Every feature, one platform.
From the Fluvius AI Mediator to the live cash dashboard — every capability is built around one idea: your payables should earn, not bleed.
Run AP like a profit engine.
You stay in control. The Fluvius AI Mediator handles the negotiations. Every early settlement earns you yield. Your payables become a balance-sheet asset.
Payment Agreements
You create the agreements with your suppliers — amount, maturity, terms. Nothing happens without your approval. The terms, the maturity, and the decisions stay yours.
Yield on AP
You always earn yield on early settlements. How much depends on who funds the liquidity — you, the platform, or a connected credit provider. Either way, AP stops being a cost line.
Digital credit facility, built from your own AP
Stop applying for facilities you don't need. Your existing payables become spendable credit — liquidity hiding in plain sight on your balance sheet.
Live AP Dashboard
Cash position, payment agreements in motion, yield earned this month, upcoming maturities, mediator-negotiated discounts. One view. Everything you need to run AP as a profit engine.
Get paid the way you actually need.
Wait and get paid on maturity — no account required. Or use the payment agreement to pay your own suppliers on day one. Or cash out early through the Fluvius AI Mediator at a fair rate.
Zero Onboarding
Suppliers can simply wait and receive funds in their bank on the maturity date — no Fluvius account, no sign-up, no friction. Frictionless adoption from day one.
Supply Chain Liquidity
Suppliers can use a payment agreement to pay their own suppliers on day one — in full, in part, or split across many suppliers. Payment agreements are fully divisible, so one agreement can unlock liquidity all the way down a supply chain.
Early Cash-out
Need cash sooner? Offer your buyer an early-payment discount and settle early — for the full agreement or just the slice you need. The Fluvius AI Mediator handles the discount negotiation from inside the platform. No credit facility, no paperwork, no waiting.
A sophisticated AI system, made simple.
Continuous credit scoring, FX hedging at creation, immutable audit trail, multi-currency, multi-entity. Complex operations running underneath a clean approval-by-click experience.
Fluvius AI Mediator
An independent, LLM-powered agent that negotiates terms with your counterparties — interest, maturity, discounts, advances — inside the platform. Fair to both sides. You approve the outcome.
Credit Scoring
Every counterparty is continuously assessed. The risk profile of every payment agreement is priced accurately and transparently — no black boxes, no surprises.
Built-in FX Hedging
Cross-border invoices are automatically hedged at creation, so you know exactly what you'll pay and what you'll receive — even months out.
Immutable Double-Entry Ledger
Every transaction is recorded in a permanent, auditable double-entry ledger. Records are never modified — corrections happen through reversing entries, so your finance team gets a clean, complete audit trail for free.
Multi-currency & Multi-entity
GBP, EUR, USD, and more. Multiple companies, multiple teams, role-based controls. Built for how modern businesses actually operate.
Banking Integration
Fluvius plugs into your existing banking and payment rails. Keep what works — let the AI Mediator handle the rest.