The UAE has two parallel regulatory regimes: CBUAE for mainland entities and DFSA for DIFC-licensed firms. Both require documented KYC with FATF-standard risk-based approaches. FlowAI extracts Emirates ID data, screens against UAE, OFAC, and UN watchlists, and delivers APPROVE/ESCALATE/REJECT in under 3 seconds — with an audit trail that satisfies both CBUAE and DFSA supervisors.
Mainland UAE entities are regulated by the Central Bank of UAE (CBUAE) under the AML/CFT Decision (Cabinet Decision 10/2019). DIFC entities answer to the DFSA under its AML Module (AML). Both require risk-based CDD, ongoing monitoring, and STR filing with the UAE FIU (goAML). FlowAI's audit trail is structured to satisfy both frameworks simultaneously.
Emirates ID (issued by ICP — Identity and Citizenship Authority) is the primary KYC document for UAE residents. FlowAI extracts the 15-digit Emirates ID number and cardholder data, validates the format per ICP specifications, and flags expired or format-invalid cards as risk signals. Passport extraction for non-UAE nationals follows the same pipeline.
The UAE FIU maintains domestic watchlists accessible via goAML. OFAC coverage is critical for UAE fintechs handling USD flows or serving US-connected customers. UN consolidated lists apply globally. FlowAI screens all three per triage call — one API response, three list results, one audit timestamp. FATF greylisting history makes UAE screening rigour a competitive differentiator.
Run a UAE applicant scenario — Emirates ID document type, OFAC + UAE FIU screening, CBUAE-aligned risk scoring.
Pick a scenario. Hit run. See exactly what the agent decides — and why.
| Provider | Cost per review | Monthly cost (10K) | Annual cost |
|---|---|---|---|
| Manual compliance (UAE market) | AED 80–150 (~$22–41) | $220,000–410,000 | $2.64M–4.92M |
| Jumio | $3.00–5.00 | $30,000–50,000 | $360K–600K |
| Veriff | $2.00–4.00 | $20,000–40,000 | $240K–480K |
| Sumsub | $1.50–3.00 | $15,000–30,000 | $180K–360K |
| Persona | $2.00–4.00 | $20,000–40,000 | $240K–480K |
| Sardine | $1.50–3.00 | $15,000–30,000 | $180K–360K |
| FlowAI Starter | $0.050 | $499/mo flat | $5,988 |
At 10K reviews/month, FlowAI is 97%+ cheaper than the UAE compliance market standard.
Yes. While CBUAE and DFSA have different rule books, both require risk-based CDD, documented audit trails, and STR filing capability. FlowAI's audit trail includes the fields required by both frameworks — decision rationale, risk factors, timestamp, case_id. For DIFC entities, the audit log can be structured for DFSA's AML Module inspection requirements specifically.
ADGM financial services entities are regulated by the FSRA (Financial Services Regulatory Authority), which has its own AML rulebook (AML Rules 2015, as amended). FlowAI's triage is jurisdiction-agnostic at the API level — the audit trail fields are the same regardless of whether you're CBUAE-licensed, DFSA-licensed, or FSRA-licensed. Compliance mapping to your specific rulebook is done at your policy layer; FlowAI provides the data and evidence.
The UAE FIU uses goAML for Suspicious Transaction Report submission. FlowAI's ESCALATE response includes structured risk factors that map to goAML's STR fields — transaction indicators, entity type, risk category, and supporting narrative. Your compliance team uses the FlowAI output to pre-populate the goAML form rather than starting from scratch. Mean time to STR filing drops significantly.
Founding 10 locks $249/mo. Start in the sandbox — no credit card.
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