A complete operating system
Everything a family office does day to day – not just reporting.
Mandates & structures
Record each person once and give them dated roles in companies, trusts and foundations – several per entity if needed, with history. Link entities to each other and see consolidated net worth with look-through.
Consolidated wealth
Record assets, liabilities and bank accounts in any currency. One source of truth instead of scattered spreadsheets.
Multi-currency consolidation
Every position keeps its original currency. Choose a reporting currency per organisation or per mandate, and FLIORE consolidates net worth, allocation and performance using your maintained FX rates. Switch the reporting currency and every figure updates – bank imports, uploads and auto-mapping all respect the position currency.
Encrypted document vault
Upload, categorise and version documents. Files are private and served only via signed links. FLIORE AI helps map and extract.
KYC & compliance
Capture KYC, track renewals, run periodic controls and keep an audit trail of security-relevant actions. AML is advisory: FLIORE surfaces, the responsible person decides.
Jurisdiction-aware compliance
Beneficial owners are assessed against the rules of their own jurisdiction – the EU's 25% threshold, India's 10%, South Africa's 5%, Switzerland's LETA regime and more. FLIORE shows, per mandate, who is disclosable, who needs enhanced due diligence as a PEP, which reviews are due, and which register each owner must be filed to and by when – across every country a cross-border family touches. Decision support, not legal advice.
Network verification (consent-based)
Verify a beneficial owner once and – with their consent – let that verification be recognised across the FLIORE network. Only the abstract verification status is ever shared (verified, when, PEP-flagged); never which organisation, mandate or wealth. Verification becomes reusable infrastructure while isolation stays absolute.
Agent trust layer
As wealth management becomes agent-driven, every action an AI agent takes on a mandate needs provable authority. FLIORE grants agents scope-bound, time-limited mandates (read portfolio, draft report – never move funds, which is outside the model by design) and records every action against the authority it ran under. A complete, auditable trail for the agent economy.
Bank feeds
Connect your banks and pull statements into FLIORE through a provider layer – file upload (CAMT.053/MT940) today, aggregator connections (Salt Edge, Tink, bLink) when configured. Duplicate bookings are detected automatically, and feed health flows into data-quality reconciliation.
Tax-lot accounting
Track purchase lots and realised gains per position under FIFO, LIFO, HIFO or average cost – computed from the trades you enter, no market data needed. Realised gain by year and remaining cost basis per lot. FLIORE computes; your office applies the tax treatment.
Data-quality reconciliation
FLIORE surfaces the data issues that quietly distort figures – positions in a currency with no FX rate, stale valuations, missing net-worth history – and ranks them by severity, so you trust the numbers before they reach a client.
Client invoicing
Invoice your clients for management fees and services directly in FLIORE – per-invoice VAT for clients in any country, a flexible recipient (a mandate or a one-off), Swiss QR reference for CHF invoices, and a built-in reminder workflow that tracks who is overdue and escalates from a friendly note to a final notice.
Monthly client reports
Generate a print-ready monthly wealth report per mandate in one click – net worth with month-over-month change, asset allocation, TWR/IRR/MOIC performance, the net-worth trend and top positions, consolidated into the reporting currency. Multilingual, white-label with your own name, for any cut-off date. Save as PDF and send it to your client.
FLIORE AI
An assistant that answers from each mandate's own data, cites its sources and never trains on your data. Credits are transparent and can be topped up.
Secure messaging & portal
Encrypted conversations with clients and a clean portal that shows only what you share.
Import & migration
Move your book from Asora, Kubera, Addepar, Altoo or any CSV or Excel file. FLIORE maps the columns – entities become mandates, holdings become assets, people and their roles come along – usually the same day.
Performance
Time-weighted return (TWR), internal rate of return (IRR) and MOIC per mandate, from valuation history and cash flows.
Open API
Your data is yours. A read API with key authentication connects BI tools and your own automation.
Your AI, your choice
Use FLIORE's built-in AI, bring your own Anthropic, OpenAI or Azure key (billing goes to your provider), or turn AI off entirely. Full control on Praxis and Multi-Office.