FinClusive
FinClusive is a US-based financial technology company founded in 2017 that provides API-driven Compliance as a Service (KYC/KYB, sanctions screening, transaction monitoring, digital identity, and LEI issuance) to banks, fintechs, VASPs, NGOs, and corporates, integrating traditional banking rails with blockchain networks across 170+ countries.
- Company typePrivate
- Founded2017
- HeadquartersGuilford, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What FinClusive does
FinClusive Capital, Inc. is a US-based financial technology company founded in 2017 that operates a Compliance as a Service (CaaS) platform providing automated, full-stack financial crimes compliance (FCC) for traditional banks, fintechs, virtual asset service providers (VASPs), decentralized finance applications, NGOs, and corporates with global supply chains. The platform integrates KYC/KYB verification, sanctions and PEP screening (500+ global lists), transaction monitoring, blockchain analytics, and digital identity credentials into a single API-driven workflow with near-instantaneous verification (1 minute or less) and global coverage in 170+ countries. Supporting products include FinClusive ID (FinCID) portable verifiable identity credentials, CDD Check Connect (a shared KYC/KYB utility), GLEIF-certified Legal Entity Identifier (LEI) issuance, the CaaS Gateway (a compliant bridge between ACH/SWIFT and blockchain networks including Stellar, Algorand, Celo, and Cardano), and the FinRisk risk-scoring engine.
The technology stack is delivered through a fully API-enabled platform with a web-based UI, sandbox access, and developer documentation, enabling both self-serve and enterprise field-sales onboarding. Distribution occurs via direct API sales, partner-bank relationships (Live Oak Bank and Cross River Bank serve as FDIC-insured bank-of-record partners), and integrations with exchanges (Coinbase, Kraken, Circle) and data providers (GBG, TRM Labs, Mitek, IDology, Dark Owl, K2 Integrity, among others). FinClusive generates revenue primarily through subscription-based platform access and API usage for compliance orchestration, recurring LEI issuance and renewal fees, and professional services for managed analyst support, with quote-based enterprise pricing.
The company holds SOC 2 Type I and Type II certifications (annually since 2020), completed an ACH Audit and NACHA review in August 2022, and became the first compliance platform to receive SAFETY Act Designation from the U.S. Department of Homeland Security in July 2025. FinClusive is led by Founder and CEO Amit Sharma and operates from Guilford, Connecticut (corporate headquarters at 577 Bullock Drive) and New York (632 Broadway, 4th Floor), with 11-50 employees and no disclosed funding rounds or revenue figures.
FinClusive firmographics
Firmographics- Name
- FinClusive
- Legal name
- FinClusive Capital, Inc.
- Website
- https://finclusive.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- FinClusive is a US-based financial technology company founded in 2017 that provides API-driven Compliance as a Service (KYC/KYB, sanctions screening, transaction monitoring, digital identity, and LEI issuance) to banks, fintechs, VASPs, NGOs, and corporates, integrating traditional banking rails with blockchain networks across 170+ countries.
- Ownership category
- akta.pro rank
FinClusive industry classification
Industry- Product category
- RegTech Compliance Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Financial Crime Compliance (AML/KYC/Sanctions) (BPAEAPAK)
- akta.pro secondary industries
- Transaction Screening, Sanctions & Compliance Controls (FSAPAJAE), Decentralized Identity & Verifiable Credentials for Finance (DID/KYC Reuse) (FSAGAMAE), Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI), Governance, Controls & Policy Automation (GRC for Web3) (FSAPAJAG)
Keywords
Where FinClusive is headquartered
LocationHeadquarters
- HQ city
- Guilford
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
FinClusive business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Compliance as a Service (CaaS) Platform: Subscription-based compliance orchestration platform providing KYC/KYB verification, sanctions screening, transaction monitoring, and digital identity credentials. Revenue derived from platform access, API usage, and compliance workflow orchestration.
- Legal Entity Identifier (LEI) Services: Issuance and validation of LEIs as a certified GLEIF agent. Revenue from LEI issuance and renewal fees.
- Managed Services Support: Scalable analyst pool for CaaS implementation support, overflow volume handling, transaction alert investigations, and reporting. US-based and international support available.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Demo and sandbox access available for evaluation |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
FinClusive product offering
Product offeringCore offering
FinClusive operates a full-stack financial crimes compliance (FCC) orchestration platform delivered as Compliance as a Service (CaaS), integrating KYC/KYB verification, sanctions screening, transaction monitoring, blockchain analytics, digital identity credentials (FinCID), and legal entity identifier (LEI) issuance into a single API-driven workflow. The platform connects traditional banking rails with virtual asset networks via the CaaS Gateway, enabling compliant account creation, fund movement, and payments across fiat and blockchain networks for fintechs, VASPs, banks, and corporates.
