Fixed
deadline
The date is set before the vendor search starts, so there is no time for a long evaluation.
By industry
Compliance will grow at the same rate as your product does
For fintechs: the platform that screens your first thousand users screens your first million. No migration, no second system.
What you switch on
A fintech outgrows compliance tools that weren't built to scale.
Fintech companies quickly move on to new products, new markets and new regulatory requirements.
Start by implementing the screening you need now, then add monitoring, risk assessment, and further checks as your customer base, product range, and obligations grow.
Why this matters here
Don't build your compliance stack one deadline at a time.
Evidence is needed by a sponsor bank, and then the licence application can proceed. With a new market come new requirements. The first tool to be selected is usually one that addresses that particular need, even though it may end up staying in the stack for many years.
One redirect
away from losing the signup
At each stage, there is a second screen, a queue, and a wait while the application is manually reviewed; these are all opportunities for the customer you already paid to acquire to abandon the process before it is completed.
Two engineers
for six weeks
The integration work wasn't part of the product roadmap and wasn't planned.
15 min
Sandbox key to first call
One endpoint
Screening at onboarding, nothing else to integrate
150 ms
Median response
Zero
Procurement calls to start
Journey · Sideways
Scroll to advance
A customer through your funnel
-
Step 01
Sandbox key, no call
Generated in the browser with test data loaded in, including a curl command that can be copied.
-
Step 02
One POST, whether it's a person or a business
An individual or a business can be screened using the same call. For a business, the same request determines and verifies the associated beneficial owners, rather than checking them in a separate lookup.
-
Step 03
Register for monitoring
One PUT and the entity stays in scope, individual or business. Everything after that arrives as a webhook, including a change in who owns the business.
-
Step 04
The evidence that your partner is looking for
The decision trail and evidence packs for both the individual and the business will be in a form ready for the sponsor bank to review, rather than being put together for the bank.
complead / sandbox
- Time to keyinstant
- Test entities5,000
- Rate limit60/min
complead / screening / search
- EndpointPOST /v1/screening/search
- Median148 ms
- Added to signup0 screens
complead / monitoring / register
- Registered48,102
- Interval15m
- Webhookconfigured
complead / audit
- Decisions retained48,102
- Exportper case or period
- Retentionto policy
Sandbox
Screen
Monitor
Evidence
What you answer to
Who will actually audit you?
Your sponsor bank and the payment scheme will ask the regulator's questions before the regulator does, and they will ask the same questions earlier.
Read the compliance guides
Sponsor bank
Program evidence and decision trail
Before launch
Payment scheme
Screening coverage and program evidence
On onboarding
Regulator
Risk assessment and named officer
On licensing
Auditor
Retrievable decisions per period
Annual
Case study · Fintech
Read the case study
From sandbox key to sponsor-bank sign-off in a month
A lending app integrated screening in an afternoon, then spent the remaining time on the evidence pack rather than the plumbing. The sponsor bank review took one meeting.
1 day
To first live call
4 weeks
To sign-off
0
Extra signup screens
Cross-family links
Where teams like yours go next
FAQ
Before you ask us
Can we start without a contract?
Yes. The sandbox key is generated in the browser and works against test data straight away, with no procurement call. Your engineers can prove the integration before anyone signs, which removes the step that usually delays a launch date.
How fast can our engineers make a first call?
Usually within fifteen minutes of generating the key. The sandbox comes with test data already loaded and a curl command you can copy, so the first call takes minutes rather than a sprint.
Will screening add friction to signup?
No. Screening is synchronous, with a median response of around 150 ms, and fits inside the request your signup form already makes. There is no redirect, no second screen and no manual queue, each of which is a point where an applicant you paid to acquire drops out.
Can one call screen both a person and a business?
Yes. The same POST screens an individual or a business. For a business, that request also identifies and verifies its beneficial owners, so ownership is part of the onboarding decision rather than a separate lookup after it.
How do we know when a user's risk changes after signup?
One PUT registers the entity for monitoring, whether it is a person or a business. From then on, changes arrive as webhooks, including a new designation or a change in who owns a business customer. Your product reacts to the event, and nobody has to rerun a batch.
What will our sponsor bank ask to see?
A decision trail per customer and an evidence pack per period, generated from the record rather than assembled by hand. Sponsor banks ask for program evidence before launch and again at every review, so the pack has to exist before they ask for it.
Which modules do fintechs usually start with?
AML screening first, because no sponsor bank or licence goes live without it. KYC and KYB follow with the first business customers, then ongoing monitoring and case management as the customer base and obligations grow. Each module joins the same record, so the order creates no rework.
What happens when we enter a new market?
New markets add configuration, such as lists, thresholds and reporting formats, not a new build. The integration stays the same, and rate limits scale with the plan as volume grows.
Will we need a second system at a million users?
No. The platform that screens your first thousand users still runs at one million, on the same endpoint and the same customer record. Fintechs usually outgrow the tool chosen under their first deadline; here the first choice does not have to be replaced.
Who will review our controls before the regulator?
Usually your sponsor bank and the payment scheme, well before the regulator. They ask the regulator's questions, on screening coverage, response times and the decision trail, and they ask them earlier. Passing their review with evidence already in place is the fastest route to launch.
Get a sandbox key and screen a name in fifteen minutes
No call, no contract. If it fits your flow, the commercial conversation is easier afterwards.
3,000+
Data sources checked
220+
Countries covered
15 min
Always real-time data