Complok
Complok OÜ is an Estonian SaaS company that provides an AI-driven KYB compliance platform automating onboarding, screening, risk scoring, and audit trails for banks, fintechs, and crypto firms, complemented by an accredited compliance training academy.
- Company typePrivate
- Founded2020
- HeadquartersTallinn, Estonia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Complok does
Complok OÜ is an Estonian-headquartered, private SaaS company founded in 2020 that sells an AI-driven KYB (Know Your Business) compliance platform to regulated financial institutions. The platform automates client onboarding, sanctions/PEP/adverse-media screening, risk scoring, guided due diligence, continuous monitoring, and regulator-ready audit trails, and is anchored by a stated 90% automatic clearance rate for low-risk clients. Underpinning the platform is the RegLLM project — specialized large language models for European financial compliance automation — which has received non-dilutive funding from the European High-Performance Computing Joint Undertaking (grant agreement No. 101163317). The product stack is delivered as six integrated modules (white-label onboarding, automated screening, AI risk assessment, guided due diligence, continuous monitoring, one-click reporting).
Revenue is generated through two streams: a recurring KYB platform subscription starting at €100/month with a self-serve product-led growth motion, and one-time/per-seat compliance training courses via Complok Academy (€99-€999 per course, custom enterprise programs quoted separately), accredited under EU continuing-education license 229603. Named customers include Volvo, Finora Bank, LHV, Kriptomat, Wallester, and Numeri, spanning banking, crypto, payments, and corporate treasury. Marketing is primarily digital — website, LinkedIn, Ghost blog, and the Academy itself — with the entry pricing tier enabling PLG alongside enterprise sales. The company raised approximately $438K in April 2023 from Change Ventures, Techstars, and Tenity, complemented by EU grant funding for AI R&D.
Complok firmographics
Firmographics- Name
- Complok
- Legal name
- Complok OÜ
- Website
- https://complok.eu
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Complok OÜ is an Estonian SaaS company that provides an AI-driven KYB compliance platform automating onboarding, screening, risk scoring, and audit trails for banks, fintechs, and crypto firms, complemented by an accredited compliance training academy.
- Ownership category
- akta.pro rank
Complok industry classification
Industry- Product category
- Regulatory Compliance Software (KYB/AML RegTech)
- NAICS
- Software Publishers (5132), Computer Systems Design and Related Services (54151)
- SIC
- Finance Services (6199), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening) (FSAGAFAB)
- akta.pro secondary industries
- Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI), KYC/KYB Identity Verification & Onboarding (FSADALAA), KYC/KYB, Identity Verification & Customer Due Diligence (FSAFAOAE)
Keywords
Where Complok is headquartered
LocationHeadquarters
- HQ city
- Tallinn
- HQ country
- Estonia
- HQ region
- Europe
Offices1 record
Markets served
Complok business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Others
Revenue model
- KYB Compliance Platform Subscription: Monthly subscription-based SaaS platform for KYB compliance. Starting at €100 per month, providing automated onboarding, screening, risk assessment, and audit trail functionality.
- Compliance Training Courses: Online compliance training courses for regulated teams covering AML, KYC, risk, and virtual assets. Individual courses priced at €99-999 per person, with custom programmes available for financial institutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard KYB Platform - €100/month |
| Unit Pricing | Pay-as-you-go | AML/KYC Fundamentals - €99 + VAT |
| Unit Pricing | Pay-as-you-go | Financial Crime & Sanctions - €129 + VAT |
| Unit Pricing | Pay-as-you-go | Risk Management - €129 + VAT |
| Unit Pricing | Pay-as-you-go | KYC Programme - €129 + VAT |
| Unit Pricing | Pay-as-you-go | Data Requirements - €129 + VAT |
| Unit Pricing | Pay-as-you-go | Virtual Assets - €129 + VAT |
| Unit Pricing | Pay-as-you-go | AML Premium Training - €999 + VAT |
| Other | Multi-year contract | Custom Training Programmes - Custom pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Complok product offering
Product offeringCore offering
Complok sells an AI-powered KYB compliance SaaS platform that automates client onboarding, PEP/sanctions/adverse-media screening, transparent risk scoring, due diligence guidance, continuous monitoring, and one-click audit reporting for regulated financial institutions. Alongside the platform, it operates Complok Academy, an EU-licensed e-learning catalogue of certified AML/KYC/risk training courses for compliance teams.
Product overview
Complok offers a unified KYB compliance platform with AI-powered automation that clears 90% of clients automatically. The core platform comprises six integrated modules: White-Label Client Onboarding (auto-fetches registry data), Automated Screening (PEP/sanctions/adverse media), AI Risk Assessment (transparent scoring with recommendations), Guided Due Diligence (decision support), Continuous Monitoring (ongoing screening with due diligence dates), and One-Click Reporting (audit trail and PDF exports). Alongside the platform, Complok operates an e-learning Academy (Complok Academy) offering 12 certified compliance training courses spanning AML, KYC, financial crime, sanctions, risk management, data requirements, and virtual assets. Academy courses are accredited under EU continuing-education license 229603 and range from 1-hour fundamentals to 50-hour advanced programmes, with a custom training option for financial institutions.
Differentiator
Problem solved
Functional benefit
Brands
- Complok Academy: On-demand compliance training platform offering courses in AML, KYC, risk management, and virtual assets for regulated financial teams. Operates under EU continuing-education license number 229603.
