The UK's first real super app.
Fluck connects how people plan, split and spend with the local businesses around them: the connective layer between consumers and local commerce that no one in the UK or Europe owns yet. We're building both sides from day one.
Recognised & supported by
Two problems. One root cause.
Consumers run their social and financial lives across a dozen disconnected apps: chat in one, bill-splitting in another, loyalty cards they forget they hold. Local businesses, meanwhile, rent attention from platforms that treat them as inventory and stitch together point tools that never connect. Both problems share one root cause: no one owns the connective layer between people and the places they spend. Whoever builds it holds the most valuable position in local commerce.
The vision
We're not building another app.
We're connecting the whole thing.
Super apps already run daily life across Asia (WeChat, Grab, Gojek) and the Gulf (Careem), and North America's giants are racing to build one. The UK and Europe, home to more than 500 million people, still have none. Revolut and Monzo got close, from the money side only. Fluck builds it consumer-first and business-first at once, starting in the UK and templating outward.
A 500m-person lane, wide open.
The size of the opportunity
Fluck sits where consumer social life, local commerce and the rewards economy meet. Three large markets no one has connected into a single network.
$400bn+
Super-app economy by 2030
The projected global market for the category Fluck brings to the UK and Europe first.
Source: Industry estimates, 2024
5.5m
Local businesses, beachhead
UK SMEs alone: 99.8% of all businesses and £2.8tn of turnover, before Europe.
Source: GOV.UK, 2024
£20.7bn
Rewards-driven revenue
Revenue the UK rewards and affiliate economy drove in 2025, the layer Fluck monetises.
Source: APMA, 2025
Market figures are third-party estimates for context, not Fluck performance. Revolut and Monzo already proved consumers will consolidate their lives into one app. Fluck extends that behaviour beyond money.
Beyond the UK
A global white space, proven elsewhere
China (WeChat), Southeast Asia (Grab, Gojek) and the Gulf (Careem) proved the super-app model works, and North America is chasing it. No UK or European market has connected consumer social life, shared money and local business into one network. We start in the UK and template outward.
United Kingdom
The beachhead
5.5m SMEs · 71% fintech adoption
Fintech-native consumers and a mature rewards economy, but no app connects social planning, shared money and local rewards.
Source: GOV.UK 2024 · EY/Statista 2024
Europe
Scale through fragmentation
~33m SMEs · 27 states, 24 languages
A huge SMB market, but split country-by-country with no pan-European super app. Fragmentation is the moat.
Source: Eurostat 2023
Middle East (GCC)
Proven appetite, open field
~90% smartphone use · median age ~22
Careem proved super-app demand (50m+ registered), and states are going cashless, yet the social + local-business slot is open.
Source: Lucidity/SAMENA 2024 · Arabian Business 2024
India
Massive, long-horizon
172bn UPI payments in 2024
Unmatched scale and merchant density, but a crowded wallet race. A later entry with a differentiated social wedge, not another payments app.
Source: NPCI 2025 · PhonePe 2026
Sequenced by decreasing familiarity and increasing competition. Bundling has failed in the West on features alone, so our edge is the connected consumer-to-business network, not a longer feature list.
Built for both sides
A consumer app and a business platform that make each other more valuable.
For people
- •Plan things with friends, in one thread
- •Group chat that knows the plan
- •Split any bill, settle up in taps
- •Rewards at the places they already go
For businesses
- •Reputation and reviews in one place
- •Digital loyalty that lives on the phone
- •Every customer message in one inbox
- •The kind of insight big brands take for granted, from data customers choose to share
The expanding surface
From a daily habit to the aggregator for local life
Planning and splitting is the wedge that earns daily use. From there, Fluck aggregates how people discover, get rewarded and book, taking a slice of local commerce each step widens.
Plan & split
The daily wedge: plans, group chat and bill-splitting that pull friends in together.
Discover & get rewarded
Find nearby businesses and rewards, turning intent into footfall for local shops.
Book & transact
Reserve tables and slots today; hotels, rides and services next, as Fluck becomes the aggregator for local life.
