Visible Capital

What Visible Capital does

Visible Capital is a UK-based fintech founded in 2018 and headquartered in Edinburgh, Scotland. Per its firmographic profile, the company uses PSD2 and Open Banking APIs to automate the collection of financial information required to onboard customers, implying a B2B proposition that targets regulated financial services firms (lenders, advisers, wealth managers) seeking to streamline KYC, affordability, and risk-assessment workflows using bank-account data. The company operates with a headcount in the 11-50 band and remains privately held, with no public revenue or valuation disclosure.

The company is co-founded by Ross Laurie (CEO), Christian Burgin (CPO), and Richard Braidwood (COO), with Diego Diquattro serving as Chief Technology Officer — a leadership profile consistent with a data-engineering-led Open Banking build. In December 2019, Visible Capital closed a seed round of approximately $651,321 led by Techstart Ventures, a Scottish seed fund with a track record in early-stage fintech, providing initial capital for product and integration development. The disclosed go-to-market relies on direct channels (phone, website, and — — integrations with UK adviser platforms IRESS, intelliflo, and CashCalc) rather than a broad marketing spend.

Note on data quality: the available source material includes a detailed profile describing Visible Capital as a Kyiv-headquartered secured real-estate lender offering 1.5% monthly interest loans of 20K-20M UAH against Ukrainian property collateral. This conflicts directly with the firmographic record of an Edinburgh-based PSD2 onboarding company and the Techstart Ventures investment thesis. The description above is grounded in the firmographic, funding, and leadership data, which are internally consistent; the content is treated as an unresolved data anomaly and reflected in the strategic-moves and expansion-signals sections where it provides the only available evidence on product, pricing, and partner integrations.

Name

Visible Capital

Legal name

Visible Capital

Website

https://visiblecapital.io

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Visible Capital is an Edinburgh-based fintech founded in 2018 that uses PSD2 and Open Banking APIs to automate customer-onboarding data collection for UK regulated financial services firms, seed-funded by Techstart Ventures in 2019.

Ownership category

akta.pro rank

Product category

Open Banking / Financial Data Aggregation

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI)

Keywords

• Open banking APIs
• PSD2 data aggregation
• Customer onboarding automation
• Financial data integration
• Digital KYC verification

Headquarters

HQ city

Edinburgh

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Secured Lending Interest Income: Visible Capital generates revenue through interest charged on secured loans against real estate. The fixed interest rate is 1.5% per month on outstanding loan balances. Loan terms range from 2 to 84 months, with amounts from 20,000 to 20,000,000 Ukrainian hryvnias.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Visible Capital uses PSD2 / Open Banking data to automate the collection of financial information required to onboard customers. The product replaces manual document-based KYC and affordability checks with API-driven access to verified bank-account data, targeting financial services firms that need faster, regulated customer onboarding.

Product overview

Visible Capital offers a unified secured lending platform providing various loan products backed by real estate and vehicle collateral. The core offering is credit under pledge of real estate, with specialized variants for commercial properties, land plots, houses, and apartments. Additional vehicle financing is available through car-secured loans. All products feature a fixed 1.5% monthly interest rate, loan amounts up to 20,000,000 hryvnias (up to 80% of collateral market value), terms from 2 to 84 months, and no income verification requirements.

Differentiator

Problem solved

Functional benefit

Products and services

• PSD2 / Open Banking Onboarding Automation Platform

Quantifiable outcome

• Pre-decision on loan application provided within 7 minutes
• +1 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Plaid: US-headquartered open-banking connectivity and consumer-permissioned data platform; comparable to Visible Capital because it serves the same core use case of automating access to bank account data for onboarding, KYC, and risk workflows, though at vastly greater scale and capital base.
• Tink: Stockholm-based open-banking platform (now owned by Visa) offering account aggregation, PFM, and risk insights across Europe; comparable to Visible Capital as a larger, broader incumbent in the same PSD2 connectivity and onboarding space.
• Nordigen (now Mastercard): Latvia-origin open-banking data API provider acquired by Mastercard, providing free PSD2 account information across the EU/UK; comparable to Visible Capital in open-banking data aggregation, but operating at incumbent scale within a major payments network.

Direct peers

• TrueLayer: London-based open-banking API platform providing account connectivity, payments initiation, and verification services across the UK and Europe; directly comparable to Visible Capital as a European PSD2-focused competitor targeting the same fintech and bank onboarding use cases.
• Yapily: London-based open-banking infrastructure provider offering account information and payment initiation APIs; directly comparable to Visible Capital as a UK/EU PSD2-native competitor in onboarding and account data aggregation.
• Salt Edge: Open-banking API platform with strong European and global bank coverage offering account information, payment initiation, and KYC solutions; directly comparable to Visible Capital in PSD2-driven onboarding automation.

Emerging players

• Onfido: London-based identity verification and KYC platform using document and biometric checks; an adjacent, emerging peer to Visible Capital in the broader onboarding automation stack, competing for the same compliance and KYC budget.
• Personetics: Provider of financial-data-driven banking analytics and customer engagement tools, with overlap to Visible Capital where onboarding uses account-data signals for verification and affordability assessment.
• Bud Financial: UK-based open-banking data and transaction insights platform serving banks and lenders; comparable to Visible Capital as an emerging PSD2-era UK fintech applying account-data APIs to onboarding, lending decisions, and customer workflows.

Regional players

• ClearBank: UK-based cloud-native clearing bank with embedded onboarding and KYC infrastructure; comparable to Visible Capital as a UK-centric onboarding-and-finance infrastructure player, though competing from the regulated banking side rather than as a fintech API layer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/VisibleCapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors1 record

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 Visible Capital