What iuvity does

iuvity (legal entity TODO1 Services Inc., DBA iuvity) is a private financial technology company that builds digital banking and financial-crime-prevention software for banks, credit unions, digital cooperatives, and fintechs across Latin America and the United States. Founded in 2001 and headquartered in Miami with regional offices in Medellín and Quito, the company rebranded from TODO1 to iuvity in 2022 and was absorbed into the Constellation Software Inc. ecosystem through subsidiary Aquila in 2023.

Its product architecture centers on the Open Service Platform (iuviOPEN), a cloud-first, API-based platform exposing more than 300 APIs that powers the company's flagship iuviBANKING digital banking suite (online, mobile, retail, SMB, corporate, and wealth channels), the iuviPROFILER real-time fraud detection engine (built on Neo4j graph technology across 250M nodes and 2.2B relationships, with AI/ML and behavioral biometrics), the iuviNOW digital engagement solution, the SARA fraud-rule optimization assistant, and the PÁGALO payments platform. These are delivered alongside managed services branded AaaS (Analytics as a Service) and OaaS (Operation as a Service), all held together by a micro-frontend architecture and pre-integrations with core banking platforms including Mambu and Jack Henry's SilverLake System.

iuvity sells primarily through direct enterprise field sales with a quote-based SaaS subscription model, supplemented by channel partnerships (Mambu, Jack Henry, MX Technologies) that extend reach into global core banking and Open Finance ecosystems. The platform serves more than 20 million registered users and processes over 4 billion transactions per year at 99.9% availability, with named customers including Bancolombia, Davivienda, Banco Inter, Bantrab, Finandina, Coltefinanciera, Helm, Iris, Mundo Mujer, Comultrasan, Banco Union, and fintech Powwi. Revenue is not publicly disclosed; revenue streams comprise SaaS subscriptions, managed services (OaaS), and analytics services (AaaS), with ISO 27001 and SOC 1 Type 2 / SSAE 18 certifications supporting enterprise procurement cycles.

Name

iuvity

Legal name

TODO1 Services Inc.

Website

https://iuvity.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

251–500 employees

Short description

iuvity (formerly TODO1) provides cloud-based digital banking and AI-powered fraud prevention software to banks, credit unions, and fintechs across Latin America and the United States via its Open Service Platform with 300+ APIs, serving over 20 million registered users across 7+ countries and operating as a subsidiary of Constellation Software Inc. (Aquila) since 2023.

Ownership category

akta.pro rank

Product category

Digital Banking Software

NAICS

Computer Systems Design and Related Services (54151), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

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

akta.pro primary industry

Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI)

akta.pro secondary industries

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Compliance & Regulatory Operations (AML/KYC, Reporting, Audit) (FSAGAAAL)

Keywords

• Digital banking platform
• Fraud detection software
• Core banking integration
• Open banking APIs
• Financial crime analytics

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription: Cloud-first digital banking solutions delivered as SaaS with subscription pricing model. Platform provides continuous updates, maintenance, and support as part of the subscription.
2. Operation as a Service (OaaS): Managed services offering for ongoing operation and management of digital banking infrastructure, including monitoring, support, and continuous improvement.
3. Analytics as a Service (AaaS): Analytical services including fraud analytics, business intelligence, and performance optimization delivered as a service.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

iuvity provides cloud-first digital banking and financial crime analytics software to banks, credit unions, and fintechs across Latin America and North America. Its flagship Open Service Platform (OSP / iuviOPEN) exposes 300+ APIs and powers modular products including iuviBANKING (micro-frontend digital channels), iuviPROFILER (AI-driven fraud detection on a Neo4j graph), iuviNOW (digital engagement), SARA (fraud rule optimization), Brand Protection, and managed services AaaS and OaaS.

Product overview

iuvity operates a platform-plus-modules architecture built on its Open Service Platform (OSP/iuviOPEN) with more than 300 APIs. The core products include iuviBANKING (micro-frontend-based digital banking platform for online/mobile channels across retail, corporate, and wealth segments) and iuviPROFILER (real-time AI-powered fraud detection with behavioral biometrics). These are complemented by iuviNOW (digital engagement/office solution), SARA (fraud system optimization analytics), Digital Channels (omnichannel capabilities), Brand Protection (anti-brand abuse), and service offerings AaaS (analytics) and OaaS (managed operations). All products leverage the OSP's API-first architecture and integrate with core banking partners including Mambu and Jack Henry.

