COLIBRIX ONE, the funds infrastructure platform operated throughout the Mellifera group, has chosen Vivox AI below a multi-year settlement to automate know-your-business checks throughout its UK and EU service provider base. The deal is designed to cut back the time compliance analysts spend processing document-heavy due diligence on new enterprise prospects 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 expertise does
Vivox AI’s brokers draw on company registry knowledge throughout greater than 155 international locations to establish possession buildings, 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 stated due diligence time fell from roughly 60 minutes to below quarter-hour per case, with screening alerts declining by 86 per cent. Those figures come from Vivox AI’s personal account of the TransferMate challenge and haven’t been independently verified.
Tim Khamzin, founder and chief govt of Vivox AI, stated: “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 below 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 bundle, together with the forthcoming AML Authority, will elevate baseline obligations additional throughout the bloc. For platforms that compete partly on onboarding pace, handbook KYB on retailers with complicated, multi-jurisdiction possession buildings is a real operational bottleneck.
The market for AI-assisted compliance tooling is increasing shortly. Established regtech distributors and a brand new era 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 threat capabilities and supervisors alike. COLIBRIX ONE’s alternative of a devoted AI compliance vendor fairly than a bundled answer from its present expertise stack displays a broader sample amongst licensed cost companies: separating the compliance workflow layer from the core processing infrastructure in an effort to swap elements because the tooling matures.
The key variable to observe in deployments like this one is whether or not the effectivity good points cited from the TransferMate reference maintain throughout a bigger and extra various service provider portfolio, notably for retailers with layered holding buildings in higher-risk jurisdictions, the place helpful possession mapping is hardest and regulatory tolerance for errors is lowest.
AI degree 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
