One platform, four powerful apps
Whatever your role — customer, agent, merchant, or trader — there's a FinFlo app built for exactly what you do.
User App
Send money, pay utilities, top up airtime and data, cover school fees, save, borrow, and more — all from one wallet.
Explore User AppAgent App
Manage float, run cash-in and cash-out, earn commissions, and grow your agent business with purpose-built tools.
Explore Agent AppMerchant App
Accept payments in-store or online, track settlements, and run your day-to-day business flows from your phone.
Explore Merchant AppConverter App
Dedicated digital exchange experiences, fully aligned with platform rules and compliance requirements.
Explore Converter AppEverything your money needs, in one place
FinFlo brings together the services your customers already expect — alongside the operational tools agents and merchants need to grow.
Wallet & payments
Send and receive money instantly, pay invoices, and make donations with a secure connected wallet.
Airtime, data & bills
Top up any network and settle utility bills in seconds — no queues, no hassle.
School fees
Pay school fees directly to registered schools with clear records for every payment.
Savings & loans
Build savings and access borrowing workflows designed around how you actually earn.
Digital exchange
Compliant crypto and exchange journeys, including YEM trades through vetted OTC agents.
Trust & transparency
Public policies, a transparency statement, and support that answers.
Up and running in three steps
From download to your first transaction in minutes.
Download & sign up
Grab the app for your role, create an account with your phone number, and set your PIN.
Verify your account
Complete a quick verification so your account stays secure and fully unlocked.
Start transacting
Fund your wallet and start sending, paying, trading, or serving customers right away.
Become a FinFlo OTC Agent
Earn a commission on every YEM trade you complete, trade in any currency, and be the first agent in your country. FinFlo is now open to anyone.
Get the apps
Install the right FinFlo app for your role. Store links and APKs are shown when configured for your environment.