Differentiator

Problem solved

Functional benefit

Brands

• iuviPROFILER: Real-time fraud detection solution built on graph database technology, processing 500 transactions per second across 250 million nodes and 2.2 billion relationships, delivering 200% improvement in fraud detection rate
• iuviOPEN
• iuviBANKING
• iuviNOW
• SARA
• PÁGALO

Products and services

• iuviOPEN (Open Service Platform) A secure, flexible, open banking platform with 300+ APIs that lets financial institutions build digital experiences using any front-end tool or programming language.
• iuviBANKING A cloud-first, micro-frontend digital banking platform for online and mobile channels serving retail, SMB, corporate, and wealth segments.
• iuviPROFILER A real-time AI and behavioral-biometrics fraud detection and management solution that profiles users and devices to identify anomalous behavior and prevent digital fraud.
• iuviNOW
• SARA (Smart Anti-fraud Rule Assistant) An analytical solution that benchmarks and optimizes existing anti-fraud systems through data analysis, dashboards, and rule-package recommendations.
• Digital Channels (Canales Digitales)
• Brand Protection
• AaaS (Analytics as a Service)
• OaaS (Operation as a Service)

Quantifiable outcome

• 200% improvement in fraud detection rate
• +4 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability8 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• MambucoreTechnology or Integration · 24 May 2023Strategic partnership announced May 24, 2023, for pre-integrated solutions between iuvity's digital banking platform and Mambu's cloud core banking platform. The partnership enables financial institutions to launch 100% digital functionalities in a few months, combining iuvity's digital banking capabilities with Mambu's deposit and loan core banking engine.
• Jack HenrycoreTechnology or Integrationiuvity joined the Jack Henry Vendor Integration Program (VIP), enabling integration with SilverLake System. This partnership allows iuvity to offer its digital banking solutions to Jack Henry's extensive credit union and bank client base in North America.
• Neo4jcoreTechnology or Integrationiuvity's iuviPROFILER fraud detection solution is built on Neo4j's graph database technology. Neo4j's graph technology enabled iuvity to overcome speed and scalability challenges that made traditional relational databases impractical for real-time fraud assessment.

Scale indicators15 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• NICE Actimize: NICE Actimize is a large incumbent provider of financial crime, AML, and fraud management software to global banks. It competes with iuviPROFILER and SARA in the fraud/AML analytics category and has a much larger enterprise install base.
• Q2 Holdings: Q2 Holdings provides digital banking solutions to US community banks and credit unions, an overlap with iuvity's North American expansion path via the Jack Henry partnership. It serves a similar buyer profile at larger scale in the US market.
• Temenos: Temenos is a large established banking software vendor offering core, digital, and analytics products. It competes with iuvity in digital banking front-ends for large global banks and is significantly larger, but its broad portfolio is the main differentiator versus iuvity's focused LatAm platform play.
• NCR Voyix (Digital Banking): NCR Voyix's Digital Banking business sells online and mobile banking platforms to US banks and credit unions. It overlaps with iuvity's iuviBANKING product in target buyer and channel (community financial institutions), and has a much larger US footprint.

Direct peers

• Backbase: Backbase is a global digital banking platform provider offering an Engagement Banking Platform that competes head-to-head with iuvity's iuviBANKING and iuviOPEN. Both companies sell white-label digital banking software to banks and credit unions, with API-first architectures and similar target segments.
• Mambu: Mambu is a cloud-native core banking platform also partnered with iuvity. It overlaps in the digital banking and embedded-finance space and represents both a partner and a partial competitor for joint go-to-market opportunities, especially with neobanks and digital cooperatives.
• Feedzai: Feedzai provides AI-based financial crime and fraud detection software for banks and fintechs, directly comparable to iuviPROFILER. Both compete for fraud analytics budget at Tier 1 financial institutions globally.

Emerging players

• MX Technologies: MX Technologies provides Open Finance data connectivity, account aggregation, and financial insights, and is also a partner of iuvity. It overlaps in the financial-data/insights layer and is increasingly an adjacent competitor for unified data experiences.
• Plaid: Plaid is a leading open banking and financial data connectivity platform. While primarily a consumer-permissioned data network, it is increasingly relevant to iuvity's embedded finance and open banking strategy in the Americas.
• Nymbus: Nymbus is a digital banking-as-a-service platform focused on launching neobanks and digital offerings for community financial institutions. It overlaps with iuvity's iuviOPEN and cooperative/credit-union segments and competes for similar mid-market digital transformation budgets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/iuvity
• LinkedInlinkedin.com/company/iuvity
• Xx.com/iuvityco

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

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 iuvity