Cross-border payments involve currency conversions, foreign bank validations, regulatory documentation, and coordination with treasury or compliance teams. Manual handling of these payments increases the risk of delays, fraud, and non-compliance with local laws such as AML or OFAC regulations. Cflow automates the payment authorization process by routing cross-border payment requests through a multi-stage approval flow. Required compliance documents can be attached, and approvers are notified based on location, amount, or transaction type. Validation rules ensure that only complete, compliant, and verified payments proceed, minimizing risks and delays.