Floww isn't a single app — it's a stack. Real banking sits at the bottom. AI agents run in the middle. The creator-facing product is just the surface of a much deeper machine.
Every Floww user gets two real UK bank accounts — a main income account and a physically separate tax pot. These have real sort codes and account numbers. FSCS protected to £85,000. The money is actually ring-fenced.
Three specialist agents run in the background. The TaxAgent fires autonomously every time income lands. The DealAgent analyses brand deals. The CashFlowAgent monitors forward cash flow. Creators can ignore Floww for weeks — it's still working.
Triggered on every income event. Calculates band-aware set-aside. Book-transfers to tax pot. No approval required.
Triggered on user request. Scores brand deals 0–100. Drafts counter-offers. Never sends without your tap.
Monitors forward cash flow. Surfaces predicted shortfalls 30–60 days out. Suggests when to draw from tax pot reserves safely.
A mobile-first interface that shows what the agents are doing and provides the approval layer for consequential actions. Design philosophy: make the default interaction passive.
Closed beta opens summer 2026. We onboard creators in cohorts of 100. No credit card. No commitment.