Flux

Flux is a mobile financial app for individuals who need cross-border money transfers, local payments, virtual cards for online spending, and crypto investing in one place.

Key capabilities include:

• Cross-border send and receive: Send and receive money instantly across 40+ countries using mobile money or a Flux wallet, supporting peer-to-peer transfers across markets including Kenya, Ghana, South Africa, and Egypt.
• Virtual dollar cards for online purchases: Create virtual dollar cards for shopping and subscriptions, with controls to freeze, unfreeze, or terminate cards when needed.
• Free local transfers: Make unlimited free transfers to local bank accounts and other Flux users, with no account maintenance charges and no hidden fees stated for local transfers.
• Crypto and FX savings options: Buy 90+ cryptocurrencies, or store cash in dollars or euros for a fixed duration until maturity.

Available on Web (https://dashboard.iflux.app/).

Target audience: B2C, individuals managing day-to-day transactions such as sending money to peers, paying bills (internet, cable TV, electricity), and purchasing airtime.

Notable for African users who need cross-border transfers and online spending tools alongside local payments, plus an added security layer through partnerships with fully licensed payment service providers.