What it is#
A Flow is an entire business process — for example, "Rural Credit for Individuals" or "Rural Credit for Legal Entities." It is the container that holds every phase and every rule that a given type of credit operation passes through, from start to finish. When someone asks "what path will this proposal follow," the answer is drawn inside a Flow.Each Flow represents a specific product line or customer profile. A single lending company can — and typically should — run several Flows in parallel, each tailored to a different audience or a different kind of operation. The credit Flow for individuals does not need to (and should not) look like the one for legal entities, just as a working-capital agricultural line can follow a very different logic than an investment line.Why it exists#
Without this layer of organization, every type of credit operation would need its own separate system, or every customer would be forced through the same funnel even when the analysis, approval, and formalization steps genuinely differ. Flow solves that: it is the highest level of organization for the credit process on the platform, and it is inside a Flow that phases (the steps a proposal moves through), approval rules, technical opinions, credit and decision engines, automated messaging, and generated documents all live.What the business gains#
Thinking in terms of Flow gives the credit team and the product team a shared vocabulary for designing and reviewing processes. Launching a new product line means creating a new Flow (or adapting an existing one). Auditing how a credit line works means examining the corresponding Flow end to end. Comparing two product lines means comparing two Flows side by side — their phases, their rules, their turnaround times.This organization also gives the freedom to evolve each product line independently: changes to the legal-entity credit Flow do not affect the individual one, and a brand-new type of operation can launch as a new Flow without touching what is already running in production for other audiences.In short#
A Flow is the complete map of a credit line: it defines which steps exist, in what order, under which rules, and with which automations. It is the starting point for understanding, designing, or adjusting any credit process on the platform.Simplified example#
{
"name": "Rural Credit for Individuals",
"description": "Flow for rural credit operations aimed at individual producers",
"createCardLabel": "New Request",
"cardCountLabel": "requests"
}
Modificado em 2026-07-28 20:38:32
