uFlow builds credit decisioning infrastructure for regulated lenders in Latin America. Founded in 2020, the company works with banks, fintechs, retailers, and microfinance institutions that need to change credit policy faster than their core banking systems allow. The company's position is that credit policy belongs to the risk team, not to the engineering backlog. Its platform is a no-code decision engine that lets credit and risk analysts author, simulate, version, and publish the rules behind origination, scoring, limit assignment, and fraud routing — with governance, approvals, and a full audit trail built in rather than bolted on. uFlow has processed over 300 million transactions across more than 80 implementations in the region, and holds an NPS of 66. Its customers include Ualá Bank, Naranja X, Lulo Bank, Banco Serfinanza, Banco de Corrientes, RappiCard, RappiPay, albo, HABI, Colsubsidio, Migrante, Jamar, and Frávega. Security and resilience are treated as procurement requirements, not features. uFlow is certified to ISO/IEC 27001:2022 and aligned to PCI DSS, and runs serverless across multiple AWS availability zones with a recovery point objective under five minutes. The platform uses JWT authentication, two-factor authentication, encryption at rest and in transit, and geographically distributed backups — the posture regulated financial institutions require of a vendor sitting in the credit decision path.