- 03Analyse
- 04Forecast
- 05Decide
- 06Act
People, businesses and fintechs compounding with Finclusivo.
“I finally understand where my money actually goes, and what to do about it.”
“Our CFO now answers board questions in the meeting, not a week later.”
“Embedding Finclusivo gave our wallet users a true financial assistant.”
“The SMS parser alone replaced three of our internal scripts.”
Simple, transparent, scales with you.
Free for individuals. Pay only when your team or platform needs more.
Personal
Ksh 0forever free
For individuals turning chaos into clarity.
- 1 user
- Unlimited accounts
- Daily AI insights
- Budgets and goals
- Mobile and web app
Business
Most popularCustomper workspace / month
For teams that need live financial intelligence.
- Up to 10 seats
- All Personal features
- Cash flow forecasting
- Multi-currency
- Smart alerts and exports
- Priority support
Platform / API
Customfor banks, SACCOs and fintechs
For institutions serving customers at scale.
- AI Finance Assistant API
- White-label widgets
- Dedicated VPC option
- SSO and SCIM
- 99.99% SLA
- Solution engineer
Questions, answered.
What is Finclusivo?
Finclusivo is a financial intelligence platform that turns transactions, wallets, banks and business records into intelligent financial decisions for individuals, businesses and fintechs.
How does Qwant-AI work?
Qwant-AI reads your connected accounts and answers natural-language money questions, while proactively surfacing budgets, risks and opportunities.
Which accounts can I connect?
Mobile money (M-Pesa and others), bank accounts, cards, wallets and SACCO accounts. Multi-currency by default.
Can fintechs embed Finclusivo?
Yes. The AI Finance Assistant API and white-label widgets let banks, SACCOs and fintechs add Finclusivo intelligence to their own products.
Is my data secure?
Encryption in transit and at rest, granular access controls, full audit trails and regional data residency. We never sell user data.
Do you support African markets first?
Yes. Finclusivo is built for African financial behaviour: mobile money, SMS parsing and multi-currency. It works globally.