OAT × Flow

Flow Advisor

Now in pilot with KSA fintechs

Credit intelligence as an API.
For any financial company.

Flow Advisor is a white-label, multi-tenant platform that turns one national ID into a complete, SAMA-compliant credit decision — scoring, risk, policy, and blockchain audit — in under 2 seconds.

Start free 30-day Pilot View API reference

1.8s

median decision

99.95%

enterprise SLA

100%

SAMA reportable

raw IDs stored

Platform

Built for the partners who can't afford to be wrong.

True Multi-Tenant

Isolated namespaces per partner. Zero data crossover. Configurable scoring rules, decision thresholds, and product catalogs per company.

SAMA Compliant

Every decision logged, hashed, and reportable. National IDs are SHA-256 hashed before storage — never raw.

Blockchain Audit

Immutable hash chain anchors every assessment. Partners and regulators verify decisions via public chain.flowadvisor.sa.

Sub-2s Decisions

Median 1.8s end-to-end: bureau pull, risk model, policy engine, and audit anchor.

White-Label Ready

Custom subdomain, partner-branded PDF offers, themed customer comms via WhatsApp + email.

Event-Driven

Webhook fan-out for approvals, rejections, defaults, and threshold breaches. SLA per plan.

API

One endpoint. Everything you need to decide.

/v1/assess bundles bureau pull, risk model, policy engine, and blockchain anchor into a single typed JSON response.

Request

POST https://api.flowadvisor.sa/v1/assess
Authorization: Bearer flw_live_xxx
Content-Type: application/json

{
  "national_id": "1234567890",
  "requested_amount": 10000,
  "term_months": 12,
  "product_type": "murabaha",
  "customer_consent": true,
  "request_id": "PARTNER-REF-001",
  "include": ["credit","risk","decision","blockchain"]
}

Response

{
  "partner": "your_company",
  "flow_ref": "FLW-2026-847293",
  "credit": {
    "score": 742, "grade": "B+", "percentile": 71,
    "factors": { "payment_history": 85, "utilization": 42,
                 "account_age": 67, "recent_inquiries": 2, "defaults": 0 }
  },
  "risk": {
    "score": 28, "level": "low",
    "debt_to_income": 0.31, "monthly_obligations": 1200,
    "flags": [], "max_safe_amount": 15000
  },
  "decision": {
    "result": "approved", "approved_amount": 10000,
    "monthly_installment": 933, "apr": 0.12,
    "conditions": [], "valid_hours": 72
  },
  "blockchain": {
    "hash": "0xabc123def456...", "block": 1847293,
    "timestamp": "2026-06-05T06:41:00Z", "immutable": true,
    "verify_url": "https://chain.flowadvisor.sa/0xabc123"
  },
  "response_ms": 1840,
  "sama_compliant": true
}

Reference

Endpoints

POST/v1/assessFull credit + risk + decision + audit in one call

POST/v1/offerGenerate amortization schedule + branded PDF + delivery

GET/v1/decision/{ref}Retrieve a prior decision by reference

POST/v1/config/thresholdsUpdate auto-approve / manual-review / reject bands

POST/v1/config/productsConfigure per-product limits and tenors

GET/v1/audit/{hash}Verify a blockchain-anchored decision

POST/v1/webhooksRegister webhook URLs for decision events

In production

A typical partner funnel.

Real numbers from a partner running 1,000 daily assessments. Tunable per tenant.

Incoming requests1000 · 100%

Auto-approved (≥700)680 · 68%

Manual review (600–699)180 · 18%

Auto-rejected (<600)140 · 14%

Pricing

Start in sandbox. Scale to enterprise.

Pilot

Free

30 days · 1,000 assessments · sandbox keys · email support

Start sandbox

MOST PARTNERS

Growth

Custom

Up to 100K assessments/mo · live keys · WhatsApp delivery · 99.5% SLA

Talk to sales

Enterprise