Fluid
Fluid AI is an AI-native accounts receivable automation platform that automates invoice-to-payment matching, WhatsApp and email collections, and cash visibility for B2B finance teams, primarily in APAC, via native integrations with major ERP and accounting systems.
- Company typePrivate
- Founded2022
- HeadquartersSingapore, Singapore
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Fluid does
Fluid AI is an AI-native accounts receivable (AR) automation platform that targets B2B finance teams managing high invoice volumes, complex payment matching, and manual collections follow-ups. The platform is delivered as a unified SaaS product composed of three core modules: AI Reconciliation, which automatically matches bank transactions with invoices and payments while handling partials, duplicates, and exceptions through multiple matching methods (Amount Match, PV Match, FIFO Match); AI Collection, an autonomous agent that automates payment follow-ups across WhatsApp and email and prioritizes overdue accounts; and an AR Workspace providing a unified environment for transactions, invoices, customers, and collections with real-time visibility dashboards and cash trend analytics. Native bi-directional integrations connect Fluid AI to six ERP and accounting platforms — Xero, NetSuite, QuickBooks, SAP, AutoCount, and Sql Accounting — enabling automated sync without rip-and-replace of existing finance systems.
The company operates a hybrid go-to-market combining product-led growth with assisted enterprise sales. A free 14-day trial tier (limited to 100 invoices/month) provides a self-serve entry point, while Starter ($999/mo, up to 8,000 invoices), Growth ($2,399/mo, up to 30,000 invoices), and a custom Scale tier (above 30,000 invoices) capture growing teams, with add-on fees for Credit/Debit Note AI generation and ERP integration. Customer evidence is concentrated in APAC, spanning food and beverage (MCY Food, Brewlander, Treedots, Tru Trop), manufacturing and industrial (Eezee, Shingtik, Shende, Thereshy), travel (Trutrip), and retail (SGE Biz), with reported outcomes of 80-90% reduction in invoice matching effort, ~70% reduction in collection workload, and 85%+ reduction in repetitive manual work. Headquartered in Singapore with a regional office in Kuala Lumpur, Fluid AI is a privately held company with no disclosed funding, revenue, headcount, or founding date in the source material.
Fluid firmographics
Firmographics- Name
- Fluid
- Legal name
- Fluid AI
- Website
- https://gofluid.io
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Fluid AI is an AI-native accounts receivable automation platform that automates invoice-to-payment matching, WhatsApp and email collections, and cash visibility for B2B finance teams, primarily in APAC, via native integrations with major ERP and accounting systems.
- Ownership category
- akta.pro rank
Fluid industry classification
Industry- Product category
- Accounts Receivable Automation Software
- NAICS
- Software Publishers (513210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Custom Computer Programming Services (541511)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Accounts Payable Automation & Supplier Payments (FSAGAJAD)
- akta.pro secondary industries
- AI Integration & Orchestration Platforms (Connectors, Workflow, iPaaS for AI) (HDAEANAI), Robotic Process Automation (RPA) & Hyperautomation Platforms (HDAEAKAF)
Keywords
Where Fluid is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices2 records
Markets served
Fluid business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription - SaaS Platform: Monthly subscription tiers based on invoice volume and features. Tiers include Free (limited to 100 invoices), Starter ($999/mo for 8,000 invoices), Growth ($2,399/mo for 30,000 invoices), and Scale (custom pricing above 30,000 invoices). Add-on fees for Credit/Debit Note creation, Cloud ERP connections, and On Premise ERP integrations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free - 14-day trial with basic features |
| Subscription | Monthly | Starter - For small teams with moderate invoice volume |
| Subscription | Monthly | Growth - For growing finance teams |
| Subscription | Monthly | Scale - Custom enterprise pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Fluid product offering
Product offeringCore offering
Fluid AI is an AI-native accounts receivable automation platform that automatically matches transactions with invoices and payments, automates WhatsApp and email payment follow-ups, and provides a unified workspace for managing AR workflows. The platform integrates bi-directionally with ERP and accounting systems (Xero, NetSuite, QuickBooks, SAP, AutoCount, Sql Accounting) and bank feeds to deliver real-time reconciliation and collections without rip-and-replace. It is sold to B2B finance teams in the APAC region on tiered monthly subscriptions ranging from a free trial to custom enterprise pricing.
Product overview
Fluid AI is an AI-native accounts receivable platform offered as a unified product with modular components. The core platform consists of three integrated modules: AI Reconciliation (auto-matching transactions with invoices), AI Collection (automated WhatsApp/email follow-ups), and the AR Workspace (unified transaction and customer management). These modules share a common data layer and bi-directional sync with connected ERP systems, allowing finance teams to move from matching to recovery within a single connected workflow.
Differentiator
Problem solved
Functional benefit
Products and services
- AI Reconciliation AI-powered module that automatically matches transactions with invoices and payments, handling partial payments, duplicates, and exceptions without manual work. Supports multiple matching methods (Amount Match, PV Match, FIFO Match) for B2B finance teams managing high invoice volumes.
- AI Collection AI-powered module that automates payment follow-ups across WhatsApp and email, prioritizing overdue accounts and driving faster collections through autonomous agent behavior. Handles the full collection workflow including SOAs, invoices, follow-ups, and tracking without human intervention.
- AR Workspace Unified workspace for managing transactions, invoices, customers, and collections in one connected environment with real-time visibility into matched, unmatched, and overdue statuses. Provides cash trend analytics showing percentage improvements versus prior periods.
