What Uniify does

Uniify is a Danish B2B SaaS company founded in 2019 that provides a unified customer onboarding platform for financial institutions across Europe. Its core product is a Unified API that gives banks, fintechs, leasing companies, and accounting firms a single integration point to access 100+ third-party data sources — including identity providers (MitID, Onfido, Veriff), credit bureaus (Experian), and digital signature services (Scrive). On top of this integration layer, Uniify delivers five core solutions: Customer Onboarding, Business Onboarding (B2B/KYB), KYC & KYB verification, Credit Assessment, and the Unified API itself, supported by feature modules for workflows, no-code form building, a lightweight CRM, and integrations management.

The company is headquartered in Copenhagen (Esplanaden 8D) and operates a sales and commercial office in London, serving markets primarily in Denmark and the United Kingdom with broader European data-source coverage. Uniify sells through an enterprise sales-led motion targeting regulated buyers (Nordea, Sydbank, KPMG, Sixt, Europcar among others) with quote-based, annual or multi-year subscription contracts. Its revenue model is recurring SaaS with deal sizes scaled to usage, data sources consumed, and onboarding workflow volume.

Uniify has raised approximately 23 million DKK (~$3.3M) in disclosed funding in early 2023, with investors including Mastercard, People Ventures/Eifo, Forward Venture Capital, Spring Capital, and Vaekstfonden, plus an angel check from Vivino founder Heini Zachariassen. The company employs around 18 people across 10 nationalities, holds ISO 27001:2022 certification and GDPR-compliant operations, and in September 2025 deepened its data capabilities through a strategic partnership with Experian focused on B2B onboarding under new Danish regulatory timelines.

Name

Uniify

Legal name

Uniify

Website

https://uniify.io

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Uniify is a Danish B2B SaaS company, founded in 2019 and headquartered in Copenhagen, that provides a unified onboarding and compliance platform — anchored by a Unified API connecting 100+ European data sources — for banks, fintechs, leasing companies, and accounting firms.

Ownership category

akta.pro rank

Product category

Customer Onboarding Platform

NAICS

Computer Systems Design and Related Services (54151), Custom Computer Programming Services (541511), Computer Systems Design Services (541512)

SIC

Services-Computer Integrated Systems Design (7373), Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Programming Services (7371)

akta.pro primary industry

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

akta.pro secondary industries

Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), Open Banking, Account Aggregation & Payment Initiation APIs (BPAMAFAJ), Institutional API Connectivity, OMS/EMS & FIX Gateways (FSADAJAJ)

Keywords

• Customer onboarding platform
• KYC verification software
• Unified API integration
• Credit assessment software
• Financial compliance automation

Headquarters

HQ city

Copenhagen

HQ country

Denmark

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. SaaS Platform Subscription: Uniify operates as a B2B SaaS platform providing financial institutions access to its onboarding infrastructure. The revenue model is based on subscription licensing with enterprise pricing determined by usage volume, data sources accessed, and number of onboarding workflows. Pricing is quote-based with annual or multi-year contract terms typical for enterprise engagements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Uniify provides a unified customer onboarding platform for European financial institutions, combining Customer Onboarding, Business Onboarding, KYC & KYB verification, Credit Assessment, and a Unified API. The Unified API connects 100+ data sources, identity providers (MitID, Onfido, Veriff), credit bureaus (Experian), and digital signature services (Scrive) into a single integration point, enabling banks, fintechs, leasing companies, and accounting firms to automate compliance and reduce onboarding time. The platform is delivered as enterprise SaaS with annual or multi-year subscriptions priced by usage volume and workflows deployed.

