Atfinity: Software for KYC/KYB/AML and client onboardings

What Atfinity: Software for KYC/KYB/AML and client onboardings does

Atfinity AG is a Swiss-headquartered software company, founded in Zurich in 2016 by Alexander Balzer and Thorben Croisé, that builds a no-code process automation platform purpose-built for banks and regulated financial institutions. The platform's core is a deterministic AI Rule Engine that converts regulatory forms, checklists, directives, and risk matrices into executable business logic without coding, and is supported by three primary interfaces: a Case Manager for operations and compliance staff, an End-User Wizard for client-facing onboarding journeys, and a No-Code Studio that lets business users reconfigure workflows independently. It targets KYC/KYB/AML automation, end-to-end client lifecycle management, and loan origination workflows, with standard integrations into core banking systems (Avaloq, Finastra), CRMs (Salesforce, Microsoft Dynamics), screening providers (Refinitiv World-Check, ComplyAdvantage), identity verification (Scrive, SmartSearch), and transaction monitoring (Hawk AI, IMTF, Lucinity).

The platform is delivered via SaaS, private cloud, or on-premise deployment, with REST APIs and LDAP/Active Directory support, and is ISO 27001 certified. Atfinity has grown profitably without disclosed external funding, operates from Zurich (HQ), Geneva, Niš (Serbia engineering), and London, and serves 25+ named banking customers including BBVA, HBL Bank UK, Banque Richelieu, Banque Internationale à Luxembourg, BIL Suisse, DF Capital, Inecobank, Mercantil Private Banking, Radicant, Bitcoin Suisse, V-Bank, Attara, and Globalance. Revenue is generated exclusively through enterprise software subscriptions sold via a demo-driven direct sales motion, with multi-year contracts and quote-based pricing.

Go-to-market targets four banking segments — private banks, neo banks/fintechs, commercial and investment banks, and lenders — and the company positions its deterministic, regulator-approved approach as differentiated from generic generative-AI automation tools, reinforced by consecutive WealthBriefing European Awards wins for Best Onboarding Solution in 2024 and 2025. The most recent product expansion is a conversational AI onboarding layer (March 2026) integrating Claude and GPT-4o-mini via the Model Context Protocol, validated through an academic research collaboration with OST university.

Name

Atfinity: Software for KYC/KYB/AML and client onboardings

Legal name

Atfinity AG

Website

https://atfinity.swiss

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Atfinity provides a no-code AI-powered process automation platform for banks and regulated financial institutions, specializing in KYC/KYB/AML, client onboarding, lifecycle management, and loan origination, serving 25+ enterprise banking customers across Europe.

Ownership category

akta.pro rank

Product category

Banking Process Automation Software

NAICS

Custom Computer Programming Services (541511), Computer Systems Design Services (541512)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Digital Account Opening & Onboarding (eKYC, eSignature, Origination) (FSAGAAAB)

akta.pro secondary industries

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Digital Identity, eKYC & Borrower Verification (Lending-Focused) (FSAGAHAF), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)

Keywords

• Client onboarding software
• KYC automation platform
• AML compliance software
• Client lifecycle management
• No-code process automation

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Platform Subscription: Atfinity provides software and technology solutions exclusively to professional clients and regulated financial institutions. Revenue generated through software licensing and subscription fees for the no-code process automation platform. Offers SaaS, private cloud, and on-premise deployment options.

Pricing tiers

Distribution channels1 record

Marketing channels7 records

Core offering

Atfinity provides an AI-powered no-code process automation platform that converts banking forms, checklists, directives and risk matrices into executable business rules for KYC/KYB/AML compliance, client onboarding, client lifecycle management and loan origination. The platform combines a deterministic AI Rule Engine, a Case Manager for operations and compliance, an End-User Wizard for client-facing journeys and a No-Code Studio for business-user configuration, delivered as SaaS, private cloud or on-premise software to regulated financial institutions.

Product overview

Atfinity is a Swiss-engineered AI-powered no-code process automation platform designed exclusively for banks and financial institutions. The platform consists of a core AI Rule Engine that converts regulatory forms and checklists into deterministic, executable business logic. The platform provides three user interfaces: Case Manager for operations/compliance teams, End-User Wizard for client-facing journeys, and No-Code Studio for business users to configure workflows without coding. Key modules include Workflow and Case Orchestration for routing and approvals, Wizard Builder for guided client data collection, Document Engine with e-signatures, and Dashboards for real-time KPIs. The platform specializes in KYC/KYB/AML automation, Client Lifecycle Management (CLM), and Loan Origination processes, serving private banks, neo banks, commercial/investment banks, and lenders. Banks achieve go-live in 8-12 weeks with measurable ROI in under six months.

