Compliance & Security

To prevent fraud and adhere to Anti-Money Laundering (AML) directives, InvoiceFlow enforces mandatory Know Your Customer (KYC) verification for all participants.

• MSMEs: Required to verify business registration (GST/Udyam), Aadhaar, PAN, and primary banking details.
• Investors: Required to pass PAN-based identity verification and source-of-funds checks before capital deployment is authorized.

Accounts failing these checks are structurally locked out of all transaction workflows at the database level.

Our architecture is built on a zero-trust model. We utilize PostgreSQL's advanced Row-Level Security (RLS) to enforce strict data isolation.

• Data Isolation: MSMEs and Investors can only query records tied directly to their authenticated UUID.
• Encryption: All sensitive PII, including Aadhaar/PAN uploads, are stored in encrypted, non-public storage buckets requiring signed URLs for access.
• Audit Trails: Every financial mutation (funding, approval, settlement) is immutably logged with timestamps and actor IDs.

InvoiceFlow operates in accordance with prevailing financial regulations governing private debt and factoring.

We facilitate direct capital allocation and manage the technical infrastructure for risk pricing, fractionalization, and settlement tracking. We do not act as a bank; we are the technology layer ensuring absolute fidelity between borrower and lender.