Each new surface expands the addressable take-rate without paying to reacquire the user, the economics that make aggregators compound.
The flywheel
Each side pulls in the other, and every loop makes Fluck harder to leave.
3–4×
Multi-service users of super apps transact 3 to 4 times more than single-service users.
Source: Grab, via DigitalInAsia
Why now
A 500m-person white space
Super apps run daily life across Asia (WeChat, Grab, Gojek), the Gulf (Careem), and are being chased hard in North America. The UK and Europe, home to 500m+ people, still have none.
The behaviour is already proven
Revolut and Monzo showed consumers will consolidate their whole financial life into one app. They stopped at money. The larger prize is everything around it.
Multi-service users compound
Grab's own data shows multi-service users transact 3 to 4 times more than single-service ones. More surfaces mean deeper engagement, more data, and higher switching costs.
Local commerce is unbundled
Small businesses rent attention from platforms that treat them as inventory, and stitch together point tools that never connect. The connective layer is unowned.
The launch plan
Where we are today, and exactly where this raise takes us. One region first, then scale, then open it up.
Pre-launch, building
Consumer app and business portal in active development, partner programme live, and backed by Microsoft, Atlassian, Republic and the University of Essex.
Prove the loop
Launch both sides in one region, sign the first cohort of local businesses, and show the two-sided flywheel turns.
Regional scale
Grow city by city, switch on the rewards and payments layer, and lift take-rate as multi-service usage deepens.
Open the platform
Open the developer platform so third parties build inside Fluck, and template the model into Europe.
The team to build it
Nabeel Bin Muhammed
Founder & CEO
Ex-HSBC and Amazon. MBA, University of Essex. Regulated fintech and scale experience.
Sreejith Sivankutty
Co-Founder & CPO
Mechatronics engineer. MSc Intelligent Systems, Essex. Product and design rigour.
Muhathaz Gaffoor
Co-Founder & CDO
Data scientist. MSc Data Science, Essex. Top 0.2% in India's UPSC exam.
The 100x
Today an app. Tomorrow a developer platform.
WeChat opened up and became an operating system: over a million mini-programs and around 200 million daily users within two years. Fluck follows the same arc. Once it is the trusted place people plan and pay, we open it, the way Meta and WeChat let others build on their reach, so startups and services build inside Fluck rather than fight for their own audience.
Build on Fluck
Open APIs and SDKs let startups and studios ship experiences inside the app, the way developers build for Meta or WeChat.
Integrate existing services
Booking, delivery, ticketing and fintech providers plug into Fluck rather than fighting for their own audience.
Reach our users
Third parties get distribution to an engaged, consented customer base; Fluck earns platform economics on every connection.
🔒 Built privacy-first: people own their data, choose what they share, and we never sell it.
What a backer is really buying
The returns that define the next decade come from owning a category, not shipping a feature. Here is the compounding position we are building toward.
Category ownership
First real super app in a 500m-person market with no incumbent, and the brand that defines it.
Compounding defensibility
A two-sided network where every user and business raises switching costs. Network effects, not features, are the moat.
Layered monetisation
Rewards take-rate, the payments layer, aggregated bookings, business subscriptions and, later, developer-platform economics.
Infrastructure optionality
As Fluck becomes where people plan and pay, it becomes rails others build on, the outcome backers underwrite for the next decade.
What we're raising for
We're raising our first external round to take Fluck from pre-launch build to a live, two-sided network in the first region. We're looking for partners, angels, early-stage and institutional, who back category-defining consumer platforms early and bring more than capital.
Product depth
Round out both sides of the app and the connective payments and rewards layer.
Launch the network
Stand up the two-sided network in the beachhead and get the loop turning.
Growth
Bring on the first cohorts of users and businesses, then scale region by region.
The platform
Lay the identity, payments and data foundations that let others build on Fluck.
Valuation and terms are best worked through together. The right place to start is a conversation.
Back the UK's super app, early.
Book a call with the founders or request the investor deck to start the conversation.
Fluck AI LTD · Innovation Centre, Knowledge Gateway, Colchester, Essex CO4 3ZQ