Give every naira a job before it arrives
Credafi Flow routes your income into purpose-built wallets the moment it lands — rent, utilities, savings, emergency buffer — using rules you write and can change any time.
No real money movement in this phase. All figures are seeded demo data.
Central Wallet
₦412,500
Illustrative demo data — no real funds move in this phase.
AI insight preview
"Two upcoming payments are short this cycle. Raising your Rent rule to 38% closes the gap without touching savings."
You control every mandate
Rules are transparent, editable and reversible. Nothing is deducted without your explicit instruction.
Built for the way income actually lands
Salary, invoices or rent collections — Credafi Flow allocates first so the rest of the month is simpler.
Purpose wallets
Rent, utilities, groceries, transport, subscriptions, savings, emergency — or your own categories, each with a target and priority.
Allocation rules
Fixed amounts, percentages or priority order. Add minimum-balance protection and a fallback wallet for tight months.
Safe-to-spend
See what is genuinely free to spend after every upcoming bill is reserved — not just your account balance.
Upcoming payments
Track what is due, which wallet covers it, and whether it is funded or short before the debit date.
Cash-flow overview
Compare income against what actually got allocated across cycles, so drift is visible early.
Mandates you control
Every rule is visible, editable and reversible. Nothing runs that you have not explicitly approved.
How it works
Link a funding account
Choose the account your salary or invoices land in. Phase 1 uses a mock connection only.
Create purpose wallets
Set a target, priority and allocation share for each job your money has to do.
Write your rules
Decide how each inflow splits — fixed, percentage or priority — and simulate before you commit.
Watch it allocate
Income lands in the Central Wallet and flows out to each purpose wallet automatically.
Frequently asked
Start allocating before payday
Explore the full Credafi Flow experience with realistic demo data — wallets, rules, simulations and insights.
Build my allocation plan