Flominzo
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About Flominzo

Money should move. The proof should follow.

Flominzo is an agentic payment operating system. It brings payment execution and financial assurance together, from the first instruction to explainable financial closure.

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Our mission

Turn every payment intent into financial closure, across any platform.

  • Accept any payment
  • Route it anywhere
  • Reconcile everything

Built around the whole payment

A successful API response is only one part of a payment. Finance and operations teams also need to know what the partner executed, what settled, what the bank recorded, and whether those records agree.

Flominzo connects those stages through a shared payment core, an immutable event history, a double-entry ledger, and reconciliation against independent evidence.

Why we built it

One status column is not a record.

Businesses that move money for other people often run on one transaction database with a single status column. The last update wins, the history of what was believed is lost, and finance reconciles by hand, days or weeks later.

  • What goes wrong

    Paid twice

    A timeout is retried and the partner pays twice for one instruction.

  • What goes wrong

    Paid, but missing

    The partner’s API says paid, but its daily file leaves the payment out.

  • What goes wrong

    Reversed in silence

    A payment is reversed days after it was marked paid, and nothing changes in the database.

  • What goes wrong

    Closed too early

    A settlement file is late, and the day is closed as if nothing were missing.

Flominzo is built so that each of these cases becomes visible, owned and explained, instead of silent.

What we make

Six products. One financial foundation.

How we build

The principles underneath.

  1. Keep the evidence.

    Preserve the original records and the reasons behind each financial decision.

  2. Resolve uncertainty explicitly.

    Investigate an unknown outcome before attempting another payout.

  3. Keep people in control.

    Agents explain and assist; mandates and deterministic controls govern execution.

  4. Work with what already exists.

    Connect existing systems and start with reconciliation before expanding into execution.

Leadership

Built by people who have run payments.

Sanjay

Founder, Flominzo

Sanjay brings 17 years of experience across payments, remittances, payouts, compliance, fintech infrastructure, and AI.

He currently serves as CTO of UnityLink, a global remittance platform, and has built several fintech and AI products, including Exekova, an autonomous work execution platform; PayVault, a passkey-based payments platform supporting more than USD 23 billion in transaction volume; and Finazzl’s cross-border payout routing engine.

His broader experience also spans UPI, payment orchestration, digital payments, and other fintech initiatives.

Sanjay on LinkedIn

Company details

Who operates Flominzo.

Flominzo is operated by Finazzl (OPC) Private Limited, a company registered in India.

Legal entity
Finazzl (OPC) Private Limited
Registered office
704, 7th Floor, Palm Court, MG Road, Sector 16, Gurugram, Haryana 122007, India

Your systems stay.
Let’s talk about your first flow.

Our technology team works with your existing environment, including legacy platforms, partner APIs, internal services and bank files. It starts with understanding your payment flows and the evidence your team needs.

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