Fluxion

Third-pillar pension plans
that fit real life.

Fixed payments stay the same

  • They do not adjust to income
  • They ignore changing monthly
    spending
  • They create pressure in weaker
    months

Dynamic investments

  • On the user's salary day
  • Offered via push notification
  • Based on salary
  • Based on previous month's spending
  • Dynamic floor and ceiling

Solution

Flowchart showing Fluxion's dynamic contribution process

Solution

Flowchart showing Fluxion's dynamic contribution process

Feasibility

  • Integrated within banking app
  • Uses existing banking data
  • Rule-based financial calculations
  • Scalable across EU markets

Feasibility

  • Integrated within banking app
  • Uses existing banking data
  • Rule-based financial calculations
  • Scalable across EU markets

Feasibility

  • Integrated within banking app
  • Uses existing banking data
  • Rule-based financial calculations
  • Scalable across EU markets

Feasibility

  • Integrated within banking app
  • Uses existing banking data
  • Rule-based financial calculations
  • Scalable across EU markets

Feasibility

  • Integrated within banking app
  • Uses existing banking data
  • Rule-based financial calculations
  • Scalable across EU markets

Viability

460,000 users

312,000 active
148,000 inactive

*Information as of 2025-12, from the Bank of Latvia (Latvijas Banka)

Viability & Impact

Inactive users

Even if they skip a month, a new notification is received the following month

Active users

Contribution amounts automatically adjust to match the user’s financial situation.

New users

Users can join even before stable income, fitting irregular or seasonal income.

Fluxion

Third-pillar pension plans
that fit real life.