Quantifiable outcome
- Reduced invoice matching effort by 80-90%
- +3 more outcomes
Companies that use Fluid
Customer profileNamed customers10 records
Segments2 records
Ideal customer profiles3 records
Fluid technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability6 records
Feature5 records
Fluid partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and supporting.
- XerocoreNative integration partnership. Fluid AI connects to Xero for bi-directional sync of invoices, payments, and customer data, enabling real-time reconciliation without rip-and-replace of existing accounting systems.
- NetSuite (Oracle)coreNative integration partnership. Fluid AI connects to NetSuite for real-time data synchronization supporting automated invoice matching and AR workspace updates.
- QuickBookscoreNative integration partnership. Fluid AI connects to QuickBooks for bi-directional sync enabling automated reconciliation workflows and ledger alignment.
- SAPcoreNative integration partnership. Fluid AI connects to SAP systems for enterprise-grade invoice matching and AR automation with ERP sync capabilities.
- AutoCount Cloud AccountingsupportingNative integration partnership. Fluid AI connects to AutoCount Cloud Accounting for invoice matching and collections automation for APAC customers.
- Sql AccountingsupportingNative integration partnership. Fluid AI connects to Sql Accounting systems for reconciliation and AR workspace synchronization.
Scale indicators7 records
Recent moves5 records
Expansion highlights5 records
Fluid competitors and assessment
Company assessmentBroad incumbents
- Bottomline Technologies: Large financial operations vendor with AR automation, payments, and fraud offerings (including via acquired Rimilia/YayPay); offers comparable AR capabilities as part of a broader finance and treasury platform, putting pressure on pure-plays like Fluid AI.
- Oracle NetSuite: Cloud ERP with embedded AR, cash application, and reporting features; a strategic partner of Fluid AI but also the most likely platform incumbent to release native AI reconciliation, eroding demand for bolt-on AR solutions.
Direct peers
- Versapay: AR automation platform with cash application, collections, and customer-facing payment portals — a comparable product wedge for mid-market B2B finance teams seeking to replace spreadsheets and email-based dunning processes.
- BlackLine: Cloud platform for financial close, AR, and AP automation; its Cash Application and AR Intelligence modules directly compete with Fluid AI's AI Reconciliation and AI Collection capabilities for enterprise controllers' share of wallet.
- HighRadius: AI-powered order-to-cash / AR automation platform offering cash application, collections, and deductions management to mid-market and enterprise finance teams — directly comparable to Fluid AI's reconciliation and AI-driven collections focus, but at a larger enterprise scale.
- Upflow: Accounts receivable and collections platform targeted at B2B SaaS and services companies; overlaps directly with Fluid AI's SMB/mid-market AR automation value proposition and integrates with QuickBooks/Xero-type accounting systems.
- Sidetrade: AI-driven order-to-cash and AR collection platform, particularly strong in EMEA; competes with Fluid AI on predictive collections and automated dunning, with a comparable product structure around AI agents and customer payment behavior scoring.
- Billtrust: Order-to-cash and B2B billing/AR automation platform with electronic invoicing, collections, and cash application — comparable scope to Fluid AI across the invoice-to-cash lifecycle, with a stronger US enterprise footprint.
Emerging players
- Tuna: AR and collections platform for SMB and mid-market businesses with automated invoicing and cash application; comparable in target customer size and product scope, though less differentiated on AI and channel integration than Fluid AI.
- CollectAI: AI-driven collections platform using ML to optimize dunning channels and timing; a narrower competitor to Fluid AI's AI Collection module focused specifically on the collections step of AR rather than the full reconcile-to-collect flow.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Fluid social profiles
Digital presenceFluid financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fluid leadership team
Management profileNumber of profiles
Fluid funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fluid M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fluid
What does Fluid do?
Fluid AI is an AI-native accounts receivable automation platform that automatically matches transactions with invoices and payments, automates WhatsApp and email payment follow-ups, and provides a unified workspace for managing AR workflows. The platform integrates bi-directionally with ERP and accounting systems (Xero, NetSuite, QuickBooks, SAP, AutoCount, Sql Accounting) and bank feeds to deliver real-time reconciliation and collections without rip-and-replace. It is sold to B2B finance teams in the APAC region on tiered monthly subscriptions ranging from a free trial to custom enterprise pricing.
Is Fluid a public or private company?
Fluid is a private company. It is classified as unknown and is currently operating.
When was Fluid founded?
Fluid was founded in 2022. It employs 11 to 50 people.
Where is Fluid based?
Fluid is headquartered in Singapore, Singapore, in the Asia region.
How does Fluid make money?
One revenue line is on record: subscription - SaaS Platform.
Who are Fluid's main competitors?
Broad incumbents on record are Bottomline Technologies and Oracle NetSuite. Direct peers are Versapay, BlackLine, HighRadius, Upflow, Sidetrade and Billtrust. Emerging players are Tuna and CollectAI.
Does Fluid have an API?
No public API is recorded for Fluid.
What industry is Fluid in?
Fluid's product category is Accounts Receivable Automation Software. Its primary akta.pro industry code is FSAGAJAD, Accounts Payable Automation & Supplier Payments, with a secondary code of HDAEANAI, AI Integration & Orchestration Platforms (Connectors, Workflow, iPaaS for AI). Its NAICS code is 513210 and its SIC code is 7372.