User app
Wallet, send and receive money, telecom (airtime, data, voice), bill payments, utilities, bank transfers, school fees, crypto and exchange journeys where enabled, invoices, loans, goal savings, donations, events, eBroker, food and groceries, partner features, and more.
Agent app
Add float, cash-in and cash-out, borrowing against credit score, commissions, withdrawals to mobile money or bank, and operational tools built for agent networks.
Merchant app
Accept customer payments, manage business flows, and use merchant-specific features configured for your line of business—including school fee collection and reporting where applicable.
Exchange app
Dedicated flows for digital exchange aligned with FinFlo configuration, compliance, and limits.
Hosted web experiences
Some journeys (for example payment links, verification, or school portals) are available on the web while the core wallet experience remains mobile-first.