We build things that
respect you.
India's first privacy-first financial intelligence studio. We build tools that help you understand your money without ever asking for your bank credentials, OTPs, or spend signal access.
Become a trusted leader in privacy-forward financial intelligence for everyday Indians.
Build products that help people understand their money without intrusive data practices.
Analytics and intelligence company. Not a bank, wallet, payment processor, or financial advisor.
The problem we saw.
India's fintech landscape is crowded with apps that demand your bank password or OTP to give you basic spending insights. We thought that was wrong.
UPI transactions arrive as spend signals on your phone. The bank sends you a confirmation every time you pay. That spend signal has everything you need: merchant, amount, time. No bank login required.
So we built Spendly: an app that reads only those transactional UPI spend signals, auto-categorises every transaction, and surfaces clear spending insights, entirely on your device.
You shouldn't have to choose between understanding your money and protecting your privacy.
Four principles.
Clear boundaries, always.
What Clearflow is
- A financial analytics and intelligence company
- A privacy-first product studio
- A software company regulated under Indian IT law
- DPDP Act 2023 compliant
What Clearflow is not
- A bank, NBFC, or payment processor
- A digital wallet or lending service
- A financial advisor
- A bank credential or OTP collector
Why this matters.
Most fintech apps collect your data as a precondition for service. They store bank credentials, scrape transaction histories, and build profiles. The data is the product.
We took a different approach. Clearflow products never ask for bank logins or OTPs. Transactional spend signals from UPI confirmations are enough. Your financial intelligence stays on your device.
This is not a feature. It is the architecture.
Your financial intelligence stays on your device. Always.
How we got here.
Meet the people behind Clearflow.
A small, focused team building privacy-first financial intelligence tools for India. Reach out if you'd like to join us.
Ajat Shatru Singh
Founder & CEO
Leads Clearflow's product and engineering vision.
Naman Singh
Co-Founder & CFO
Oversees finance, fundraising, and sustainable growth.
Samar Pratap Singh Sisodia
Co-Founder & COO
Drives day-to-day operations, partnerships, and go-to-market.
Want to work with us?
We're always open to partnerships, enterprise integrations, and people who believe in building tech that respects its users.