SarvFlow · Personal financial intelligence
Money that understands your life.
SarvFlow connects the context around your money — your spending, your sleep, the weather, where you are and how your week is going — so your next decision can be calmer, clearer and more useful.
01 — The idea
Your bank sees transactions. SarvFlow sees the life around them.
Most finance products organise the past. SarvFlow is being built to understand the conditions behind financial behaviour — and help shape what happens next. Not another dashboard. Not another lecture. A personal intelligence layer that notices patterns, explains them clearly, and leaves every decision with you.
Patterns, not just purchases
A takeaway is never just a takeaway. SarvFlow looks at what was happening around it — a short night, a long commute, a difficult week — because that is where change becomes possible.
One next move
No red dashboards, no guilt. One timely, explainable suggestion you can accept, change or ignore. Silence and dismissal are valid answers.
Private by architecture
Built on Sarv Edge, our on-device intelligence approach: analysis moves towards your data, not the other way round. Your life does not become somebody else's dataset.
02 — The signals
The patterns ordinary budgeting misses.
SarvFlow combines the signals you choose to share. Each one is permissioned separately, explained plainly, and can be switched off at any time. Status labels are literal: they describe what exists today.
Open banking
Spending, income rhythm and commitments from accounts you choose to connect. Bank connectivity is being built — we do not have it yet, and we will say so until we do.
Health & rest
Optional signals like sleep and routine changes — because expensive days often start the night before. You decide if this is ever switched on.
Weather & season
Rainy weeks, dark months and heatwaves genuinely change how people spend, move and cope. Public signals like weather need no personal data at all.
Location & routine
Coarse patterns — not a map of your life. Enough to notice that routine shifts often precede spending shifts, and nothing more.
Your goals
The anchor for everything. A suggestion only makes sense against something you actually want — a buffer, a trip, a calmer month.
Nothing you didn't choose
No scraping, no shadow profiles, no data brokerage. If a signal is not clearly useful to you, SarvFlow should not have it.
03 — What it feels like
Nudges you'd actually welcome.
Every SarvFlow suggestion follows the Nudge Canon: relevant, timely, small, transparent and respectful. Each one shows the signal behind it — and each one can be dismissed forever.
SarvFlow noticed
Short-sleep days are often followed by more convenience spending. Tomorrow looks similar — want to set a £12 cap before it starts?
Why you're seeing this: your sleep and spending pattern over the last 6 weeks. Your move: accept, adjust, or tap “stop noticing this”.
SarvFlow noticed
Payday is Thursday. Moving £40 on Thursday morning is 3× more likely to stick than a monthly transfer you've tried before.
Why you're seeing this: your income rhythm and two lapsed savings rules. Your move: one tap to schedule it, or ignore.
SarvFlow noticed
A cold, wet week is forecast — your delivery spending usually climbs in weeks like this. Fancy planning one proper shop instead?
Why you're seeing this: local weather forecast plus your past pattern. Your move: entirely yours.
04 — Privacy
Personal enough to be useful. Private enough to trust.
The more personal the signals, the stronger the privacy has to be. SarvFlow is built on Sarv Edge — the principle that intelligence should sit closer to the person it serves.
- On-device first: analysis runs on your phone wherever practical
- Granular permissions: every signal separately switchable
- No selling personal data. Ever. It is not the business model
- Cohort-only insights for organisations — never individuals
The Sarv family
SarvFlow
Personal financial intelligence — this site. The product people live with.
Sarv Edge
The on-device intelligence layer underneath SarvFlow. How Edge works →
Sarv Grid & Vault
Trusted, verifiable distributed AI compute — our sister venture. Visit sarvflow.ai →
05 — For organisations
Two ways to work with SarvFlow. Zero access to anyone's personal life.
SarvFlow reaches people through the organisations already in their lives — and offers brands a way to understand behaviour without ever buying personal data.
Partners — B2B2C
Employers, banks, insurers and benefits providers sponsor SarvFlow for their people. Users get the full private product, free. Organisations get cohort-level insight — aggregated, thresholded, and never individual.
For partners →CPG brands
Understand how life context — weather, paydays, routines — shapes category behaviour through consented cohort research. And sponsor clearly-labelled, user-first nudges that have to pass the Nudge Canon.
For CPG brands →06 — Status, honestly
A concept becoming a product.
SarvFlow is in active development. The design principles, the privacy architecture and the research library are real and public. Bank connectivity and on-device models are in engineering, not in your hands yet. We would rather show you the roadmap than sell you the fantasy — every capability on this site is labelled with what exists today.
Money that understands your life.
Help shape a calmer, more useful kind of financial intelligence. Join the early access list for meaningful product updates and an invitation when we are ready.