Two engines, one network.
Bflows runs on a hybrid core: a graph engine that maps, analyses and settles your network, and a generative layer you can ask in plain language. Underneath, the data, rails and ledger that make it production-grade.
A graph engine and a generative layer.
Graph engine
Turns your data into a live graph of who-owes-whom, then runs network analysis and the multilateral netting and settlement that finds cycles and chains and orders the movement of money. This is where capital efficiency comes from.
Generative layer
A language layer over the live network: ask questions, run what-if scenarios, get explanations and drafts — without writing a query. The graph keeps it grounded in real flows.
Multilateral, not bilateral.
The engine maps the whole web of obligations and looks for structure: cycles that close on themselves and net out with little or no external cash, and chains that run from a source to a sink and need real liquidity only at the ends.
It computes the optimal way to settle them and orchestrates it. The money itself moves on a rail run by an authorized payment institution Bflows computes and issues the settlement instruction — it never custodies funds.
A safe copy to experiment on.
A synthetic, statistically faithful copy of a network — built with generative models (CTGAN) and pseudonymization — lets you run scenarios without touching anyone's real data. Input-output multipliers turn a local shock or stimulus into its full ripple across the system.
It's the same technology behind the Regione Umbria economic-financial Digital Twin.
What it's built on.
Graph database
The network lives as a graph — queried in milliseconds, not joined in batches.
Network analysis
Community, centrality, hubs and paths: the structure behind the numbers.
Multilateral netting and settlement
Cycles and chains found across the network, with the optimal settlement computed.
Generative AI
Ask your live financial network in plain language — scenarios, explanations, drafts.
Open banking
Live account data in; incoming payments seen and reconciled automatically.
Settlement rail
Executed by an authorized payment operator. Bflows never custodies funds.
Verifiable ledger
Settlement records anchored so a chain's outcome and fee split can be audited.
Synthetic & private
Synthetic twins (CTGAN) and pseudonymization — the network without the raw data.
Built for trust
Settlement runs through an authorized institution, not Bflows. Sensitive data is pseudonymized or kept synthetic. And the model is provider-first: you run the engine on your own network, on your own infrastructure — we give you the technology to do it.
Run the engine on your network.
A federation, a supply chain, or a whole region — the same hybrid core, configured for your flows.