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Flouci

“Can a Central-Bank-licensed digital wallet become the default financial super-app for the unbanked in francophone Africa by removing every physical banking barrier through 100% remote onboarding and a growing suite of free banking services?”

Founded2018
HQCentre Urbain Nord, Tunis, Tunisia
IndustryFintech / Neobank
The story

Founded in 2018 as Kaoun SARL, Flouci started as a digital-signature and mobile-payment utility app in Tunisia, riding the Banque Centrale de Tunisie's 2020 Regulatory Sandbox to gain legitimacy. Over 2021–2024 it pivoted from a pure payment tool into a full-service digital banking super-app, adding free current accounts, savings accounts, interbank transfers, and physical Visa card delivery — all without being a bank, operating instead through licensed partnerships with local banks. By 2025 Flouci was positioning itself as the financial OS for francophone Africa, targeting the unbanked with a 100% remote eKYC onboarding model and expanding its merchant-facing Payment Gateway and POS products.

Last 12 months
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Product timeline
2018
Kaoun SARL founded in Tunis, Tunisia as a regulatory and financial technology company.· pivot
2020
Flouci app launched as part of the first cohort of the Banque Centrale de Tunisie's Regulatory Sandbox (launched 20 January 2020), initially offering mobile payments and electronic signatures via TunTrust.· banking
2021
Flouci expanded to offer fully digital eKYC onboarding to open bank accounts without physical presence, partnering with local banks.· banking
2024
Flouci launched free current account (RIB), free savings account (7% interest via Banque de Tunisie et des Emirats), interbank transfers, and cardless ATM withdrawals.· banking
2025
Flouci launched the first physical Visa card delivered to home in Tunisia, and announced partnerships with Orange Tunisie (Max it), Monoprix Tunisie, and CSS sport club.· card
2025
Flouci named among Forbes MENA Top 50 Fintechs and selected for the Visa Fintech Accelerator Program (one of 22 African startups).· pivot
Regulated entities
1
regulatory licence held by Flouci
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in Flouci’s embedded-finance stack
Payments / PSP
Flouci Payment Gateway (self-operated)
Money movement
in the full report
Card network
in the full report
KYC
in the full report
Accounting gap: significant
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.