Starts with your context
Personal, 1099, restaurant, logistics, e-commerce, real estate and service businesses begin with different questions and categories.
BLACKMONTFLOW
Every deposit.
A decision made clear.
Flow turns incoming money into an editable plan built for your obligations, goals and operating reality. The current private beta prepares and records decisions; it does not move money.
Not another generic dashboard.
Flow changes its planning structure around the profile and priorities you provide.
Builds an editable model
Deterministic rules combine your profile, goals and current inputs into exact-cent allocations you can inspect and change.
Preserves the evidence
Flow records the source, model version, confidence inputs and your approved corrections. Automated learning is not active in the private beta.
THE MOMENT FLOW OWNS$5,000 received.
$5,000 received.
Here is the plan.
Flow answers the question that begins when income lands: what is reserved, what is safe to use and what needs your attention now?
Customer settlement · Operating •4821
Tax reserve $1,10022%Operations $1,40028%Owner pay $1,25025%Other 3 destinations $1,25025%
DEPTH BEFORE BREADTH
Built around how you actually earn.
Flow does not rename the same budget for every customer. Questions, reserves, alerts and recommendations change with the operating model.
Every settlement meets the road ahead.
Fuel, insurance, driver pay, maintenance, truck payments, taxes, downtime reserve and owner profit—modeled together, not as generic spending categories.
Fuel trend ↑ 4.2%Maintenance reserve 11%Downtime coverage 2.8 mo
A recommendation with evidence.
“Maintenance moved from 8% to 11% because repair expenses rose across the last three months.”
In a connected-data model, Flow should show the source, confidence inputs and impact. Today’s beta records explicit corrections; it does not train an automated learning model.
Keep your bank.
Connect the accounts you already use. Flow unifies context and prepares the decision without requiring a new primary bank.
Upgrade how your money operates.From signal to decision.
Never from AI to autopilot.
Observe
Flow recognizes eligible income and the context around it.
Model
Your profile, rules and goals shape an exact-cent allocation.
Review
You can inspect, edit or cancel the prepared instruction.
Confirm
Only your express approval creates an auditable confirmation.
Calculated by intelligence.
Approved by you.
Flow plans, explains and prepares. You review, edit and approve. No autonomous transfers and no hidden action.
PRIVATE BY DESIGN
Security is part of the product.
Identity-bound access, isolated provider credentials, short-lived sessions and an explicit approval boundary protect every sensitive step.
Identity-bound access
Secure enrollment with optional Face ID or Touch ID unlock on supported devices.
Approval boundary
Flow may prepare an instruction. It cannot move money without your express confirmation.
Auditable by design
Exact-cent calculations, idempotent requests and confirmation records make sensitive actions traceable.
PRIVATE BETA OPERATING STANDARD
Trust begins with saying exactly what is real.
Flow is currently a decision and planning system in private beta. Provider simulations stay visibly separated from production behavior.
Planning, not custody
Flow prepares an editable instruction. It does not hold funds or move money autonomously.
USER APPROVAL REQUIREDConnected-data testing
Bank connectivity is evaluated with Plaid Sandbox data while freshness, provenance and reconciliation are validated.
SANDBOXPayments isolated
Membership pricing remains indicative and billing stays in test mode until the commercial account is verified.
TEST MODEVisible evidence
Every sensitive recommendation should identify its source, rationale, status and confirmation history.
Open Trust Center →THE FIRST 100
A private beta with a human standard.
Early customers should not be left alone with a generic setup. The product and the operating team learn together.
Guided setup
A focused session maps income, obligations and operating priorities.
Personal model
Flow creates an editable starting model for the customer’s real context.
Seven-day review
We examine what changed, what felt unclear and what the model missed.
Value report
A concise monthly record shows decisions prepared, time saved and exceptions found.
Choose the level built for you.
Indicative private-beta pricing. Plans, availability and commercial terms may change before public release.
Trial
14 daysComplete first financial setup
Personal
$14.99/moPersonal and independent cash planning
Business
$49/moIndustry intelligence and team access
Business Pro
$99/moAdvanced controls across multiple businesses