Product overview

Uniify is a unified customer onboarding platform for financial institutions offering a platform-plus-modules architecture. The core platform provides five integrated solutions: Customer Onboarding, Business Onboarding, KYC & KYB, Credit Assessment, and a Unified API. These are supported by four feature modules: Workflows, Form Builder, CRM, and Integrations & Modules. The platform enables financial companies to gather customer data, meet KYC/KYB and credit assessment requirements while saving time, reducing costs, and elevating customer experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Customer Onboarding Uniify's Customer Onboarding solution streamlines the gathering of customer data, unifying data intake into a single automated flow that accelerates the journey from application to approval. It is designed for financial institutions seeking to reduce abandonment and boost conversion while maintaining data integrity.
• Business Onboarding Uniify's Business Onboarding digitizes the complete corporate onboarding process, simplifying verification for legal entities and complex ownership structures to accelerate time-to-revenue. Enabled by the Experian partnership for real-time business data, it supports banks, fintechs, and businesses onboarding other businesses in compliance with regulations such as the Danish 10-day business account decision rule.
• KYC & KYB Uniify's KYC & KYB solution provides automated identity and entity verification with real-time screening and fraud prevention to ensure compliance across jurisdictions for both individual customers and businesses. It leverages AI/ML for AML transaction monitoring and integrates identity providers such as MitID, Onfido, and Veriff.
• Credit Assessment Uniify's Credit Assessment solution aggregates real-time financial indicators to enable deeper credit analysis and data-driven decisions, helping financial institutions expand their lending portfolios with confidence. It integrates credit bureau data (including Experian) to support predictive analytics.
• Unified API Uniify's Unified API provides a single point of integration giving developers access to 100+ data sources, identity providers, credit bureaus, and signature services across Europe. It eliminates the technical debt associated with maintaining multiple third-party connections, enabling developers to integrate once and receive data from unlimited sources via documentation at docs.uniify.io.

Quantifiable outcome

• 1M+ onboardings completed across all customers
• +4 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability5 records

Feature6 records

Partnerships

Two partnerships are on record, tiered core and minor.

• ExperiancoreTechnology or Integration · 29 September 2025Global data and technology company Experian partnered with Uniify to simplify B2B onboarding across industries with real-time data, fewer manual steps, and full traceability. The partnership addresses new Danish legislation requiring banks to make business account decisions within 10 working days. By combining Experian's data power with Uniify's digital flows, the solution enables data-driven decisions in real time while reducing fraud and credit loss risks.
• Global MisthominorStrategic or Co-development PartnerCEO & Co-founder Maximilian Czymoch of Global Mistho provided a testimonial about Uniify's advanced onboarding solutions enabling businesses to gain comprehensive views of their customers' financial situations.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Jumio: End-to-end identity verification, KYC, and AML screening provider used by banks and fintechs. Direct competitor in regulated onboarding, particularly for European financial institutions.
• Persona: Identity infrastructure platform offering configurable KYC/KYB workflows and a unified API for verifications. Competes with Uniify's modular onboarding platform for fintech and bank clients.
• Veriff: Identity verification platform serving financial services and other regulated industries. Uniify integrates Veriff, and they overlap directly on KYC onboarding for banks and fintechs in Europe.
• Onfido: Global identity verification and KYC provider offering document and biometric checks integrated into onboarding flows. Competes head-to-head with Uniify's KYC/KYB module for the same bank and fintech buyers.
• Trulioo: Global identity verification network covering business and individual KYC/KYB across 195+ countries. Overlaps with Uniify's multi-source data aggregation and compliance positioning for financial institutions.
• Alloy: Identity decisioning platform that orchestrates KYC/KYB and fraud checks across many data providers, similar to Uniify's unified-API approach. Both sell a single integration aggregating multiple verification vendors to financial institutions.

Regional players

• Signicat: Nordic-headquartered digital identity and onboarding platform with deep coverage of European eID schemes (MitID, BankID, etc.). Most direct regional overlap with Uniify on bank-grade onboarding in Northern Europe.

Emerging players

• Salv: Nordic AML and compliance platform serving banks and fintechs with KYC, transaction monitoring, and sanctions screening. Adjacent competitor to Uniify's KYC/KYB and AML monitoring layers in the same regional market.

Broad incumbents

• Tink (Visa): European open banking platform (owned by Visa) offering account aggregation and payment initiation APIs. Overlaps with Uniify's Unified API on European data connectivity for financial services.
• Plaid: Dominant open banking/data aggregation platform connecting apps to bank data. While broader than Uniify, Plaid competes for the same fintech and lender developer mindshare on financial data access and onboarding infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/uniifyio

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds1 record

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Uniify