This use case demonstrates how companies can use Integrated Finance (IF) for financial infrastructure—such as account issuing, payments, and card processing—while using Flagright for compliance and risk management. IF handles the orchestration of financial operations, and Flagright provides real-time AML checks, transaction monitoring, and risk scoring. The two systems operate independently but complement each other, allowing teams to build and scale products while meeting regulatory and compliance requirements.

Who is this for?

This integration approach is suitable for:

• Neobanks and digital banking platforms offering multi-currency accounts or serving international users
• Lending providers delivering personal loans, salary advances, or credit services
• Platforms embedding financial services, including account creation, card issuing, and outbound/inbound payments
• Investment and crypto platforms facilitating fiat on/off ramps with regulatory screening requirements

Step 1: Create a User

In this step, you'll onboard a customer into both Flagright and Integrated Finance (IF), establishing the foundational user record required for account provisioning, transaction orchestration, and compliance enforcement.

🔹 Flagright

Begin by registering the user in Flagright using the appropriate endpoint — POST /consumer/users for individuals or POST /business/users for corporate accounts. This allows you to trigger compliance workflows early in the onboarding process and determine whether the user passes your organization’s risk and screening requirements.

Flagright performs sanctions, PEP, and adverse media screening, identity profiling (KYC/KYB), and real-time risk scoring (KYC and CRA). Your compliance rules are also applied at this stage — for example, users from prohibited jurisdictions or with high-risk flags may be blocked automatically.

If not all attributes are available at the time of creation, you can enrich the user profile later using POST /events/consumer/user or POST /events/business/user.

🔹 Integrated Finance (IF)

Once the user has passed initial compliance evaluation in Flagright, create the corresponding user in IF using the POST /clients API. This record enables downstream infrastructure operations such as account issuing, card provisioning, and transaction processing.

• For individuals, use the individual identity and profile objects
• For businesses, use the corporate identity and profile objects

The user creation in IF should only proceed if no blocking compliance rules were triggered on the Flagright side — such as sanctions hits or disallowed countries — ensuring regulatory alignment across both systems.