finance unseen.

The best finance is the kind you never see.

0 things to do. Everything still got done.
Runs itself. Asks when it matters.
Always yours to switch off.

Runs itselfAsks when it mattersAlways yours to switch off
Our ecosystem

Connected to what comes next.

Our connections
A day, twice

Your Tuesday,
with and without.

The same day. A different relationship with money. Switch the view to explore what could change. Illustrative scenario.

Money admin, one Tuesday
72 minutes Six tasks, spread across the day, across several apps.
07:40 Check balances across three banking apps 6 min
08:15 Move money to cover the rent 4 min
10:30 Chase a client who has not paid 9 min
13:00 Compare insurance renewal quotes 18 min
16:45 Fill in a loan application 20 min
19:10 Call the bank about a suspicious payment 15 min
07:40 One live view of every account, refreshed in the background. Wealth view
08:15 Rent paid early from the account with the best interest. Invisible finance
10:30 Reminder and payment link sent as soon as the invoice ran late. Business finance
13:00 Renewal re-priced to how you actually live, and switched if cheaper. Personalisation
16:45 Credit line adjusted from your live cash flow. No form. Cash-flow credit
19:10 The payment to a flagged account was held before the money left. Shared fraud signals
Any time Needs you: approve the USD 4,500 hotel, above your agent’s limit. 10 sec Agentic payments
What makes it work

Eight use cases,
one way it feels.

Explore the possibilities. Each card shows a moment from the day first, then the capability behind it.

The core

Invisible finance

Money tasks get done without you opening an app. Every use case below is one face of it.
A moment Rent is paid two days early from the account with the best interest. You hear about it in tonight’s note, and nothing needed you.
ConsentAPI HubVRPAANI · Jaywan

Hyper-personalisation

A moment Your premium is re-priced USD 310 lower after your commuting costs fell. What it does Prices and advice fitted to one person, not a segment. ConsentTPPAPI Hub

Consent-based agentic payments

A moment The flight (USD 1,240) is inside the limit, so it is paid. The USD 4,500 hotel is not, so the agent asks you. What it does An agent pays for you, only inside the limits you drew. ConsentTPPAPI HubVRP

Real-time cash-flow credit

A moment You issue a USD 38,000 invoice and your credit line grows by USD 20,000. When the client pays, the line repays itself. What it does Credit that rises and falls with the cash you really have. ConsentTPPAPI HubVRP

Self-running business finance

A moment 5% of every sale is set aside for VAT before it can be spent, and a late customer invoice gets a reminder and a payment link. What it does Invoices, tax and payroll that run themselves. ConsentTPPAPI HubVRPAANI · Jaywan

Embedded financing at the point of need

A moment USD 6,200 at checkout becomes six instalments of USD 1,060, pre-approved from your cash flow. What it does Funding appears where the need does, with no application. ConsentTPPAPI HubVRPAANI · Jaywan

Financial health coaching

A moment You are heading USD 300 short on the 24th. One tap moves USD 400 from savings. What it does A nudge while it can still change the outcome. ConsentTPPAPI Hub

Whole-life wealth view and planning

A moment Pension, shares and mortgage sit in one net worth line, with a what-if for six months off. What it does Everything you own and owe, in one picture. ConsentTPPAPI Hub

Fraud protection by shared signals

A moment A scam account flagged at 10:14 is blocked for another bank’s customer at 10:15. What it does One bank spots a scam, and every bank is warned. API HubAANI · Jaywan
The GRO app

See invisible finance
in action.

GRO is the app that brings Invisible Finance to market: it runs on the same solutions and turns them into everyday moments with a money companion.

Shape your futureLearn money, simplyReach your goalsInvest with confidenceBuy smartPay automatically
Discover the GRO app Now in Alpha · Qatar first
GRO app: Sahil the companion greets a returning user and offers topics to continue with
The path to invisible

Fade it out
in three stages.

Nobody switches to fully invisible overnight. Customers hand over more as each stage earns their trust.

Stage one · You do it, with help

Seen

Customers still act, but with a clear picture and early warnings.

Wealth viewCoachingShared fraud signals
Stage two · You approve

Assisted

Software proposes the move and the customer says yes with one tap.

PersonalisationCash-flow creditEmbedded financing
Stage three · You are told

Unseen

Software acts inside the limits set, and the customer hears about it afterwards.

Agentic paymentsBusiness financeInvisible finance
How it works

Consent in, money moved,
nothing in the way.

The customer gives Consent

They choose what to share, with whom, for how long, and which limits apply. They can see it and end it at any time.

API Hub connects the parties

TPPs and banks connect once through a single layer, so a new service does not need a new integration for every bank.

Money moves

Payments travel over AANI, Jaywan and other rails, with VRP handling recurring payments inside the agreed limits.

The value

One foundation.
three ways to win.

Build the agent, not the plumbing.

Delivered by
Agentic paymentsCoachingWealth viewBusiness finance
Launch faster Connect once through API Hub instead of integrating bank by bank.
Act with permission Consent and VRP give your agent a clear licence to act that the customer can revoke.
Win on experience Compete on how well you help, with live data underneath.

Ground rules

Invisible only
works
if it is
trustworthy.

Every Consent is visible

You can see who has access to what, and end it with one tap.

Limits live in the bank

The bank enforces the ceiling, so an agent that misbehaves cannot spend past it.

Big moves ask a person

Anything above the limit you set waits for your approval.

Someone is accountable

When something goes wrong, a named party is responsible for putting it right.

Your data earns its keep

Data is shared for a clear benefit, for a set time, and then it stops.

Nothing hides the cost

Every offer shows its full price before you say yes.

GRO Solutions

Born
in Qatar.

Invisible Finance is designed by GRO Solutions to run on open finance wherever Consent, banks and payment rails meet.

Our ecosystem

Middle East

Our focus now. Qatar and the GCC, on AANI and Jaywan rails.

Europe

Next. Open banking markets where Consent already works.

Asia

On the roadmap. Built once, launched where the rails allow.

Built for
the World.

In the press

The story so far.

All coverage

let’s build what’s next