NoCode credit decision engine,
with governance and traceability
Automate origination, scoring, limits and every other credit decision without waiting on development for each policy change. Every version stays auditable and under your control.
Credit policy governance
Roles, approvals and change control over every policy.
Traceability on every decision
Versioned, auditable and explainable, end to end.
Autonomy for the risk team
Your team iterates and ships without depending on IT.
The fastest way to make smarter decisions
100% web, cloud and NoCode, with everything your risk team needs.
Visual editor
Edit every credit policy as a flow or decision tree, 100% web, with a drag-and-drop interface. Backtest every change against historical data before publishing.
Reusable templates
Save a set of nodes as a template and reuse it in other flows, private or shared with your whole team, so you never rebuild the same logic or lose consistency.
Policy portability
Download a full policy to a file and upload it back when you need it: your own backups outside the platform and copies across environments, with no dependency on anyone.
REST API
Straightforward integration with any system: core, onboarding or frontend.
Machine learning
Deploy AI models without maintaining your own Python environments, and monitor their performance in production with metrics and drift alerts.
Dashboard
A per-policy dashboard with transaction volume, approval and rejection rates and the top rejection reasons, in real time and without exporting data. Every decision with its reasoning —rules applied and reasons— to tune policies and answer audits.
What changes with uFlow
40 → 8 min
Credit-line activation
Colombia Fintech / La República (2025)
25% → 12%
Delinquency reduction
La República (2025)
+12 pts
Approval rates
uFlow — event with TransUnion, Bogotá 2024
Companies already deciding with uFlow
Lulo Bank, HABI, Banco Serfinanza, RappiPay, Jamar, RappiCard, Banco Coinag, KOA, Migrante, Bercomat, Ualá Bank, albo, Naranja X, Colsubsidio, Frávega, Banco BST, Banco de Corrientes, Banco Davivienda, Banorte and delt.ai run their credit policies on uFlow.
The cycle of a governed decision
You connect data, design the policy, test it without risk, execute it in production and monitor it — with the published, versioned and auditable policy at the core of every decision.
- 01
Connect
Plug in pre-certified bureaus, your own REST or SOAP web services and flat files, from a single point and with caching so you never pay twice for the same data.
Learn more - 02
Design
Build every policy as a flow or decision tree with the drag-and-drop editor, reuse your team’s templates and add ML models without maintaining Python environments.
Learn more - 03
Simulate
Backtest every change against historical data and on a small slice of the portfolio with champion/challenger, before exposing it to everyone.
Learn more - 04
Execute
Resolve every application in milliseconds via REST API, in real time, asynchronously or in batch, on a 100% serverless platform that scales with your volume.
Learn more - 05
Monitor
Track performance in real time, query and export every transaction with the reasoning behind the decision, and catch deviations with drift alerts.
Learn more
ISO/IEC 27001:2022 certification
Certified against information security standards: data encryption, 2FA authentication and serverless infrastructure on AWS, with continuous monitoring and geographically distributed backups.
CertifiedISO/IEC 27001:2022
Proven scale in financial services
transactions processed
integrated data providers
implementations across Latin America
NPS score
uFlow's own platform metrics for its operations in Latin America, updated July 2026. Each one, with its source, is detailed in Why uFlow.
What our clients say
“We love working with uFlow as a provider because the answers are immediate, deadlines are met, and they anticipate possible errors. That level of attention is not something you get easily from any provider.”
Roberto Arriaga
Credit Risk Manager · RappiCard México
“uFlow's engine helps us handle multiple credit applications in an optimized way and with a much shorter response time. Changing rules used to take months; now it is handled in hours and without a technical team.”
Felix Diaz
Credit Risk Director · Credijamar
Everything you need to know
What is the uFlow decision engine?+
uFlow is a 100% web, cloud and NoCode decision engine that lets risk teams automate and manage their own credit policies and credit assessment processes autonomously, without depending on IT.
How long does it take to implement uFlow?+
Thanks to its REST API, uFlow integrates easily with any system (core, onboarding, frontend) and go-live is fast. Rule changes that used to take months are handled in hours.
Does it require specialized technical training?+
No. uFlow uses a drag-and-drop interface and formulas whose syntax is familiar to anyone who uses spreadsheets, so it needs no advanced technical knowledge and no development team.
How does uFlow protect data security?+
uFlow holds the ISO/IEC 27001:2022 certification and uses two-step authentication, JWT tokens, encrypted data and credentials protected with strong hashing mechanisms and authentication controls aligned with security best practices, all on secure cloud infrastructure.
Let's talk about your decision process
We review how you decide today and show you how it would work in the engine, with your own sources and policies.