Fourthline
Fourthline is an Amsterdam-based RegTech company founded in 2017 that provides AI-driven KYC, AML, and identity verification through a single API for European banks, neobanks, neobrokers, and crypto exchanges.
- Company typePrivate
- Founded2017
- HeadquartersAmsterdam, Netherlands
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What Fourthline does
Fourthline is an Amsterdam-headquartered RegTech company founded in 2017 as a spin-off from Safened. It provides AI-driven identity verification and anti-money laundering compliance solutions to regulated financial institutions across Europe, including banks, neobanks, neobrokers, crypto exchanges, and embedded finance providers. Its platform is delivered as a single API that bundles document and biometric verification, eID verification, AML screening and monitoring, fraud detection, qualified electronic signatures, bank account verification, and re-KYC remediation into modular components that customers can mix to fit their risk profile and jurisdiction.
The underlying technology is built on proprietary machine-learning models trained on domain-specific data, combining computer vision, face matching, liveness detection, and behavioral signal analysis. The platform supports 3,500+ document types across 30+ European jurisdictions, claims 98.7% approval accuracy, and is certified to iBeta ISO 30107-3 Levels 1 and 2, ISO/IEC 27001:2022, and ISAE 3000. Fourthline's ecosystem includes integrations with Governikus (German eID), Tink AB (open banking), InfoCert and Namirial (QES), and recent strategic partnerships with LSEG Risk Intelligence and Daon.
Fourthline operates an enterprise API-first go-to-market with direct sales targeting tier-1 banks and large fintechs, supported by a quote-based subscription pricing model with usage-based transaction components. Revenue is generated through enterprise annual contracts; the company has reported profitable scale. The customer base includes Revolut, N26, Trade Republic, FlatexDeGiro, Qonto, Rabobank, Nationale-Nederlanden Bank, Triodos Bank, Bybit EU, Riverty, Anyfin, and Tiime. In March 2026 Paul Stoddart was appointed CEO with a mandate to lead geographic and vertical expansion and pursue strategic M&A.
Fourthline firmographics
Firmographics- Name
- Fourthline
- Legal name
- Fourthline B.V.
- Website
- https://fourthline.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Fourthline is an Amsterdam-based RegTech company founded in 2017 that provides AI-driven KYC, AML, and identity verification through a single API for European banks, neobanks, neobrokers, and crypto exchanges.
- Ownership category
- akta.pro rank
Fourthline industry classification
Industry- Product category
- Identity Verification and KYC/AML Compliance Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Investigation and Personal Background Check Services (561611)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Identity Verification & Digital ID (IDV, eIDAS, biometrics) (FSAGAFAA)
- akta.pro secondary industry
- Risk, Controls & Governance (GRC) Platforms (FSAFAOAG)
Keywords
Where Fourthline is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Fourthline business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Identity Verification and KYC Services: API-based subscription model providing identity verification, biometric authentication, document verification, and KYC compliance services to financial institutions. Revenue is generated through licensing of the platform with usage-based components for verification transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise API-based pricing |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Fourthline product offering
Product offeringCore offering
Fourthline provides an API-first, AI-powered identity verification and AML compliance platform that enables financial institutions to authenticate customer identities, screen for financial crime, and maintain regulatory compliance across European jurisdictions. The platform combines document authentication, biometric verification with liveness detection, eID verification, AML screening and monitoring, fraud detection, Qualified Electronic Signature, and re-KYC remediation into modular capabilities delivered through a single unified API and supporting mobile and web SDKs.
Product overview
Fourthline is a modular compliance platform providing AI-powered identity verification and fraud detection services through a unified architecture. The core offering combines Document and Biometric Verification with eID Verification for government electronic IDs, supported by AML Screening and Monitoring and Fraud Detection as the primary risk management modules. Additional modules include Digital Proof of Address, Qualified Electronic Signature (QES), Investigations and CDD Reporting, Re-KYC and Remediation, Anti-Financial Crime platform, Case Review Portal, and Client Authentication. All solutions are delivered through a single Fourthline API, allowing financial institutions to pick and choose modules suited to their business case and risk appetite. The platform is built on proprietary AI/ML models trained on domain-specific data, integrating document checks, biometrics, liveness detection, and behavioral signals into one adaptive stack.
Differentiator
Problem solved
Functional benefit
Products and services
- Document and Biometric Verification
Quantifiable outcome
- 390% risk-adjusted ROI for customers
- +4 more outcomes
Companies that use Fourthline
Customer profileNamed customers13 records
Segments7 records
Ideal customer profiles5 records
Fourthline technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability6 records
Feature6 records
Fourthline partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered major, core and strategic.
- LSEG Risk IntelligencemajorAnnounced partnership at Money 20/20 Europe as part of cross-border verification ecosystem. LSEG's Identity Gateway built on Microsoft Azure provides single API access to multiple European national digital identity schemes.
- DaonmajorAnnounced partnership at Money 20/20 Europe for continuous identity verification throughout customer lifecycle. Daon partnered with ebankIT to embed verification capabilities.
- AnyfincoreSwedish fintech company partnered with Fourthline to implement compliant identity verification across European markets. Fourthline supplies identity document verification, biometric authentication, and qualified electronic signature services with German eID integration planned for later in 2026.
