# Fluye

> Fluye is B2B commercial-credit software by myservy. It helps companies that sell or buy on credit terms (trade credit) define conditions, organise each operation, collect and pay through banks and regulated entities, and learn from every transaction through a single operational score. Fluye orchestrates; it never holds funds, does not grant credit and is not a bank, insurer or credit bureau.

Key facts:

- Product: Fluye, "A myservy product". Website: https://usefluye.com
- What it does, in four steps for both sides (selling and buying on terms): 1) Define conditions (limit, term, instalments; quotes compared on price, term, delivery and compliance), 2) Organise (payment plans, orders, invoices, receipt vs. agreed), 3) Collect / Pay (payment links, reconciliation with the bank, supplier payments executed by your bank), 4) Learn (operational score per customer and per supplier).
- Operational score: one score per business relationship, seen from your side: as a seller it shows how a customer pays you; as a buyer it shows how a supplier delivers. It is calculated with fixed rules (myservy Engine) from real payments, instalments and deliveries inside Fluye. It does not use credit bureaus.
- AI: myservy Operational AI reads documents (orders, invoices, receipts), explains the score and proposes the next step; your company decides. Fluye connects to AI assistants such as Claude, ChatGPT or Gemini via MCP, with your team's permissions.
- Integrations: API, signed webhooks, ERP/administrative systems, Excel import, MCP.
- Money flow: collections and payments are executed by banks and regulated entities. Fluye instructs and reconciles.
- Pricing model: a commission on each reconciled collection (decreasing with volume, no minimums per invoice or account) and a fee per supplier payment; conditions agreed before starting.
- Horizon: partner insurers and banks will be able to use the operational score to offer coverage and financing.
- Markets: Venezuela (service available, Spanish; operated by Sbcompanies C.A.), Qatar (early access, English and Arabic; operated by myservy LLC, QFC No. 05314, incubated at Qatar Science & Technology Park), International (information, English and Spanish).
- Backed by Qatar Science & Technology Park (Qatar Foundation) and Microsoft for Startups.
- myservy in production: Seguros Los Andes (insurer, instalment premiums), Tecnonet (telecom, monthly collections from thousands of customers), Tigasco (gas distribution).
- Contact: contact@usefluye.com · Privacy: privacy@usefluye.com · Security: security@usefluye.com

## Markets

- [Venezuela (Español)](https://usefluye.com/ve/): crédito comercial entre empresas con score operativo.
- [Qatar (English)](https://usefluye.com/qa/en/): early access for companies in Qatar.
- [قطر (العربية)](https://usefluye.com/qa/ar/): Arabic version for Qatar.
- [International (English)](https://usefluye.com/int/en/)
- [Internacional (Español)](https://usefluye.com/int/es/)

## Use cases

- [Food and beverage](https://usefluye.com/int/en/cases/food-and-beverage.html): distributors selling on terms to supermarkets, shops and restaurants.
- [Oil and gas](https://usefluye.com/int/en/cases/oil-and-gas.html): operators, contractors and service providers working under framework contracts, service orders and valuations; bulk supplier payments.
- [Utilities](https://usefluye.com/int/en/cases/utilities.html): gas, electricity and telecom companies that bill thousands of customers monthly; smart collections management.
- [Construction and real estate](https://usefluye.com/int/en/cases/construction-and-real-estate.html): builders and developers selling units with payment plans and controlling purchases and subcontractors.
- [All use cases (Español)](https://usefluye.com/ve/casos/index.html)

## Legal

- [Terms and Conditions, Venezuela (ES)](https://usefluye.com/ve/legal/terminos.html)
- [Terms and Conditions, Qatar (EN)](https://usefluye.com/qa/en/legal/terms.html)
- [Website Terms of Use, International (EN)](https://usefluye.com/int/en/legal/terms.html)
- [Privacy Policy (EN)](https://usefluye.com/int/en/legal/privacy.html) · [Política de Privacidad (ES)](https://usefluye.com/ve/legal/privacidad.html)
- [Security Policy (EN)](https://usefluye.com/int/en/legal/security.html) · [Política de Seguridad (ES)](https://usefluye.com/ve/legal/seguridad.html)

## Optional

- [Sitemap](https://usefluye.com/sitemap.xml)
- [myservy](https://myservy.com)