FlowAI is an autonomous AI agent that handles the entire operational stack of embedded finance — from onboarding to AML triage to dispute resolution — without a human in the loop for routine work.
Every embedded finance stack needs the same expensive things: a compliance team, a fraud analyst, a KYC specialist, a disputes handler. The APIs are cheap. The humans aren't. And they don't scale at 3am.
FlowAI replaces the team with a single autonomous agent that monitors, decides, and acts — around the clock, without vacation, without error drift.
Ingests identity documents, cross-references databases, applies risk models, advances clean applications, escalates edge cases with full context attached.
Continuous transaction surveillance against global sanctions and behavioral patterns. Flags suspicious activity, files SARs, maintains audit-ready decision logs.
Real-time transaction scoring against device fingerprint, behavioral biometrics, velocity rules, and peer-group anomalies. Shrinks fraud windows from hours to minutes.
Initiates disputes, gathers evidence, routes through representment workflows, learns from resolution outcomes. Dispute win rates improve automatically.
Ingests identity documents, cross-references databases, applies risk models, advances clean applications, escalates edge cases with full context attached.
Continuous transaction surveillance against global sanctions and behavioral patterns. Flags suspicious activity, files SARs, maintains audit-ready decision logs.
Real-time transaction scoring against device fingerprint, behavioral biometrics, velocity rules, and peer-group anomalies. Shrinks fraud windows from hours to minutes.
Initiates disputes, gathers evidence, routes through representment workflows, learns from resolution outcomes. Dispute win rates improve automatically.
A compliance team was spending mornings on a 200–400 case queue. A single POST endpoint changed that in one afternoon.
Read case study →Thousands of KYC events per month, zero dedicated compliance staff. Here's how it works and what the audit trail actually means.
Read case study →Pick a scenario. Hit run. See exactly what the agent decides — and why.
Adjust the inputs to your operation. Numbers update live.
Honest answers. No marketing spin.
Every triage decision includes an auditable risk score (0–100) and a clear reasoning breakdown. FlowAI routes cases as APPROVE / ESCALATE / REJECT — and only the clear-cut approvals run automatically. Edge cases land in your analyst queue. A human makes the final call on anything ambiguous. You also get a full audit trail: who touched what, when, and why.
FlowAI is a decision-support tool. You retain authority over every outcome. We provide the scoring, the routing logic, and a tamper-evident audit log — but the compliance officer signs off. That's the architecture, and it's documented in your webhook event payload and audit trail. Configurable thresholds let you set risk tolerance to match your program. We're transparent about what we do and don't do.
API-first, webhook-based. No rip-and-replace. POST your applicant data to our endpoint, get a decision back in seconds. We have a live sandbox, comprehensive docs, and webhook signature verification so you know events are authentic. Integration time is hours, not months. Most customers are running production traffic within a week.
SOC 2 Type I is in progress — we expect completion by end of Q3 2026. GDPR and CCPA compliance are live today. All data is encrypted in transit (TLS 1.3) and at rest (AES-256). See our full security posture for the complete breakdown, including sub-processor list and incident response process. We won't claim certifications we don't have yet.
OFAC, EU, and UN sanctions lists are checked automatically on every review — no analyst dependency, no manual lookups, no stale data. List updates are processed in near real-time. Full schema and endpoint reference are in the docs. For edge cases or alias matching, human analysts review the flagged record before any routing decision is finalized.
Starter: $499/mo. Growth: $1,999/mo. Scale: custom — talk to us. No hidden fees, no per-seat surprises, no integration surcharge. Pricing page has the full breakdown. Starter and Growth both include the full API, sandbox, and webhook support.
Start with the live demo, or dig into the full API docs.
TLS 1.3, AES-256 at rest, zero-retention AI endpoints, configurable data retention. SOC 2 Type I in progress.
One integration to your BaaS provider — Treasury Prime, Synctera, Column, or any rails-compatible partner.
FlowAI starts monitoring from day one. Low-risk decisions happen automatically. High-risk cases get routed up with full reasoning.
Every decision is logged, timestamped, and explainable. EU AI Act compliant. Regulator-ready whenever they ask.
Retailers. SaaS platforms. Marketplaces. Any non-financial brand that wants to embed banking, lending, or payments — without building a compliance department.
The embedded finance era created the infrastructure. FlowAI creates the workforce.