A statement is an input, not the full financial picture.
Structured transactions and added information. Period, balances and coverage determine which conclusions are justified.
FLOW Intelligence.
From data to responsible action.
Financial decisions need more than a chart. They need clear data sources, explained priorities, control over actions and an honest assessment of change.
This page explains the FLOW method. It is not an offer of a ready-made banking API or an announcement of partnerships.
Five connected layers.
Context before recommendations.
Income, spending, recurring costs, liabilities and available reserves. Missing information cannot be replaced with a confident claim.
A suggested priority with an explanation.
The order considers available data, estimated impact, urgency and the effort involved. It is a proposal to assess, not a universally optimal decision.
The person remains responsible for the action.
Guidance, drafting a cancellation notice and recording a decision. FLOW does not send a cancellation notice to a provider or move money on the user’s behalf.
An observed change does not prove its cause.
Comparing baseline and newer data makes sense with suitable periods and coverage. An absent payment alone does not confirm a cancellation or savings caused by FLOW.
What is supported by evidence. What still needs checking.
A working public entry point
The public app preview calculates an overview from illustrative transactions and shows the period and coverage limits. It does not require a bank connection.
View the app entry point ↗Implemented in the product
Financial situation calculations, recommendation ordering, user decision status, cancellation drafting and metric comparisons are implemented in the source code. This audit did not verify their operation in an authenticated production account.
Open for an integration proposal
Partner APIs, contractual coverage, operational SLAs and validation on representative data are not presented here as a finished offering. Each integration needs a separate assessment.
No blanket claim that “everything stays in the EU”.
Structured statements load in the browser. Saving to an account is a separate step. Optional external reading of PDFs or photos, and chat, use Anthropic in the USA. An integration proposal needs an assessment of processing purposes, consent, infrastructure and data retention terms.
Data processing and protection ↗A professional discussionFirst, the use case.
First, the use case.
Then, scope and evidence.
For partner use, let’s start with a specific problem, the data needed and how to verify the result.
hello@vestelonflow.com ↗