Question 1

How does Flowna help me see where my money goes?

Accepted Answer

Flowna's Insights dashboard breaks down every expense by category — food, transport, rent, school fees, family, data — and shows you which category eats the biggest share each week. On the income side it groups every earning by source so you know exactly which job, hustle or client pays the bills. Everything is updated automatically as you log.

Question 2

What is the Flowna Card?

Accepted Answer

Every Flowna user gets a free public business card with a unique QR code. Anyone scans the QR — they instantly see your name, role, photo, socials and one-tap Save-to-Contacts. No typing, no paper cards, no awkward exchanges. Customise once, share anywhere.

Question 3

Can I track live markets inside Flowna?

Accepted Answer

Yes. Flowna Markets is a daily live dashboard covering gold, S&P 500, Bitcoin and Brent oil with plain-English status pills, 30-day sparklines, and the inflation-adjusted real return in your local currency (Naira, Cedi, Shilling or Rand). Premium adds status-flip alerts when an asset moves into a more actionable state.

Question 4

Is Flowna free?

Accepted Answer

Yes. Every new account starts with a 14-day Premium trial — full features, no card required. After day 14 you stay on Free mode (Stability Spend, Buffer, Stability Score, Buddy chat + verdict, 1 active goal, 10 voice logs/month). Premium (around US$4.99/month or US$49.99/year) unlocks unlimited voice and photo logs, personalised Buddy rationales, the Markets brief, unlimited goals, and your Spending Tone control. Students get 50% off with a school-email.

Question 5

What is Buddy?

Accepted Answer

Buddy is Flowna's unified AI sidekick. Two features in one: (1) a pre-purchase verdict — type any amount, get a green / yellow / red answer in one second checked against your Safe-Spend, buffer and goals; (2) a money chat — ask anything in plain English, grounded in your last 30 days. Buddy never recommends loans, gambling, or get-rich schemes.

Question 6

Which countries does Flowna work in?

Accepted Answer

Flowna is fully populated for Nigeria, Kenya, Ghana and South Africa today — that means local PAYE tax bands, statutory minimum wage signals, live inflation from the World Bank, and country-specific expense categories. Sign up from anywhere else and Flowna uses sensible global defaults; we add new country profiles in under a day on request.

Question 7

Is Flowna a bank or a wallet?

Accepted Answer

No. Flowna is a financial-planning tool — it helps you make sense of your money. Your funds stay in your bank, mobile-money wallet, or pocket. We never take custody, never lend, and we don't give professional financial advice.

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