Compliant referrals.
Higher-quality applicants.
KYC-ready referral flows for neobanks, lenders, and investment apps. Compliance baked in, fraud prevention by default.
Built for the rules your industry plays by.
Compliance-first
Region-aware reward rules for FINRA, FCA, BaFin and beyond.
Anti-fraud
Device fingerprinting, IP velocity, document verification triggers.
KYC-aware
Hold rewards in escrow until the referred user passes KYC.
From day zero to compounding.
Audit
Map your existing compliance program to our event schema.
Integrate
Webhook signing, request signing, and PII redaction by default.
Restrict
Geo-fenced rewards & per-region disclosure flows.
Report
Compliance-grade audit logs exportable for regulators.
What's in the box.
Geo-fenced campaigns
Only show programs to users in approved jurisdictions.
PII redaction
Hash, tokenize, or strip personal data per your policy.
Reward escrow
Hold payouts pending compliance checks.
Audit logs
Immutable event log with cryptographic signing.
Disclosure flows
Region-specific T&Cs surfaced at every share moment.
FINRA-friendly
Limit referral language and force pre-approved copy.
"We needed something that wouldn't get us in trouble with FINRA. ReferralFlo's compliance team is more rigorous than ours."
Ready to grow with referrals?
Launch your program in days, not months. Free for 14 days, no credit card required.