FINX Flow

Transaction
Orchestration & Control

A control layer that orchestrates how payments are authorized, routed, and governed across partners — without moving funds.

Used by product, payments, and operations teams to apply policies, limits, compliance, and approvals without rebuilding infrastructure.

Approved
$2,425.50 — Funds verified
Live
SWIFT · Plaid · PayPal
Partners connected
Active
app.finx.io/flow/orchestration
FINX Flow — Payment orchestration dashboard
Zero
Infrastructure replacement
100%
Audit-ready decisions
Multi
Currency & jurisdiction
API
First, partner-ready
Connects with SWIFT Plaid PayPal Faster Payments ACH SEPA Stablecoins PSPs Core Banking
Used by product, payments, and operations teams across banks and fintechs
Payment Platforms Digital Banks Fintechs Lenders BaaS Providers
Transaction Governance

Rules-based orchestration across all payment flows

Apply consistent controls across financial products and transactions while keeping existing providers, front-ends, and payment stacks.

  • Rules-Based Orchestration
    Define limits, fees, velocity rules, approvals, and escalation workflows
  • Integrated Decisioning
    Instant approvals, conditional releases, and human-in-the-loop decisions
  • Compliance-Ready by Design
    Connect to FINX Crime for AML, sanctions, KYT, and fraud as a modular service
  • Partner-Ready Architecture
    Integrates with cores, wallets, PSPs, payout partners, and credit systems
  • Multi-Entity & Multi-Currency
    Govern across jurisdictions, currencies, and legal entities from a single layer
Integration & Interoperability

Connect to any financial platform without rewiring

API-first integration layer that connects to internal systems and external providers — enabling unified control logic without replacing what already works.

  • API-First Integration Layer
    Connect to cores, PSPs, wallets, compliance, and credit systems
  • Event-Driven Orchestration
    React to transaction events, risk outputs, and compliance results
  • Standardized Data & Control Models
    Normalize semantics across systems for unified auditability
  • Partner & Provider Abstraction
    Decouple business logic from providers to add or swap without rewriting
  • Ecosystem-Level Governance
    Apply policies across products, transactions, and all partners
Transaction Authorization

Real-time authorization with full policy enforcement

Support real-time and scheduled authorization through unified control policies — with rules, limits, velocity controls, and operational visibility across all partners.

  • Real-Time & Scheduled Authorization
    Unified control policies for any payment timing
  • Rules, Limits & Velocity Controls
    Product limits, exposure controls, and anomaly triggers
  • Automated Pre-Release Checks
    Flag transactions for review based on customizable criteria
  • Credit & Underwriting Integration
    Approve, decline, or conditional decisions for credit products
  • Operational Visibility
    Centralize transaction insight across all partners without replacing systems
Zero
Infrastructure replacement needed
100%
Audit-ready decision logging
Multi
Currency, rail, and jurisdiction
API
First, partner-agnostic architecture
Partner-Agnostic Integration

Fiat, stablecoin, and digital asset — one control layer

Apply consistent authorization and compliance policies across fiat rails, blockchain, and stablecoin rails — without reconfiguring products or transaction logic.

  • Fiat, Stablecoin & Digital Asset Agnostic
    Consistent policies across all rails and asset types
  • Routing & Partner Abstraction
    Introduce or change partners without rewriting control logic
  • Execution & Case Integration
    Feed exceptions into case workflows for compliance, fraud, or credit review
  • Multi-Corridor Enablement
    Support multiple payout corridors without reconfiguring products
Account & Product Origination

Govern origination across platforms without duplication

Coordinate onboarding, verification, underwriting, approvals, and product creation across partner platforms — with embedded risk and compliance at every step.

  • Orchestrated Origination
    Coordinate onboarding, underwriting, approvals, and product creation
  • Embedded Risk & Compliance
    Connect to FINX Crime for KYC/KYB, AML, sanctions, and fraud
  • Approval & Exception Handling
    Multi-tier approval chains, overrides, and analyst-in-the-loop workflows
  • Audit-Ready Execution
    Log evidence, versions, and decision states for regulatory audit
Payment Capabilities

Orchestrated payments across rails, corridors, and providers

Flow enables a wide range of payment use cases across providers, corridors, and rails — with centralized control over routing, execution, and transaction logic.

  • Licensed Payment Enablement
    Enable payment operations through licensed partners and regulatory-aligned frameworks.
  • Cross-Border Payments
    Route and execute transactions across domestic and international corridors with full control.
  • Bank, Card & Digital Payment Rails
    Support ACH, wires, cards, and connected digital payment methods across multiple bank, card, and partner-enabled payment rails.
  • Stablecoin & Embedded Payment Experiences
    Enable supported digital asset and stablecoin flows where applicable, and integrate payments directly into your product or workflows.
  • Payouts & Collections
    Handle disbursements, merchant payouts, and inbound collections.
Governance & Control Plane

Define once, enforce everywhere, audit always

Transparency, consistency, and auditability across all financial products and transactions — with full regulatory and audit export support.

  • Policy-Driven Controls
    Define corridor, pricing, credit, and compliance rules once across all products
  • Cross-Partner Visibility
    Monitor execution metrics, performance, and exceptions across all providers
  • Case & Escalation Integration
    Feed exceptions into fraud, compliance, or credit case workflows
  • Regulatory & Audit Support
    Export audit trails, compliance evidence, and transactional histories
How it works

From policy definition to authorized payment

FINX Flow sits between your products and your payment partners — applying all rules, compliance, and governance without replacing anything.

Step 01
Policy Definition
Define rules, limits, pricing, and compliance requirements once.
Step 02
Transaction Received
Payment or request arrives from any channel or product.
Step 03
Orchestration Engine
Rules, compliance, and policies applied in real time.
Step 04
Compliance Check
AML, fraud, sanctions via FINX Crime — embedded, not hard-coded.
Step 05
Authorization Decision
Approve, decline, hold, or escalate — with full reason codes.
Step 06
Audit & Visibility
Every step logged for regulatory review and operational insight.

Ready to orchestrate your payment flows?

See FINX Flow in action with a personalized demo tailored to your payment stack and partners.