FLUXOFÁCIL

The problem

Tens of millions of Brazilians carry expensive consumer debt while paying retail prices for basic financial services. Existing apps either gamify spending or push more credit. None of them genuinely optimize the user's cash flow against their goals.

Our thesis

An AI coach that understands the Brazilian financial reality — interest rates, debt structure, taxes, BRL/USD exposure, banking idiosyncrasies — can produce 6-figure lifetime savings per user with the right product surface.

What it is

FLUXOFÁCIL is an AI personal finance OS for Brazil: debt restructuring, cash flow optimization, goal-driven planning, and a coaching layer that knows the local context.

How it's built

• ▸ Next.js + Postgres (Neon) + Stripe (premium tier) + Pluggy (open finance integrations)
• ▸ Personalization engine that ingests transactions, debts, goals, and household context
• ▸ Coaching layer powered by Claude with retrieval over Brazilian-specific financial primitives
• ▸ Localized UI in Portuguese with regional financial nuance baked in

Hosting + stack

Vercel + Neon + Cloudflare. PT-BR primary, EN-US secondary for diaspora users.

Approach

1. Solve debt restructuring first — it's the highest-leverage outcome and proves the product.
2. Integrate with open finance early so the data feels alive from day one.
3. Coach in the user's actual language and reality, not translated American advice.

The goal

Build the financial coach Brazilian users deserve — and the operating layer for the next generation of Brazilian wealth.