COLIBRIX ONE, the funds infrastructure platform operated throughout the Mellifera group, has chosen Vivox AI beneath a multi-year settlement to automate know-your-business checks throughout its UK and EU service provider base. The deal is designed to scale back the time compliance analysts spend processing document-heavy due diligence on new enterprise clients with out eradicating human sign-off from the method.
Under the association, Vivox AI’s explainable AI brokers will deal with company doc verification, final helpful proprietor mapping, and sanctions and antagonistic media screening. Every AI-generated discovering is traceable to its underlying supply, and COLIBRIX ONE’s compliance crew will evaluate and approve every case earlier than it’s closed. The rollout covers service provider onboarding within the UK and EU, with plans to increase to ongoing monitoring and extra entity varieties in 2027.
What the know-how does
Vivox AI’s brokers draw on company registry information throughout greater than 155 nations to determine possession constructions, shareholders and administrators, then generate a full buyer due diligence or enhanced due diligence report for analyst evaluate. In an earlier deployment at worldwide funds agency TransferMate, the corporate mentioned due diligence time fell from roughly 60 minutes to beneath quarter-hour per case, with screening alerts declining by 86 per cent. Those figures come from Vivox AI’s personal account of the TransferMate undertaking and haven’t been independently verified.
Tim Khamzin, founder and chief govt of Vivox AI, mentioned: “AI agents take on the document-heavy due diligence work where every conclusion comes with a clear audit trail, so analysts stay in control and regulators can see exactly how a decision was reached. That is what makes AI usable in a regulated business.”
COLIBRIX ONE is authorised by the UK Financial Conduct Authority as an digital cash establishment (FRN 927920) and holds a parallel authorisation by way of Mellifera Kartiera Limited from the Malta Financial Services Authority. Its product stack contains card buying for one-time and recurring transactions, multi-currency present accounts with devoted named IBANs, and international payouts, with principal memberships at Visa and Mastercard.
Regulatory and market context
The timing displays a particular strain on cost platforms regulated beneath UK and EU monetary crime frameworks. The FCA has tightened its expectations on anti-money laundering controls and service provider due diligence for e-money establishments in recent times, and the EU’s AML package deal, together with the forthcoming AML Authority, will increase baseline obligations additional throughout the bloc. For platforms that compete partly on onboarding velocity, guide KYB on retailers with advanced, multi-jurisdiction possession constructions is a real operational bottleneck.
The market for AI-assisted compliance tooling is increasing rapidly. Established regtech distributors and a brand new technology of AI-native compliance companies are competing to automate the identical document-heavy workflows, usually positioning explainability and audit-trail high quality because the differentiator that makes their merchandise acceptable to danger features and supervisors alike. COLIBRIX ONE’s selection of a devoted AI compliance vendor fairly than a bundled resolution from its present know-how stack displays a broader sample amongst licensed cost companies: separating the compliance workflow layer from the core processing infrastructure as a way to swap elements because the tooling matures.
The key variable to observe in deployments like this one is whether or not the effectivity positive aspects cited from the TransferMate reference maintain throughout a bigger and extra assorted service provider portfolio, significantly for retailers with layered holding constructions in higher-risk jurisdictions, the place helpful possession mapping is hardest and regulatory tolerance for errors is lowest.
AI stage 1 of 5: written by Darlyn Ho; AI helped with tone, construction or wording; edited and signed off by Mark Walker, Editorial Director. What the levels mean