Products and services
- Complok KYB Compliance Platform Unified AI-driven KYB compliance platform for regulated financial institutions, covering white-label onboarding, automated PEP/sanctions/adverse-media screening, transparent AI risk scoring, guided due diligence, continuous monitoring, and one-click audit reporting. Subscription starts at €100 per month and is used by banks, fintechs, crypto firms, and corporates such as Volvo, Finora Bank, LHV, Kriptomat, Wallester, and Numeri.
- Complok Academy (AML/KYC Training Catalogue) E-learning catalogue of certified compliance training courses for AML/KYC, sanctions, risk management, data privacy, and virtual assets, operated under EU continuing-education license 229603. Individual courses are priced €99–€999 + VAT and are aimed at compliance officers and regulated-firm staff.
- AML Premium Training (AC-01) Advanced two-week, 50 academic hour AML compliance programme for officers accountable to regulators. Covers culture, law, KYC, data, financial crime, virtual assets, risk, and case studies; includes two assignments, live Q&A, and a one-on-one exam.
- AML / KYC Fundamentals (AC-02) One-hour beginner course covering money laundering, customer checks, and high-risk indicators for new staff in regulated sectors including crypto.
- Financial Crime & Sanctions (AC-03) Two-hour course on money laundering, predicate offences, terrorism financing, international sanctions regimes, and crypto-specific financial crime risks.
- Virtual Assets (AC-10) Two-hour course on crypto, MiCA regulation, blockchain mechanics, AML law, supervisory bodies (FSA, FIU, EBA, AMLA), and suspicious activity reporting requirements.
- Custom Training Programmes (AC-12) Bespoke training programmes built with a financial institution's compliance team around its products, procedures, and regulatory expectations; delivered on the Complok e-learning platform with custom multi-year pricing.
Quantifiable outcome
- 90% of low-risk clients cleared automatically without manual intervention
- +2 more outcomes
Companies that use Complok
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles2 records
Complok technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability7 records
Feature5 records
Complok partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights6 records
Complok competitors and assessment
Company assessmentDirect peers
- Veriff: Estonia-headquartered identity verification and KYB platform serving global fintechs and crypto firms. Closest direct peer given shared Estonian roots, KYC/KYB focus, and overlapping customer base in EU crypto exchanges.
- Sumsub: Global KYC, KYB, and AML platform with strong crypto and fintech footprint. Directly competes with Complok across onboarding, screening, and continuous monitoring modules, but at significantly larger scale.
- Onfido: KYC/KYB identity verification provider serving banks and fintechs globally. Competes with Complok on automated onboarding and screening, with a broader geographic and product footprint.
- ComplyAdvantage: AML, KYC, and transaction monitoring platform serving financial institutions. Comparable in customer overlap and risk-scoring product surface, with a deeper sanctions/PEP data heritage.
- iDenfy: Lithuania-based KYC/AML and KYB provider covering onboarding, screening, and ongoing monitoring. Direct regional peer for Complok across Baltics and EU fintech customers.
- PassFort: KYC/AML workflow automation platform for fintechs and banks with a similar SaaS onboarding-and-monitoring product shape. Comparable in product-led growth and mid-market positioning.
- NorthRow: UK-based KYC and AML SaaS platform focused on regulated firms with onboarding, screening, and ongoing monitoring. Comparable product scope for European financial institutions.
- HAWK:AI: German-headquartered AML transaction monitoring and customer screening platform for banks and fintechs. Overlaps with Complok on screening and risk scoring, with stronger transaction monitoring depth.
Broad incumbents
- Moody's (Bureau van Dijk): Owns Bureau van Dijk, which provides business data, UBO information, and compliance workflow tools. Adjacent incumbent serving larger enterprises that need corporate registry and ownership data feeding KYB decisions.
- Dun & Bradstreet: Global business data and KYB data provider with corporate registry, UBO, and risk data products. Comparable use case (KYB due diligence) but as part of a much broader data portfolio.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Complok social profiles
Digital presenceComplok financial estimates
Financial estimateRevenue estimate
Valuation estimate
Complok leadership team
Management profileNumber of profiles
Profiles1 record
Complok funding detail
Funding detailFunding overview
Funding rounds1 record
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Complok M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Complok
What does Complok do?
Complok sells an AI-powered KYB compliance SaaS platform that automates client onboarding, PEP/sanctions/adverse-media screening, transparent risk scoring, due diligence guidance, continuous monitoring, and one-click audit reporting for regulated financial institutions. Alongside the platform, it operates Complok Academy, an EU-licensed e-learning catalogue of certified AML/KYC/risk training courses for compliance teams.
Is Complok a public or private company?
Complok is a private company. It is classified as venture growth investor backed and is currently operating.
When was Complok founded?
Complok was founded in 2020. It employs 11 to 50 people.
Where is Complok based?
Complok is headquartered in Tallinn, Estonia, in the Europe region.
How does Complok make money?
Two revenue lines are on record. KYB Compliance Platform Subscription is the primary driver. The others are compliance Training Courses.
Who are Complok's main competitors?
Direct peers on record are Veriff, Sumsub, Onfido, ComplyAdvantage, iDenfy, PassFort, NorthRow and HAWK:AI. Broad incumbents are Moody's (Bureau van Dijk) and Dun & Bradstreet.
Does Complok have an API?
No public API is recorded for Complok.
What industry is Complok in?
Complok's product category is Regulatory Compliance Software (KYB/AML RegTech). Its primary akta.pro industry code is FSAGAFAB, KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening), with a secondary code of BPAMAFAI, Fraud, Risk, KYC/AML & Compliance Platforms. Its NAICS code is 5132 and its SIC code is 6199.