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Tech tree

A Civilization-inspired map of what we're building. Each card ships a capability — and unlocks the next.

Account Information

Live bank balances and transaction history.

Building...

ERP vouchers

Voucher-level detail from accounting systems.

CalDAV

Trigger Fluidly from your office calendar.

AI component

Wire your data into AI agents, right on your business canvas.

Mobile Payments

Mobile payment networks as Fluidly nodes.

FX API

Spot trading – automate foreign currency exchange.

Transactions

Initiate and track payments.

Planning...

Mobile FX gateways

Instant cross-border remittance over mobile payment networks.

FX derivatives

Hedge currency exposure temporarily.

Sweeps & top-ups

Balance cash automatically to keep target balances.

Bulk signing

Approve and sign many payments at once.

Tax account node

Pay taxes and monitor your tax account balance.

Virtual accounts

Your own ledger – lets you track anything in any currency.

ERP bookings

Write entries back to your accounting system.

Reconciliation

Match transactions to invoices and bookings automatically.

Logs & receipts in calendar

Every action and document on a readable timeline.

Transaction categorization

Sort transactions into categories you define.

Advisory roles

Run AI queries with scoped access to banks and books.

End-to-end cross-FX zero-balancing

Cash management across the company group.

Board-approval payment flows

Route large payments through board approvals.

Virtual account structures

Using a bank account as top account.