- Bybit EUcoreDigital asset exchange partnered with Fourthline to enhance KYC compliance with Austrian regulatory requirements. Partnership launched in late 2025 following successful initial implementation, demonstrating measurable improvements in conversion rates and customer onboarding efficiency. Collaboration ensures compliance with EU financial regulations and MiCAR requirements.
- TiimestrategicFrench accounting software firm selected Fourthline to implement French compliant KYC solutions. Partnership aims to enhance Tiime's customer onboarding process and regulatory compliance using AI-powered verification services.
- crclestrategicLondon-based social networking platform partnered with Fourthline to integrate digital ID verification. Collaboration supports crcle's goal of creating the world's first verified social network, initially expanding in the UK before international markets.
- RevolutcoreProminent European fintech partnered with Fourthline for customer onboarding support. Fourthline provides biometric user onboarding and KYC technologies for Revolut's European operations.
- RivertystrategicGerman fintech company secured Fourthline's biometric-based customer digital identity verification for onboarding customers in Germany and the Netherlands. Represents shift away from traditional Video-Ident methods in Germany's regulated environment.
Scale indicators7 records
Recent moves7 records
Expansion highlights7 records
Fourthline competitors and assessment
Company assessmentDirect peers
- Veriff: Veriff provides AI-powered identity verification, KYC, and AML screening for fintechs and crypto platforms globally. It competes head-to-head with Fourthline in document verification, biometrics, and fraud detection on an API-first basis.
- Jumio: Jumio is a global identity verification and KYC/AML platform serving banks, fintechs, and crypto exchanges. It offers a comparable end-to-end verification stack and frequently appears in the same enterprise RFPs as Fourthline.
- Au10tix: Au10tix provides AI-driven identity verification, document authentication, and biometric liveness detection for financial institutions and digital platforms. Its product scope and target customer base closely mirror Fourthline's enterprise offering.
- IDnow: IDnow is a European-focused identity verification provider offering video ident, eID, KYC, and qualified electronic signatures. It directly overlaps with Fourthline's European regulated-bank and fintech customer base and product mix.
- Persona: Persona is an identity verification and KYC platform that combines document, biometric, and database checks via flexible APIs. While US-centric, it competes with Fourthline in serving global fintech and crypto clients needing configurable verification flows.
- Trulioo: Trulioo offers global identity verification and business verification through a single API, covering KYC/AML compliance. It overlaps with Fourthline's API-first enterprise model and serves many of the same cross-border financial institution clients.
- GBG (Acuant): GBG provides global identity verification, KYC, AML, and fraud prevention solutions used by banks and fintechs. It directly competes with Fourthline in regulated customer onboarding and identity data orchestration across European markets.
- Onfido (Entrust): Onfido is a leading AI-driven identity verification and KYC platform, now part of Entrust. It directly competes with Fourthline across document and biometric verification, serving European banks and fintechs with similar API-first delivery.
- Sumsub: Sumsub provides a full-cycle verification platform covering KYC, KYB, AML, transaction monitoring, and biometrics, with strong crypto and fintech penetration. It is a direct competitor to Fourthline's anti-financial crime stack across Europe.
Emerging players
- iDenfy: iDenfy offers AI-powered KYC, biometric verification, and AML screening on an API-first basis, primarily serving fintechs and crypto exchanges. It overlaps with Fourthline's mid-market and growth-stage fintech segments with comparable feature breadth.
Market position
Strengths3 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Fourthline social profiles
Digital presenceFourthline financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fourthline leadership team
Management profileNumber of profiles
Profiles9 records
Fourthline subsidiaries and ownership
Company hierarchySubsidiaries1 record
Fourthline funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fourthline 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 Fourthline
What does Fourthline do?
Fourthline provides an API-first, AI-powered identity verification and AML compliance platform that enables financial institutions to authenticate customer identities, screen for financial crime, and maintain regulatory compliance across European jurisdictions. The platform combines document authentication, biometric verification with liveness detection, eID verification, AML screening and monitoring, fraud detection, Qualified Electronic Signature, and re-KYC remediation into modular capabilities delivered through a single unified API and supporting mobile and web SDKs.
Is Fourthline a public or private company?
Fourthline is a private company. It is classified as venture growth investor backed and is currently operating.
When was Fourthline founded?
Fourthline was founded in 2017. It employs 251 to 500 people.
Where is Fourthline based?
Fourthline is headquartered in Amsterdam, Netherlands, in the Europe region.
How does Fourthline make money?
One revenue line is on record: identity Verification and KYC Services.
Who are Fourthline's main competitors?
Direct peers on record are Veriff, Jumio, Au10tix, IDnow, Persona, Trulioo, GBG (Acuant), Onfido (Entrust) and Sumsub. iDenfy is listed as an emerging player.
Does Fourthline have an API?
Yes. One API integration for KYC, AML, eID, and authentication solutions. Supports Mobile SDK (iOS, Android, cross-platform with App Drop-in and App Components), Web SDK (hosted web and mobile browser SDK), and API Only integration for full control over workflows and UI. Provides Postman collections for testing. Developer documentation is at docs.fourthline.com.
What industry is Fourthline in?
Fourthline's product category is Identity Verification and KYC/AML Compliance Software. Its primary akta.pro industry code is FSAGAFAA, Identity Verification & Digital ID (IDV, eIDAS, biometrics), with a secondary code of FSAFAOAG, Risk, Controls & Governance (GRC) Platforms. Its NAICS code is 522320 and its SIC code is 7370.