FullCircl
FullCircl is a UK-based RegTech platform delivering API-first KYC, KYB, AML, and identity verification services to over 2,700 regulated institutions across financial services, gambling, corporates, and telecoms; acquired by nCino for $135M in October 2024.
- Company typePrivate
- Founded2011
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What FullCircl does
FullCircl is a UK-based RegTech company, founded in 2011 and headquartered in London, that builds a Customer Lifecycle Intelligence (CLI) platform serving regulated industries including financial services, gambling, corporates, professional services, crypto, and insurance. Following its acquisition by nCino (NASDAQ: NCNO) in October 2024 for $135 million, FullCircl now operates as nCino Identity Solutions, with its technology embedded into nCino's Smart Solutions suite.
The core platform is API-first, exposing a single RESTful API that grants access to 400+ global identity verification services, drawing on integrations such as LSEG Risk Intelligence (400+ sources across 50 countries). The product surface spans consumer verification (KYC, Identity Verification, Age Verification), corporate verification (KYB covering 365 million entities in 160+ countries, plus SmartAcquire business intelligence), financial crime (AML, Fraud Prevention), and specialized modules including Affordability Checks for gambling, KYC Africa Solutions, and ProBanker by FullCircl — a commercial credit visibility tool built with Experian that covers approximately 18 million UK commercial credit accounts. Reported platform scale includes 300 million checks per month, 2.3 billion annual API calls, and 200,000 client customers onboarded annually.
FullCircl monetizes primarily through recurring subscription-based SaaS contracts combined with usage-based API access, sold via an enterprise field sales motion targeting compliance and risk decision-makers, supplemented by self-serve API integration through a developer portal. In Q2 2024, the company reported a 96% year-on-year increase in new order intake and positive EBITDA prior to the nCino exit. Named customers include Entain, Betfred, Novibet, BT, KPMG, XTB, Three UK, Soldo, Caxton, and Business Data Group, with the platform serving over 2,700 institutions globally.
FullCircl firmographics
Firmographics- Name
- FullCircl
- Legal name
- FullCircl
- Website
- https://fullcircl.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- FullCircl is a UK-based RegTech platform delivering API-first KYC, KYB, AML, and identity verification services to over 2,700 regulated institutions across financial services, gambling, corporates, and telecoms; acquired by nCino for $135M in October 2024.
- Ownership category
- akta.pro rank
FullCircl industry classification
Industry- Product category
- Regulatory Technology (RegTech) — Identity Verification & KYC/AML Software
- NAICS
- Other Activities Related to Credit Intermediation (522390), Investigation and Personal Background Check Services (561611), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening) (FSAGAFAB)
- akta.pro secondary industries
- Customer Identity (KYC/CDD/EDD) & Onboarding (FSAMAMAA), Beneficial Ownership (UBO) & Corporate Registry Verification (KYB) (FSAMAMAK), KYC/KYB Identity Verification & Onboarding (FSADALAA)
Keywords
Where FullCircl is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
FullCircl business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- Subscription/SaaS Identity Verification: Recurring subscription-based access to KYC, AML, identity verification, and KYB services. Customers access the platform via API or web applications on a subscription basis.
- API Usage-based Access: Usage-based pricing model supporting 2.3 billion API calls annually across the customer base. Platform processes 300 million checks per month.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise B2B SaaS pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
FullCircl product offering
Product offeringCore offering
FullCircl provides a Customer Lifecycle Intelligence (CLI) platform for businesses in financially regulated industries, delivering real-time KYC (Know Your Customer), AML (Anti-Money Laundering), KYB (Know Your Business), identity verification, age verification, fraud prevention, and commercial credit visibility services. The platform is delivered via a single RESTful API and web applications, giving customers access to 400+ global identity verification services across 246 countries and territories.
Product overview
FullCircl operates as a RegTech company offering a comprehensive identity verification and compliance platform. Following its acquisition by nCino in October 2024, FullCircl's capabilities are integrated into nCino Identity Solutions. The core offering consists of a unified platform providing consumer verification (KYC, Identity Verification, Age Verification), corporate verification (KYB covering 365M entities across 160+ countries, and SmartAcquire business intelligence), and financial crime prevention (AML and Fraud Prevention). Additional specialized modules include Affordability Checks for gambling sector compliance and KYC Africa Solutions. The platform is accessible via a single RESTful API integration providing access to 400+ global identity verification services, processing approximately 2.3 billion API calls annually across 246 countries and territories.
Differentiator
Problem solved
Functional benefit
Brands
- ProBanker by FullCircl: A commercial credit visibility tool developed in partnership with Experian that gives UK banks near real-time insights into credit status, affordability, and liquidity across approximately 18 million commercial credit accounts.
Products and services
- Know Your Customer (KYC)
Quantifiable outcome
- 96% increase in new order intake year-on-year in Q2 2024
- +7 more outcomes
Companies that use FullCircl
Customer profileNamed customers11 records
Segments6 records
Ideal customer profiles5 records
FullCircl technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature7 records
FullCircl partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered flagship, core and minor.
