Fintech · Treasury, cards & payments

Florin

One finance stack. Platform, cards and pocket.

Treasury, spend and payments for European finance teams, designed across every surface: the platform they run the numbers on, the app they approve from, the card they hand to the team, and the tools it all plugs into.

Scope

Product design · web, iOS, card, integrations

Surfaces

Platform · mobile · card · API

Year

2026

Sector

EU multi-entity finance

Overview

7d30d90dYTD

Total balance · all entities

€1,783,563.44▲ 4.6%

Available to spend

€1,404,120.10

Money in · 30d

€512,400

▲ 8.2%

Money out · 30d

€388,120

▼ 3.1%

Net · 30d

€124,280

▲ 14.0%

Runway

18 mo

at current burn

Cash flowEUR · converted

InOut

Wk 1Wk 2Wk 3Wk 4Now

Accounts3 · 3 currencies

EUR

Main operating

DE89 3704 0044 0532 01

€1,284,905

USD

US revenue

•••• 4471 · SVB

$402,118

GBP

UK reserve

•••• 8820 · Wise

£96,540

RecentView all

Stripe payout

SWIFT · today

+€48,900

Adyen B.V.

SEPA · today

−€12,480

The problem

Finance lives in five places

The money is in the banking portal, the spend is on someone's personal card, the approvals are in Slack, and the truth is in a spreadsheet that's already out of date.

Finance teams don't need another dashboard. They need one place that reaches everywhere the money does — desk, phone, card, and the tools around them.

The approach

I designed Florin as one product across four surfaces. The platform for the full picture, the app for approving on the move, physical and virtual cards for spend at source, and integrations so the ledger stays true without anyone re-keying it.

The through-line was a single system — same money, same controls, same audit trail — whether you're at a desk in Berlin or approving a wire from a taxi.

The outcome

A finance stack that fits how a team actually works, not how a bank's IT department drew it. Controls follow the money onto the card and into the app; the books reconcile themselves through the integrations.

On a fictional pilot, six banking logins and three tools collapsed into one, and month-end went from days to hours.

On the moveapprove a wire, freeze a card, check the position — from a phone

9:41

Northwind

Available to spend

€1,404,120

Send

Request

Cards

Today

Stripe payout

SWIFT · 12:04

+€48,900

Adyen B.V.

SEPA · 09:22

−€12,480

AWS EMEA

needs approval

−€8,315

Vercel Inc.

Card · 08:10

−$1,204

Home

Payments

Cards

Approvals

9:41

Card

FLORIN

•••• •••• •••• 4471

T ROBINSONVIRTUAL

Freeze card

Instantly block spend

Online payments

Allowed

Monthly limit

€3,240 of €5,000 used

€5,000

€3,240 spent65%

Home

Payments

Cards

Approvals

9:41

Approval

AWS EMEA · new payee

−€8,315.42

SEPA · Northwind Ltd

Requested byJ. Kaur

Policynew counterparty

IBANverified ✓

First payment to this payee. Sign-off required before send.

Approval chain

You · Opsapproving now

ThenE. Muller · CFO

Home

Payments

Cards

Approvals

From platform to pocketphysical and virtual cards, with the same controls that live in the ledger

FLORIN

•••• •••• •••• 4471

T RobinsonMetal · 07/29

Controls on every card

The limit, the categories and the freeze switch aren't a separate admin tool. They're the same policy engine that governs a wire.

Freeze

Block all spend instantly

Category rules

Software · Travel · Ads

3 allowed

Single-use virtuals

One card per vendor

Monthly limit

€5,000

€3,240 spent this month65%

Fits the finance stackaccounting, HR and comms — so the books stay true without re-keying

Integrations

Connect Florin to the tools your finance stack already runs on.

Accounting · 3 connected

DATEV

German accounting export

Connected

Xero

Sync ledgers & bills

Connected

QuickBooks

Two-way reconciliation

Connected

NetSuite

ERP posting rules

Connect

People & comms

Slack

Approvals in channel

Connected

Personio

Payroll & people data

Connect

Stripe

Revenue & payouts

Connected

Build your own

{ }

REST API & webhooks

Events for every money movement

Docs

Zapier

No-code automations

Connect

One decision, in contextan approval request raised over the ledger it came from

Date	Counterparty	Entity	Method	Amount	Status
10 Jul	STStripe payout	Northwind GmbH	SWIFT	+€48,900.00	completed
10 Jul	ADAdyen B.V.	Northwind GmbH	SEPA	−€12,480.00	completed
10 Jul	AWAWS EMEA	Northwind Ltd	SEPA	−€8,315.42	needs approval
09 Jul	PYPayroll · July	All entities	SEPA batch	−€96,200.00	scheduled
09 Jul	VCVercel Inc.	Northwind Inc	Card	−$1,204.00	completed
08 Jul	FGFigma Inc.	Northwind Inc	Card	−$1,080.00	completed
08 Jul	NONotion Labs	Northwind Inc	Card	−$240.00	completed
07 Jul	GHGitHub Inc.	Northwind Inc	Card	−$840.00	completed

AWS EMEA

pay_7802 · new payee

−€8,315.42

SEPA · Northwind Ltd · today

Requested byJ. Kaur

Reasonfirst payment to payee

Policynew counterparty

First payment to this counterparty. IBAN verified against the invoice, but sign-off is required before send.

Case study 02 of a series.

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