Fintech & Banking

Referrals your risk team can sign off on

Give-$25-get-$25 works — until fake accounts farm it. ReferralFlo screens every referral through five fraud layers and writes every action to an audit log, so growth and risk stop arguing.

Book a demo See how it works

Five-layer fraud screening Full audit logging Approval before any payout

An analyst reviewing financial dashboards

Northstar Money

Give $25, get $25

northstar.app/r/sarah

Copy

Every referral5-layer screened

The problem you already have

Your best new accounts come from members telling friends. Your worst come from fraud rings farming the same bonus. Most referral tools can't tell the difference — so risk kills the program.

What usually happens: the incentive launches, abuse spikes, a spreadsheet of suspicious accounts circulates, and the program dies in a compliance meeting three months in.

What ReferralFlo does: screens every referral through bot detection, device fingerprinting, IP and duplicate checks and velocity rules; scores each with a fraud risk level; and holds rewards for approval — with everything audit-logged.

92%

of consumers trust recommendations from people they know

Nielsen

16%

higher lifetime value from referred customers

Wharton / Journal of Marketing

18%

lower churn among customers acquired by referral

Wharton / Journal of Marketing

How it runs here

From an invite to an approved reward

Each step shows the human moment — and what ReferralFlo records beneath it.

Sarah invites a friend

Her personal link goes to someone who actually wants the product.

Advocate + code; every click carries device and IP metadata

The friend opens an account

Signup lands as a referral — not an anonymous acquisition.

Verified → qualified through duplicate and velocity checks

Risk sees the score

The referral carries a fraud risk level your team can act on.

Low risk auto-clears; flagged referrals hold for review

Rewards release on approval

$25 each — after the rules pass and a human (or rule) approves.

Paid via Stripe, PayPal or Tremendous; audit-logged end to end

Why fintechs run it on ReferralFlo

Fraud screening that earns trust

Five named layers stand between a click and a payout: bot detection, device fingerprinting, IP and duplicate checks, velocity rules, and a fraud risk level on every referral. Rewards only move when a referral earns it.

An audit trail for everything

Every advocate, referral and reward action is logged. When someone asks 'why did this account get $25?', the answer is a record, not a shrug.

Approval workflows, not autopay

Hold rewards for manual review, approve in bulk when clean, and track fulfilment per reward with retry — so the incentive budget stays a decision, not a leak.

“Every referral came with a risk score and an audit trail our team could actually read. That's what got the program approved internally.”

Priya Rao

Head of Growth, Vault Investing

Trust, on screen

The approvals queue risk asked for

Converted referrals line up with rewards attached and fraud checks visible. Approve, reject, or bulk-clear — with the audit log recording every decision.

Reward approvalsThis week

$50.00 · Cash reward

Sarah Chen · Winter Campaign

PendingApproveReject

Marcus Patel

$200.00 · Spring Launch

Approved

Priya Rao

$100.00 · Winter Campaign

Approved

Audit log

Approved by Dana K. · 2m ago

Velocity check passed · 2m ago

Fraud check passed

Device · velocity · duplicates

0 fraudulent payouts this quarter

Is this the right fit for your team?

Built for

Neobanks, investing apps, lending and B2B fintech — any team whose referral incentive is real money and whose risk function has veto power.

What's included

Five-layer fraud screening · fraud risk level per referral · approval workflow with bulk actions · full audit logging · role-based team access · payouts via Stripe, PayPal or Tremendous with per-reward status and retry.

Works with

Your CRM via HubSpot or Salesforce, and your own systems via the REST API and webhooks — referral events, wherever your risk tooling lives.

Everything included

The details that make it dependable

Fraud risk level

Every referral scored before rewards move.

Velocity rules

Unnatural referral bursts slowed and surfaced.

Device fingerprinting

Each referral tied to the device behind it.

Approval workflow

Manual review, bulk approval, full audit trail.

Audit logging

Advocate, referral and reward actions — recorded.

Role-based access

Growth configures; risk reviews; scoped by role.

Webhooks & API

Push referral events into your risk pipeline.

Payout rails

Stripe, PayPal, Tremendous — status per reward.

Common questions

How does ReferralFlo prevent referral bonus abuse?

Every referral passes five fraud layers — bot detection, device fingerprinting, IP and duplicate checks, velocity rules and a fraud risk level. Rewards can additionally require manual approval, and every action lands in the audit log.

Can our risk team review referrals before payouts?

Yes — approval requirements are part of reward configuration. Hold everything, hold only flagged referrals, or auto-approve low-risk ones; either way the decision trail is logged.