View
9:41
FLIN · India
Know all your money. Keep more of it.
Who's exploring today?
Choose how to explore FLIN
FLIN launches as a read-only, non-custodial clarity layer. It never moves or holds your money, never lends, and never sells data. Figures shown are illustrative.
9:41
9:41
Vision preview — future roadmap, not available at launch.

Today

Your daily discipline loop
Day 4 of 7Travel goal · Week 3
12day streak
You stayed on track yesterday.
You've unlocked 3.5% of your 7% reward.
Miss tomorrow and you lose it — the last days release the most.
Daily action · +₹ bonus

Will you keep food delivery under ₹200 today?

A tiny bet with yourself. Guess right and earn a bonus — verified from tomorrow's settled spend.

₹1,240
Safe to spend
720
Trust Score
₹2,340
Reward value
This week's pace
Food delivery₹1,240
Groceries₹1,850
Travel₹640

Goals

Save on what you're disciplined about
✈️ Travel · Week 3Active
Stretch tier · stay under ₹850
Day 4 of 7 · 1-week horizon
7%
reward
3.5% unlockedReward expires in 14 days
Reward at Myntra · your choice, unrelated to travel
🛒 GroceriesInstant
You're already disciplined here
History is the proof — no streak needed
₹150
promo code
Reward at bigbasket

Money

Every rupee, sorted into ten buckets
This month · ₹22,400 spent
Excluding rent, bills and savings
Food delivery₹4,480
Groceries₹3,580
Travel & transport₹3,140
E-commerce₹2,690
Entertainment₹1,510
Subscriptions₹899
Health · Education · Misc₹5,601
Your week-by-week rhythm
W1Bills
W2Steady
W3Travel
W4Tight
FLIN learns how your spending shifts across the month, so goals fit the week you're actually in — not a flat monthly limit.
Recent transactionsauto-tagged · correctable
🍔
Swiggy
Food delivery
−₹248
🛒
BigBasket
Groceries
−₹1,180
🚇
Metro card
Travel
−₹500
💰
Salary
Credited
+₹52,000
This year, you could have saved
₹38,600

Rewards

Partner-funded · redeem before they expire
Your FLIN vault
Money you've kept
₹38,600
in your own bank · FLIN never touches it
Spendable rewards
₹2,340
partner reward currency + codes
Rewards are redeemable only at their partner, within a date window. Unused rewards expire — nothing is owed and nothing converts to cash.
Ready to redeem
bigbasket
₹150 promo code
Expires in 7 days
Myntra
₹420 reward currency
Expires in 14 days
Zomato
Scratch card reward
Expires in 3 days
Explore partners
Swiggy
Up to 6% back
on disciplined goals
Flipkart
Up to 6% back
on disciplined goals
amazon
Up to 6% back
on disciplined goals
Nykaa
Up to 6% back
on disciplined goals

More

Credit health, Trust Score, accounts & settings
Credit health · V1
762
CIBIL · via bureau partner
Soft check — never hurts your score
Checking your score here is a soft inquiry — zero impact. Only applying for credit is a hard inquiry.
Credit-card bill due in 6 days. Pay early to earn a discipline reward — this rewards the habit, not your score.
Trust Score & tiers
720
Mass tier — everyone starts here
Discipline lifts your score. The earned trusted tier unlocks more over time — status, not shame.
Trust Score is FLIN's internal wellness-and-discipline measure — not a credit-bureau score.
Connected accounts & consent
Read-only access
Account information only — never payment initiation
Account Aggregator refresh
Consent-first read via RBI-regulated AA rails
Revoke all access
Removes all data access instantly
FLIN never asks for your banking password. Connectivity is via a regulated Account Aggregator under India's DPDP framework. FLIN never moves money and never sells data.
Settings
Appearance
Light or dark
Language
English, हिन्दी, தமிழ், മലയാളം
Surface
Mobile app or web app

The earned vision · V2

Licence-gated future — nothing here is live
Everything below is an illustrative roadmap preview. Figures are examples, nothing is actionable, and none of it is available at launch or constitutes financial advice.
₹ FLIN CoinLicence-gated
A single unified reward currency across all of FLIN — earned, held and spent in one balance.
Would require prepaid/PPI or partner-rail licensing. Not the closed-loop V1 model.
🛍️ FLIN MarketplaceLicence-gated
A full storefront — buy vouchers and flights through FLIN for accelerated rewards, UNI-Store style.
Would require commerce/settlement rails and partner agreements.
💳 Credit-linked rewardsLicence-gated
Co-branded card or credit line with spend-linked rewards — the issuer holds the credit.
Bank/NBFC co-brand partner; card-network rules.
🏦 Score-gated lendingLicence-gated
Credit to trusted-tier users via licensed lenders — never the mass tier.
RBI digital-lending regime; NBFC/lending partner.
🏢 Employer / B2BDemo
Employers offer FLIN as a financial-wellness benefit — hundreds of seats per contract. The employer sees only anonymised aggregate engagement, never individual data.
Per-seat contracts + discounted-courses perk. Separate dashboard surface.
✨ The FLIN agentNorth Star
The ten-year vision: consent-and-licence-gated orchestration of a household's whole financial life.
Full custodial/licence stack; the earned right to act.