Welcome to flow

👋 Hey everyone — I’m Mark.

I’m a first-time founder building something I've wanted in my own life for years:

🌊 Flow — a money app that doesn’t feel like a bank.
Because you’re not a customer. You are the bank.

💡 What Flow Does

Flow gives people full control of their financial life with features like:

• Free banking tools — so everyone gets access, always

• AI saving spaces — “Can I save £300 in 6 weeks?” = Flow tells you how

• Ethical, trust-based borrowing — borrow small amounts from a community pool at 0–5%, not 39% overdraft fees

• Gamified levels + real-life rewards — unlock app themes and turn Flow Points into things you actually care about (like flight credits, game credits, or gym discounts)

• Optional giving that gives back — donate £1/mo to our built-in charity “Raise a Million”, and you get rewarded too

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🌍 Why This Matters

Money affects mental health.
Money affects opportunity.
Money affects how people feel about themselves.

So Flow isn’t just another fintech app — it’s designed to make money feel human, ethical, and supportive.
Not gamed. Not judged. Not confusing.

📱 What I’ve Done So Far

• Created first mockup using Lovable AI

• Built a working concept for Flow's onboarding, rewards, and AI queries

• Posting progress publicly to build momentum and find collaborators

• Just bought the domain: flowmoneyapp.com

• Launched the vision and logo across LinkedIn and Figma drafts

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👀 What I’m Looking For

I’d love your thoughts, advice, or even collaboration if you have:

• Built apps using Open Banking APIs (UK or EU)

• Experience in ethical lending, gamification, or fintech UX

• A passion for helping people feel empowered around money

• Ideas for feedback, features, or red flags as I shape the MVP

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🙏 Thanks for reading — I’m new here and excited to meet other builders.

Let’s build in flow.

— Mark 🧠💙
Founder | Flow
flowmoneyapp.com (coming soon)

🔧 Tags to Use:

• #fintech

• #buildinpublic

• #showih

• #startup

• #ai

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