Differentiator

Problem solved

Functional benefit

Products and services

• Atfinity No-Code Process Automation Platform Core Atfinity platform combining a deterministic AI Rule Engine, Case Manager, End-User Wizard and No-Code Studio, delivered as SaaS, private cloud or on-premise software to regulated banks for automating onboarding, KYC/KYB/AML, client lifecycle management and loan origination.
• KYC/KYB/AML Automation End-to-end automation of Know Your Customer, Know Your Business and Anti-Money Laundering processes including client onboarding, periodic reviews and perpetual KYC monitoring for regulated financial institutions.
• Client Lifecycle Management (CLM) Comprehensive client lifecycle management covering onboarding, client changes, periodic reviews and offboarding with full auditability and regulatory compliance for private and commercial banks.
• Loan Origination End-to-end loan origination and underwriting automation from application through credit decisioning, documentation and funding, with integration to existing underwriting systems via API.

Quantifiable outcome

• Onboarding time reduced from 5 days to 4 hours (80% reduction)
• +6 more outcomes

Named customers13 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

Integration15 records

AI capability5 records

Feature7 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• V-BankcoreStrategic or Co-development Partner · 17 December 2025German-based V-Bank partnered with Atfinity for full digital onboarding capabilities. The partnership enables V-Bank to offer seamless digital client onboarding powered by Atfinity's no-code platform.
• SmartSearchcoreTechnology or Integration · 10 April 2024Partnership with SmartSearch for comprehensive onboarding solution including UBO and director identification for KYC/KYB workflows. Used in Attara case study implementation.
• ScrivecoreTechnology or Integration · 11 September 2023Partnership with Scrive to deliver compliant client journeys with digitally signed contracts. Integration for identity verification and electronic signing used in Attara implementation.
• Mountain PartnersminorStrategic or Co-development Partner · 3 August 2022Central Compliance App partnership with Mountain Partners automating their entire compliance process.
• Bitcoin SuissecoreStrategic or Co-development Partner · 4 June 2022Crypto pioneer Bitcoin Suisse partnered with Atfinity to enhance AML/KYC setup. Full digital onboarding and compliance automation for cryptocurrency services.
• FinnoconsultminorImplementation/ SI/ Consulting Partner · 27 May 2022Partnership with Finnoconsult to bring outstanding user experience to banking implementations.
• IMD Business SchoolminorStrategic or Co-development Partner · 17 February 2022Collaboration with IMD Business School in Lausanne through startup competition and research initiatives.
• Refinitiv WorldCheckcoreTechnology or IntegrationIntegration with Refinitiv WorldCheck for sanction and PEP screenings as part of KYC/KYB compliance workflows.
• ComplyAdvantagecoreTechnology or IntegrationIntegration with ComplyAdvantage for sanctions screening, transaction monitoring, and adverse media checks supporting AML compliance.
• AvaloqcoreTechnology or IntegrationStandard integration with Avaloq core banking system for seamless data exchange and elimination of double data entry. Used in BIL Suisse implementation.
• FinastracoreTechnology or IntegrationStandard integration with Finastra core banking platform for financial institutions using this system.
• OST (Eastern Switzerland University of Applied Sciences)minorStrategic or Co-development PartnerAcademic research collaboration on conversational AI and banking process automation. Research project on using MCP protocol for client onboarding.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Jumio: Jumio provides identity verification, KYC, and AML compliance solutions for banks and fintechs, addressing the same client onboarding and regulatory compliance workflow that Atfinity automates.
• Alloy: Alloy is an identity and fraud decisioning platform used by banks and fintechs to orchestrate KYC/KYB workflows and onboarding — directly overlapping with Atfinity's client onboarding and KYB use cases.
• Persona: Persona provides a flexible identity verification and KYC/KYB orchestration platform used by financial institutions; comparable in configurability and onboarding focus to Atfinity's no-code approach.
• Fenergo: Fenergo provides client lifecycle management (CLM), KYC/AML, and client onboarding software specifically for financial institutions including private, commercial, and investment banks — a directly comparable offering to Atfinity across the same core use cases.
• Onfido: Onfido offers AI-powered identity verification and KYC onboarding for financial services; comparable to Atfinity's eKYC and onboarding capabilities though more focused on the identity-verification layer than end-to-end orchestration.
• Trulioo: Trulioo provides global identity verification and business verification (KYB) services for banks and fintechs, comparable to Atfinity's onboarding and KYC/KYB capabilities at the data and verification layer.
• PassFort (Moody's): PassFort, now part of Moody's, offers a no-code workflow platform for KYC/AML onboarding automation — directly comparable to Atfinity's rule-engine-based onboarding approach, with the added distribution advantage of Moody's.

Emerging players

• ComplyAdvantage: ComplyAdvantage offers AML screening, transaction monitoring, and KYC data — Atfinity integrates with it, but it also offers adjacent workflow tools, making it a partial overlap rather than full direct competitor.
• Napier AI: Napier AI provides AML compliance and transaction monitoring solutions for financial institutions, with overlap on the compliance automation Atfinity delivers, though more focused on transaction monitoring than client onboarding.
• WorkFusion: WorkFusion offers AI-driven process automation for financial crime compliance, KYC/AML, and onboarding — overlapping with Atfinity in regulated banking process automation though with a broader financial-services focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@atfinityag
• LinkedInlinkedin.com/company/atfinity

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors3 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 Atfinity: Software for KYC/KYB/AML and client onboardings