Real-time transaction monitoring

Know the moment
your money moves

Floo watches your business bank accounts around the clock and alerts you within 60 seconds the moment anything suspicious happens — before the money is gone.

No setup fee  ·  30-minute onboarding  ·  Cancel any time

floo Monitoring live
Today
18
Alerts
2
Risk
32
Live feed
Staff Payroll–₦3.2M12
Client Payment+₦5M5
Office Supplies NG–₦85K44
70M
lost by a single Nigerian company before anyone even noticed it was happening
2–5%
of annual revenue lost to internal fraud by affected businesses — every year
<60s
from the moment a suspicious transaction hits your account to your WhatsApp alert
30min
to go from zero to fully protected — no IT team, no technical skills needed
The problem

Your bank tells you after.
We tell you now.

Nigerian banks send basic alerts. They don't catch patterns. They don't flag your first-time beneficiaries. They don't call you at 2am when ₦4M leaves your account to an account you've never paid before.

01
Fraud is always discovered too late
Most businesses find out when reviewing monthly bank statements — weeks after the money is long gone and near-impossible to recover.
02
Internal fraud is completely invisible
Staff, accountants, and trusted partners exploit their access slowly. Banks can't see this. Only a monitoring layer inside your own business can.
03
No tools exist for regular businesses
Enterprise fraud software costs thousands of dollars a month and requires a compliance team. Floo is the first tool built for the other 7.4 million Nigerian SMEs.

"A company discovered that ₦70 million had been quietly taken from their accounts over time. Nobody knew it was happening. They only found out when a director sat down to review statements — weeks later."

₦70M
gone before a single alert was triggered
Features

Everything your bank
forgot to build

Eight intelligent monitoring rules. One dashboard. Instant multi-channel alerts. Floo is the security layer sitting between your business and financial disaster.

Real-time alerts

Every transaction hits your WhatsApp, SMS, and email the moment it is parsed — typically within 60 seconds. You know before you even open your banking app.

🔍

Structuring detection

Automatically catches when money is broken into smaller similar chunks to avoid detection — the most common internal fraud pattern.

👥

New beneficiary alerts

Every first-time payment to a new account is flagged instantly, no matter the amount.

🕐

After-hours monitoring

Transactions outside your set business hours trigger immediate high-priority alerts.

⚙️

Your rules, your way

Set your own daily limits, velocity thresholds, and amount caps. Every business is different — your rules should reflect that.

📊

Risk scoring engine

Every transaction is scored 0–100 based on the rules it triggers. Scores stack and compound. Green is safe. Amber needs review. Red means act now — and we'll tell you exactly why.

How it works

Up and running
in 30 minutes

No IT team. No bank integration forms. No technical setup. Just connect your bank alert email and Floo starts watching immediately.

1
Connect your bank alert inbox
Grant read-only access to the email address your bank sends alerts to. We never see your banking password or credentials.
2
Configure your rules
Set your daily limit, amount threshold, and business hours. Our defaults work for most businesses — just adjust where needed.
3
We analyse every transaction
Every bank alert email is parsed, scored against your rules, and checked for suspicious patterns the moment it arrives.
4
You're alerted within seconds
WhatsApp first, SMS as backup, email always. You know within 60 seconds — before the money can go any further.
Floo processing pipeline Live
📧
Email inbox connected
Read-only · OAuth 2.0 · encrypted
🔤
Bank alert parsed
Amount, time, beneficiary extracted
⚖️
Rules engine evaluated
8 rules checked · risk score calculated
🔴
Alert dispatched — Score 87
WhatsApp · SMS · Email · 14 seconds
!
WhatsApp sent to owner
"🔴 HIGH RISK — ₦4,500,000 debited · First-time beneficiary · 2:17am · Score 87/100"
Pricing

Simple pricing.
No surprises.

Cancel any time. No setup fee. No long-term contracts. The cost of one month of Floo is less than 0.01% of what a single fraud incident could cost you.

Starter
15,000
per month · billed monthly
  • 1 bank account monitored
  • WhatsApp + SMS alerts
  • 8 intelligent rules
  • 2 dashboard users
  • Weekly risk summary
  • Email support
Get started
Enterprise
Custom
bespoke pricing · talk to us
  • Unlimited bank accounts
  • All alert channels
  • Unlimited custom rules
  • Unlimited users + roles
  • Custom reports + exports
  • API access
  • Dedicated account manager
Talk to us
Why businesses choose Floo

Built for the reality
of Nigerian business

"Our accountant was moving money in small amounts every week — ₦45k, ₦48k, ₦50k. None of it triggered our bank's alerts. Floo would have caught the structuring pattern within hours of it starting."

AO
Adebayo Okonkwo
Managing Director, Lagos manufacturing company

"We manage fifteen accounts across multiple banks. One dashboard watching all of them — and a WhatsApp message within a minute of anything unusual — is exactly what we have needed for years."

NK
Ngozi Kalu
Finance Director, Abuja logistics firm

"Churches handle large sums and our finance committee only meets monthly. We had zero visibility between meetings. Now I know about every transaction within a minute — including the ones that happen at 2am on Sundays."

TF
Pastor Taiwo Fashola
Senior Pastor, Lagos

"As school bursar I process hundreds of transactions monthly. Before Floo I spent hours reconciling statements to catch problems after the fact. Now I get a daily summary every morning and an immediate alert for anything unusual."

BI
Blessing Igwe
School Bursar, Port Harcourt
Start today

Your money is moving
right now. Do you know where?

Set up Floo in 30 minutes. Get your first month protected. Cancel any time.

No setup fee · 30-minute onboarding · Works with all major Nigerian banks · Cancel any time
Contact us

Get in touch

Questions about Floo? Want a personal demo for your team? We respond within 2 hours during business hours.