Product overview
FinClusive is a Global Compliance, Digital Identity & Payments Platform designed for inclusion in financial services. The platform operates as a unified ecosystem centered on Compliance as a Service (CaaS), which serves as the core orchestration layer integrating KYC/KYB, sanctions screening, transaction monitoring, and AML controls. Supporting this core are FinCID (compliance-backed verifiable digital identity credentials), CDD Check Connect (shared KYC/KYB utility for instant verification), Legal Entity Identifiers (GLEIF-certified LEI issuance/validation), and the CaaS Gateway (connecting traditional banking rails with blockchain networks for compliant fund movement). The FinRisk Engine provides dynamic risk scoring to distinguish actual vs. perceived risk. All functionality is API-driven with web-based UI access, enabling embedded compliance across traditional banks, fintechs, VASPs, and decentralized finance applications.
Differentiator
Problem solved
Functional benefit
Brands
- Compliance as a Service (CaaS): Automated full-stack financial crimes compliance (FCC) solution for traditional banks, fintechs, VASPs, and Defi applications
- FinCID
- CDD Check Connect
- Legal Entity Identifiers (LEIs)
- CaaS Gateway
- FinRisk
Products and services
- Compliance as a Service (CaaS) Automated, full-stack financial crimes compliance (FCC) solution delivered as a single workflow that integrates KYC/KYB, sanctions screening, transaction monitoring, digital identity credentials, and analytics for traditional banks, fintechs, virtual asset service providers, and web-based financial applications.
- FinClusive ID (FinCID) Portable, user-owned KYC/KYB credential backed by comprehensive due diligence, serving as a sanctioned digital identity credential that enables verification without redundant KYC processes or disclosure of sensitive personal information.
- CDD Check Connect Global KYC/KYB shared utility that enables financial services providers to verify and validate customer compliance information while maintaining privacy protocols, providing near-instantaneous client verification and supporting LEI validation.
- Legal Entity Identifiers (LEIs) Certified issuance and validation of Legal Entity Identifiers globally through a GLEIF partnership, enabling clear identification of legal entities participating in financial transactions and supporting comprehensive KYB verification.
- CaaS Gateway Compliant gateway that connects traditional banking with blockchain and virtual asset networks for organizations to create and manage accounts and facilitate the movement of funds globally across ACH, SWIFT, Stellar, Algorand, Cardano, and Celo rails, with embedded AML compliance.
- FinRisk Engine Risk management engine that combines rules-based escalation, dynamic risk scoring, and enhanced compliance controls to help organizations manage actual versus perceived risk across diverse risk profiles, combining user-supplied, third-party, and validated data sources.
Quantifiable outcome
- Near-instantaneous KYC/KYB verification in 1 minute or less
- +2 more outcomes
Companies that use FinClusive
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles4 records
FinClusive technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration21 records
AI capability4 records
Feature6 records
FinClusive partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered strategic, core and minor.
- EMTECHstrategicPartnership to enable compliance-first innovation in central bank and financial services infrastructure. Joint effort to integrate FinClusive's FCC platform with EMTECH's central bank digital currency infrastructure solutions.
- Switch Reward CardstrategicStrategic partnership to streamline compliance processes across Switch's reward card network. Integration of FinClusive's CaaS for AML compliance within Switch's payment infrastructure.
- FintivstrategicIntegration partnership combining compliance and digital payment solutions for secure, global financial transactions. Joint solution leveraging FinClusive's FCC platform with Fintiv's payment capabilities.
- GLEIF (Global Legal Entity Identifier Foundation)coreCertified GLEIF validation agent enabling FinClusive to issue and validate Legal Entity Identifiers globally. Supports the LEI initiative backed by G20 and Financial Stability Board as the global standard for legal entity identification.
- Live Oak BankcoreFDIC-insured banking partner providing FBO account services and bank-of-record functions. Part of FinClusive's compliant gateway infrastructure for traditional banking access.
- Cross River BankcoreFDIC-insured banking partner providing bank-of-record services. Partner in FinClusive's CaaS Gateway for compliant fund movements and treasury services.
- Stellar Development FoundationcoreBlockchain network integration for Stellar network connectivity. FinClusive maintains nodes across Stellar blockchain for US banking access and payment routing.
- AlgorandcoreBlockchain network integration for Algorand connectivity. Enables multi-rail payment processing across traditional and virtual asset networks.
- Celo FoundationcoreBlockchain network integration for Celo mobile-first blockchain. Part of FinClusive's multi-blockchain payment infrastructure.
- CoinbasecoreExchange integration for USD fiat to virtual asset conversions and on/off ramp services within the CaaS Gateway.
- KrakencoreExchange integration for virtual asset to fiat conversions and liquidity services in the compliant payment gateway.
- CirclecoreUSDC stablecoin integration for fiat-virtual asset conversions and cross-border payment capabilities.
- Chamber of Digital CommerceminorIndustry alliance member for digital commerce advocacy and standards development.
- Global Digital Finance (GDF)minorIndustry alliance member for global digital finance standards and best practices.
- TRISAminorTravel Rule Information Sharing Alliance member for VASP compliance in virtual asset transactions.
- Global DCAminorDigital Currency Association partner for industry standards and compliance frameworks.
