Every financial institution faces the same slowdown at some point: The product team is ready to launch, but engineering isn’t. You know the workflow. You know the compliance checks. You even know the questions applicants need to answer. Yet every change — every new product, every market test — goes into a development queue.

The problem isn’t technical complexity. It’s time. Building an application flow requires coordination across engineering, compliance, and operations. Even small updates can take weeks to schedule and test. For teams moving fast, every delay means a missed opportunity.

Grid Apply removes this bottleneck. It gives business and operations teams direct control over application deployment. Create a secure link, collect the exact information you need, and review results in one dashboard. Go live in minutes instead of waiting on a sprint cycle.

Why This Matters Now

Teams know their requirements. They map the workflow and outline the checks, but execution stalls when launch depends on engineering cycles and cross-functional coordination. Opportunity windows close while stakeholders wait for capacity. Apply removes this dependency by putting application creation, verification, and review where it belongs: in the hands of the team that owns the outcome.

What Apply Does

Apply enables your team to generate custom application links in minutes, without developers. Build a verification flow visually, create a secure link, and start collecting applications right away.

Here’s what your team can do with Apply:

• Generate links fast: Build your workflow in Grid’s Orchestrator, configure the checks you need, and publish a link for applicants to use.

• Streamline reviews: Applicants complete the form in their browser. You see application data, personally identifiable information (PII), and verification outcomes in one place within Case Management.

• Empower operations and compliance: Own the entire process from build to review. Make updates without filing tickets or scheduling a new sprint.

• Integrate the right checks: Add Know Your Customer (KYC), Know Your Business (KYB), fraud screens, credit pulls, and income verification. Configure rules that approve, route for manual review, or deny based on your criteria.

• Stay on brand: Add your logo and colors, define the information you collect, and match the experience to your standards. White-label options remove Grid branding and let you host on your own domain.

These capabilities turn “We have a plan” into “We’re live” on your timeline, not engineering’s.

How Apply Works

The process in Apply stays simple and predictable from build to decision.

1. Build the workflow. Select the verifications you need in Orchestrator. Set decision logic that reflects your policies and risk thresholds.

2. Generate the link. Apply produces a secure URL you can share via email or SMS, or insert in your existing sign-up or onboarding path.

3. Collect applications. Applicants complete the form in their browser. Data transmits in real time with the structure you defined.

4. Review results. See records marked as Pass, Needs Review, or Deny with Reasons in Case Management. Assign owners, add notes, and maintain a complete audit trail.

You can launch in minutes and adjust criteria on the fly as requirements evolve.

Apply in Action: A Practical Example

A fintech company plans to introduce a lending product and needs to validate identity, check credit, screen for fraud indicators, and confirm income before approval. Engineering is focused on core features, and multiple third-party integrations would tie up the sprint calendar for weeks.

With Grid Apply, the compliance manager builds the workflow in Orchestrator, selects identity checks, fraud detection, income verification, and credit assessment, then sets approval rules that reflect policy. Low-risk applicants receive automatic approval, edge cases route to manual review, and high-risk profiles are denied. The manager generates an application link the same afternoon and adds it to the sign-up flow.

Applicants complete the form once, and results appear in the dashboard within minutes. The team processes a high volume of applications without expanding engineering capacity. When underwriting policy changes, the compliance manager updates the logic directly and publishes immediately. No backlog. No resourcing delays. Just execution.

Who Benefits Most

Apply was built for financial institutions and platforms that need to move fast without compromising compliance. It eliminates the delays that come from relying on developer bandwidth, giving business teams the ability to deploy and iterate at their own pace.

Money Transfer Companies and Payment Platforms

Launch sign-up flows for new services and geographies on your schedule. Generate links for new user onboarding and maintain anti-money laundering (AML) requirements while you expand.

Credit Unions and Community Banks

Stand up high-volume programs and explore new segments without waiting for development resources. Run seasonal campaigns, test new products, and adjust criteria as you learn.

Apply supports teams that value speed and accountability. When execution timing drives outcomes, removing technical dependency on every change becomes a competitive advantage.

Customization That Grows With You

Apply adapts to your brand, your workflow, and your risk posture. Customization options include:

• White-labeling: Remove Grid branding, customize colors and fonts, and host on your domain. Applicants experience your brand throughout the process.

• Embedded option: Use the software development kit (SDK) to place Apply inside your site. Applicants complete the form in a modal overlay, and your team keeps the same operational control.

• Operate your way: Review inside Case Management or export data to your existing systems. Build visually in Orchestrator or work with our team on tailored decision logic.

This flexibility lets you start with a link and add depth over time. You decide how much to own in-house and when to extend with engineering.

A Closer Look at Apply’s Verification Checks and Decisioning

Verification should be precise, fast, and defensible. Apply gives you the building blocks to design for your product and risk model.

• Identity and business verification. Add KYC and KYB steps with data and document checks that match your industry.

• Fraud and risk signals. Combine device, behavioral, and third-party data to reduce false positives and surface edge cases for manual review.

• Credit and income verification. Pull credit and confirm income where policy requires it, with routing that respects your thresholds.

• Decision logic. Configure rules that approve, hold for review, or deny. Set reasons that support audits and give reviewers context.

The outcome is a consistent process that scales with volume and stands up to compliance expectations.

Implementation Without the Wait

Apply is designed for speed at two layers:

• Deployment: You publish a link and start collecting applications immediately. That means your next launch, pilot, or market test can begin as soon as the team is ready.

• Iteration: You refine the flow without opening a ticket. Change a form input, adjust a threshold, reorder steps, or add a new check. Publish, test, and keep moving.

This feedback loop matters when timing is tight. The teams that ship, learn, and ship again compound their advantage.

Run on a Single Platform

Apply runs on the same orchestration platform behind Grid’s verification suite. You work from one contract and one system while accessing the providers you need across KYC, KYB, fraud, credit, income, and biometrics. Your team benefits from unified observability, consistent decisioning, and a single operational surface.

You are not stitching together half a dozen vendors or juggling multiple logins. You are standardizing operations while keeping the freedom to change components as your program evolves.

What Changes for Your Team

Apply turns a technical limitation into an operational advantage. When operations and compliance gain the ability to build and launch independently, ownership shifts closer to the point of execution. The impact shows up across day-to-day workflows in four key ways:

• Fewer handoffs: Ownership stays with operations and compliance from build to decision.

• Clear accountability: Review queues, notes, and clear ownership keep every case moving forward.

• Faster cycle times: Launches that used to wait for capacity now start when the business is ready.

• Better focus for engineering: Developers keep attention on core products while non-differentiated application plumbing moves to Apply.

These shifts free technical teams to focus on long-term product initiatives while business teams respond to the market in real time. The result is a faster, cleaner path from idea to execution.

Start Simple, Expand With Confidence

Many customers begin with a link. It solves the biggest bottleneck and proves the path. From there, teams extend the experience with white-labeling, embedded modals, and deeper integration into internal systems. You keep the operational control that makes your program move and add technical depth where it creates real leverage.

Apply turns waiting into progress. See how your team can go from idea to live in a single day.

Contact us to see Apply in a live demo. We’ll walk through building a flow in Orchestrator, generating a link, collecting an application, and reviewing outcomes in Case Management. You’ll see exactly how teams move from idea to live on day one.