fluid.ly

What It Is

Fluidly is a financial insights and cash management tool from Sweden-based Fluidly AB. It is currently still recruiting design partners and onboarding customers one by one. It is not a traditional acquirer or payment gateway; instead, it connects to a company’s existing bank accounts and ERP systems, helping finance teams view real-time consolidated cash positions, build forecasting and reporting views, and manage workflows closer to Treasury/Cash Management SaaS.

Core Capabilities

Based on the available text, Fluidly’s core features include monitoring for up to multiple bank accounts, one or more ERP connections, real-time cash positions, liquidity forecasting based on invoices and Holt-Winters, FX exposure monitoring, composable shared dashboards, and balance/threshold alerts. The Business plan also adds spending-limit reminders for employee cardholders, automatic notifications when limits are approached, priority support, and an uptime commitment. A key emphasis is that there is “no AI black box”: every number can be traced back to bank transactions or ERP entries.

Pricing and Business Model

Fluidly supports viewing prices in SEK/EUR/NOK/DKK. Essential covers up to 3 bank accounts and 1 ERP connection. Business builds on this by supporting more than 4 bank accounts; 3 are included by default, with an additional 450 SEK charged per extra account, and it also supports multiple ERPs. Accounting firms have partner pricing, with discounts based on the corresponding client plan, plus white labeling, priority partner support, and consolidated billing. All prices exclude VAT and there is no setup fee, but the captured content does not show the full monthly or annual fees.

Pros and Cons

Its strengths are a focused use case and a good fit for replacing manual Monday-morning cash flow spreadsheets. The product is designed around Nordic banks, ERPs, currencies, and reporting requirements. The founding team has experience in large-scale SEK banking system architecture, backend engineering, and service design. The downsides are also clear: Fluidly 2.0 is still at an early stage, and public materials do not disclose financial licenses, compliance certifications, API documentation, security architecture, the specific supported banks/ERPs, or any payment or settlement capabilities.

Who It’s For and Access from China

Fluidly is better suited to finance teams at Nordic SMEs, growing companies with multiple bank accounts, accounting firms offering white-label services, and customers that need customized treasury management or credit-risk views. If a Chinese company only needs collections, cross-border payments, or local fund settlement, Fluidly is not a direct substitute; alternatives to consider include Kyriba, Agicap, Trovata, CashAnalytics, or the cash management modules built into ERP systems. The available text does not provide information on access from mainland China, so its status is unknown.