Solutions

AI agents for regulated operations

Agents that run real operational processes — screening, onboarding, analysis, reconciliation, payments, lending — under a deterministic policy engine, with a written rationale and audit record for every decision. Your rulebook decides; AI is invoked only where a case is genuinely ambiguous.

Foundation

AML / KYC Screening & Benchmarking

A sanctions and watchlist screening pipeline that ingests official sources on a scheduled refresh, screens names across scripts and transliteration variants, and applies your policy deterministically before any AI judgment — with a written rationale and audit record for every decision. Benchmarking replays your own historical alerts against identical inputs, with no write path to production, so every claim starts from a measured baseline.

01 · List ingestion

Official sanctions and watchlist sources are ingested on a scheduled refresh, with the list version recorded for every screening run.

consolidated lists · refreshed 04:00 · v2026-08-11scheduled
Workflow agent

Customer Onboarding

Customer due diligence end to end: document collection, identity verification, beneficial ownership, watchlist and adverse-media screening, and risk-rating assignment. Cases that meet every policy condition close automatically with the supporting evidence attached to the record; anything ambiguous escalates to a human with the file already assembled.

01 · Intake

The application and consents arrive as a structured case, with everything that follows attached to it.

application #3401 openedcase created
Task agent

SME Transaction Analysis

From raw transactions to credit evidence: statement collection, transaction classification, cash-flow and overdraft analysis, income verification, and credit-memo assembly. One analysis engine serves credit assessment, periodic KYC refresh, and relationship growth — material changes in transaction behavior can raise a risk-rating review automatically.

01 · Collection

Statements are gathered across accounts and institutions into one working set.

14 statements · 3 institutionscollected
Workflow agent

SME Reconciliation

Month-end close as a service you can extend to business customers: multi-source data intake, automated matching, exception-queue generation, aging of open items, and close support. Built on the reconciliation engine at the core of Flow's AI-native ERP — a running engine, not new development.

01 · Intake

Bank feeds, ledger entries, and invoices are ingested from their separate sources.

3 sources connectedingested
Task agent + authorization

Payments & Transfers

Where funds actually move, control comes before automation: pre-transfer screening, payee and account verification, sanctions screening, behavioral anomaly detection, and fraud-pattern detection, ending in hold, release, or escalate. Anomalies are judged in context — the same amount can be routine for one account and a takeover signal for another.

01 · Screening

Policy checks run before anything moves — limits, allowed destinations, required approvals.

amount within policy limitspass
Workflow agent

Retail & Mortgage Lending

Everything that precedes the credit decision: document intake and classification, income and asset review, regulatory ratio checks, and collateral and registry checks, with exceptions handed to the underwriter. Your written policy is executed as your rules, deterministically — AI never replaces the underwriter's judgment, it completes the preparation.

01 · Intake

Loan documents are received, classified, and filed into the application automatically.

pay stubs · registry extract filedclassified
Platform

AI-Native ERP

Hyper-customized ERP applications generated from your own spreadsheets and processes — the platform whose engines power the agents above.

Explore Flow ERP →

Every agent, on the same control plane

Each solution runs under AgentAuth: deterministic policy decides what may happen, every write is rehearsed, and every decision is on the record.

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