A complete operating system
Everything a family office does day to day — not just reporting.
Mandates & structures
Manage persons, companies, trusts and foundations. Link entities and beneficial owners, and see consolidated net worth with look-through across structures.
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 a full audit trail. 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 realized gains per position under FIFO, LIFO, HIFO or average cost — computed from the trades you enter, no market data needed. Realized 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 to your client.
FLIORE AI
A hub-aware assistant that answers from each mandate's own data, cites its sources, and never trains on your data. Credits are transparent and top-up-able.
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. FLIORE maps the columns — entities become mandates, holdings become assets — usually the same day.
Performance
Time-weighted return (TWR), internal rate of return (IRR) and MOIC per mandate, from valuation history and cashflows.
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.