Approval-first AI cash-flow copilot for Italian companies

Your finances, understood. Every payment, approved.

Flusso ingests your SDI invoices, reconciles your bank, forecasts your cash, and lets an AI copilot propose the next move — while a human approves every action and fraud is caught before money leaves.

Built for FatturaPA (SDI) and PSD2 open banking. No money ever moves without a human sign-off.

Cash balance
€128,400
To collect
€41,220
Skonto saved
€2,180
Runway
58 days

Works with the tools you already use

Fatture in CloudTeamSystemXeroTinkfinAPIStripe
Platform

One copilot for the whole cash cycle

Money in and money out — ingested, reconciled, forecast, and protected. You stay in control of every decision.

Approval-first AI copilot

Ask questions across your finances and get straight answers. The copilot proposes actions and pulls specifics on demand — invoices, transactions, vendors — but a human approves every move. It never touches money on its own.

Anti-fraud vendor security

Every supplier IBAN is fingerprinted. The moment bank details change on an invoice, Flusso flags it as possible redirection fraud and blocks the payment until you verify.

Payment approvals (maker-checker)

Payments over your threshold require a second approver, with a full audit trail of who requested and who signed off.

SDI e-invoice ingestion

FatturaPA invoices are pulled from SDI and parsed automatically — IBAN, VAT, totals, due dates, and attachments included.

Bank reconciliation via PSD2

Connect your bank through Tink or finAPI and auto-match deposits and payments to the right invoices by amount, date, and remittance.

Cash-flow forecast & reserve alerts

A rolling forecast from your real balance, receivables, and upcoming bills — with an alert the day you'd dip below your safe reserve.

VAT liquidation, in the forecast

Liquidazione IVA is folded straight into your projections, so the tax you owe never comes as a surprise.

Skonto discount capture

Get told exactly when paying early saves money — balance-aware, so you only take the discount when you can afford it.

Collections & dunning

Automatic, escalating reminders chase what you're owed — localized to each debtor's language.

Integrations & multi-currency

Works with Fatture in Cloud, TeamSystem, and Xero, with consolidated multi-currency reporting across entities.

How it works

Live in three steps

Connect once, then let Flusso keep your books current and your cash forecast honest.

Step 1

Connect invoices & bank

Delegate your SDI e-invoices and link your bank via PSD2. One-time setup, then it stays in sync.

Step 2

Reconcile & forecast

Flusso matches payments to invoices, captures Skonto, and builds a rolling cash-flow forecast automatically.

Step 3

Ask the copilot, act with approval

Ask questions, review proposed actions, and approve the ones you want. Nothing moves without your sign-off.

Security & trust

Safety built into every step

Flusso is approval-first: it can propose, retrieve, and reconcile, but it never moves money on its own. Vendor bank details are fingerprinted so invoice-redirection fraud is caught before a payment goes out.

Tenant isolation

Every company's data is strictly separated at the data layer.

Encrypted end to end

Data is encrypted in transit and at rest.

GDPR-ready

EU data handling with a 30-day deletion policy on request.

Approval-first by design

No unattended money movement — a human signs off on every payment.

Pricing

Simple, transparent pricing

Start free. Upgrade when you connect your bank and SDI. Corporate for groups with multiple entities.

Free

€0
  • Manual invoice upload
  • Mock bank feed
  • 1 company, up to 2 members

Pro

Most popular
€149 / mo
  • Automatic SDI invoice ingestion
  • Live bank reconciliation (PSD2)
  • Skonto alerts + 60-day forecast
  • Unlimited members

Corporate

Groups
€449 / mo
  • Everything in Pro
  • Multiple bank connections
  • Multiple entities (partite IVA) + consolidated
  • Governance: audit log, roles, SSO
  • API access + priority support

Prices exclude VAT. Cancel anytime.

Put your cash flow on a copilot you can trust.

Set up your company in minutes. Flusso reconciles, forecasts, and proposes — you approve.