- Sovrin FoundationstrategicFounding partner of Compliance and Inclusive Finance Working Group (CIFWG). Collaboration on self-sovereign identity standards and Rulebook development for financial services governance.
- Blockchain AllianceminorIndustry alliance for blockchain ecosystem standards and public-private coordination.
- DIACC CCIANminorDigital Identity and Authentication Consortium of Canada member for cross-border identity standards.
- Crypto Market Integrity Coalition (CMIC)minorCoalition member working on market integrity standards and regulatory engagement for the crypto industry.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
FinClusive competitors and assessment
Company assessmentDirect peers
- Chainalysis: Provides blockchain analytics, transaction monitoring, and AML/compliance software for VASPs, banks, and regulators — the most directly comparable competitor in the virtual-asset compliance segment FinClusive targets with its CaaS platform and CaaS Gateway.
- TRM Labs: Blockchain intelligence and AML platform for crypto compliance, fraud detection, and transaction monitoring. Notable overlap with FinClusive's compliance offering; TRM is also listed as a FinClusive integration partner, making it a direct competitive and ecosystem peer.
- Elliptic: Blockchain analytics and crypto compliance platform offering AML, sanctions screening, and wallet screening for VASPs and financial institutions. Comparable in serving the same VASP/bank compliance buyer with blockchain-native AML capabilities.
- Sumsub: Full-stack verification platform offering KYC, KYB, AML, transaction monitoring, and fraud prevention for fintechs and crypto businesses. Closely matches FinClusive's CaaS positioning as a one-stop compliance workflow for fintechs and VASPs.
- ComplyAdvantage: AI-driven AML and sanctions screening platform with KYC/KYB capabilities serving banks, fintechs, and crypto firms. Highly comparable to FinClusive's core KYC/sanctions/translation-monitoring stack with similar enterprise target buyer.
- Persona: Identity verification and KYC/KYB platform with flexible orchestration and configurable workflows for fintech and digital-first companies. Comparable to FinClusive's KYC/KYB/CDD Check Connect capabilities and developer-first API approach.
- Jumio: End-to-end identity verification, KYC, and AML platform for banks, fintechs, and crypto businesses. Overlaps with FinClusive on identity verification and onboarding workflows; serves a similar enterprise and digital-asset customer base.
- Alloy: Identity and compliance orchestration platform combining KYC/KYB, AML, fraud, and risk decisioning for banks and fintechs. Closely parallels FinClusive's orchestration layer and serves the same fintech/bank buyer with API-first delivery.
- Veriff: Identity verification and KYC platform with biometric authentication, document verification, and AML screening. Comparable to the identity-verification portion of FinClusive's CaaS and FinCID offerings, particularly for crypto and fintech onboarding.
- GBG: Identity verification, KYC/KYB, and fraud prevention provider for regulated enterprises; also a FinClusive integration partner. Highly comparable technology overlap and a similar regulated-customer footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
FinClusive social profiles
Digital presenceFinClusive compliance and trust
Trust signalCompliance4 records
FinClusive financial estimates
Financial estimateRevenue estimate
Valuation estimate
FinClusive leadership team
Management profileNumber of profiles
Profiles1 record
FinClusive funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FinClusive 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 FinClusive
What does FinClusive do?
FinClusive operates a full-stack financial crimes compliance (FCC) orchestration platform delivered as Compliance as a Service (CaaS), integrating KYC/KYB verification, sanctions screening, transaction monitoring, blockchain analytics, digital identity credentials (FinCID), and legal entity identifier (LEI) issuance into a single API-driven workflow. The platform connects traditional banking rails with virtual asset networks via the CaaS Gateway, enabling compliant account creation, fund movement, and payments across fiat and blockchain networks for fintechs, VASPs, banks, and corporates.
When was FinClusive founded?
FinClusive was founded in 2017. It employs 11 to 50 people.
Where is FinClusive based?
FinClusive is headquartered in Guilford, United States, in the North America region.
How does FinClusive make money?
Three revenue lines are on record. Compliance as a Service (CaaS) Platform is the primary driver. The others are legal Entity Identifier (LEI) Services and managed Services Support.
Who are FinClusive's main competitors?
Direct peers on record are Chainalysis, TRM Labs, Elliptic, Sumsub, ComplyAdvantage, Persona, Jumio, Alloy, Veriff and GBG.
Does FinClusive have an API?
Yes. FinClusive offers a fully API-enabled platform with web-based user interface. The platform provides API-driven connectivity for integrations, including developer workflows, sandbox testing environment, and production API access. APIs enable client onboarding with KYC/KYB-backed credential assignment, transaction monitoring, AML controls, and gateway services connecting traditional banking with blockchain networks. Developer documentation is at developer.finclusive.com/apis.
What industry is FinClusive in?
FinClusive's product category is RegTech Compliance Software. Its primary akta.pro industry code is BPAEAPAK, Financial Crime Compliance (AML/KYC/Sanctions), with a secondary code of FSAPAJAE, Transaction Screening, Sanctions & Compliance Controls. Its NAICS code is 522320 and its SIC code is 6199.