- nCinoflagshipnCino acquired FullCircl in October 2024 for $135 million. FullCircl technology now operates as nCino Identity Solutions, with ProBanker by FullCircl launched as a commercial credit visibility tool developed in partnership with Experian.
- ExperiancoreExperian partnership enables ProBanker by FullCircl to provide near real-time insights into credit status, affordability, and liquidity across approximately 18 million UK commercial credit accounts for nCino's banking customers.
- LSEG (London Stock Exchange Group)coreFullCircl integrated LSEG Risk Intelligence data into its platform, providing access to over 400 sources across 50 countries for enhanced identity verification and compliance capabilities.
- JumiominorBoth FullCircl and Jumio announced new identity verification capabilities in August 2024, showcasing growing demand for automated identity verification tools across regulated industries. Featured together in industry coverage.
- SignzyminorSignzy announced partnership with Homelike for one-touch KYC alongside FullCircl's LSEG Risk Intelligence integration announcement, both highlighting efficiency and compliance benefits.
Scale indicators11 records
Recent moves6 records
Expansion highlights6 records
FullCircl competitors and assessment
Company assessmentDirect peers
- ComplyAdvantage: Direct competitor offering AI-driven AML and KYC solutions including transaction monitoring, sanctions screening, and customer onboarding. ComplyAdvantage targets the same regulated financial institution customer base as FullCircl with overlapping product capabilities.
- Jumio: Direct competitor in identity verification and KYC, providing AI-powered ID verification, biometric authentication, and AML screening. Jumio serves similar enterprise customers in financial services, gambling, and crypto with comparable onboarding-focused solutions.
- Onfido: Direct competitor acquired by Entrust, providing AI-based digital identity verification and KYC onboarding. Onfido targets the same regulated industries including financial services and gambling with similar real-time verification workflows.
- Sumsub: Direct competitor offering all-in-one identity verification, KYC, KYB, AML, and fraud prevention platform. Sumsub competes head-to-head with FullCircl in regulated industries including crypto, fintech, and gambling.
- Trulioo: Direct competitor providing global identity verification and business verification (KYB) across 195+ countries. Trulioo's GlobalGateway platform competes with FullCircl's API-first orchestration approach for cross-border compliance.
- Persona: Direct competitor offering configurable identity verification platform with KYC, AML, and KYB capabilities. Persona targets similar enterprise customers with flexible orchestration workflows comparable to FullCircl's approach.
- Veriff: Direct competitor providing AI-powered identity verification with global document and biometric coverage. Veriff serves similar regulated verticals including financial services, crypto, and gambling with KYC onboarding focus.
- GBG (now Acuant): Direct competitor offering global identity verification, fraud prevention, and KYC/AML compliance solutions. GBG serves financial services and regulated industries with comparable verification and onboarding workflows.
Others
- LSEG (Refinitiv) Risk Intelligence: Data provider partnership partner and partial competitor; LSEG provides World-Check for sanctions/PEP screening and risk intelligence that FullCircl integrates. While LSEG supplies data, it also offers competing compliance solutions to similar institutional customers.
Emerging players
- Ondato: Emerging KYC/AML compliance platform offering identity verification, customer onboarding, and AML compliance. Ondato competes in the European market with similar focus on regulated industries and API-first architecture.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
FullCircl social profiles
Digital presenceFullCircl financial estimates
Financial estimateRevenue estimate
Valuation estimate
FullCircl leadership team
Management profileNumber of profiles
Profiles8 records
FullCircl funding detail
Funding detailFunding overview
Funding rounds12 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FullCircl M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FullCircl
What does FullCircl do?
FullCircl provides a Customer Lifecycle Intelligence (CLI) platform for businesses in financially regulated industries, delivering real-time KYC (Know Your Customer), AML (Anti-Money Laundering), KYB (Know Your Business), identity verification, age verification, fraud prevention, and commercial credit visibility services. The platform is delivered via a single RESTful API and web applications, giving customers access to 400+ global identity verification services across 246 countries and territories.
Is FullCircl a public or private company?
FullCircl is a private company. It is classified as corporate owned and is currently acquired.
When was FullCircl founded?
FullCircl was founded in 2011. It employs 11 to 50 people.
Where is FullCircl based?
FullCircl is headquartered in London, United Kingdom, in the Europe region.
How does FullCircl make money?
Two revenue lines are on record. Subscription/SaaS Identity Verification is the primary driver. The others are API Usage-based Access.
Who are FullCircl's main competitors?
Direct peers on record are ComplyAdvantage, Jumio, Onfido, Sumsub, Trulioo, Persona, Veriff and GBG (now Acuant). LSEG (Refinitiv) Risk Intelligence is listed as an others. Ondato is listed as an emerging player.
Does FullCircl have an API?
Yes. Single RESTful API integration providing access to 400+ global identity verification services. The platform processes approximately 2.3 billion API calls annually. Developer documentation is at docs.w2globaldata.com.
What industry is FullCircl in?
FullCircl's product category is Regulatory Technology (RegTech) — Identity Verification & KYC/AML Software. Its primary akta.pro industry code is FSAGAFAB, KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening), with a secondary code of FSAMAMAA, Customer Identity (KYC/CDD/EDD) & Onboarding. Its NAICS code is 522390 and its SIC code is 7370.