X-Company

What X-Company does

X-Company (legal entity X-COMPANY SPA, Chilean RUT 77.650.431-9) is a Santiago-based AI and data science startup founded in 2022 that operates an integrated ecosystem across three divisions: X-Consulting (advanced data science and AI consulting), X-Academy (data science and machine learning bootcamps), and X-Products (an AI-powered compliance product suite). The company's commercial center of gravity is the Compliance Xpert platform, launched in June 2024, which integrates seven products — Monitor GeoAML Scoring (the first national geographic LA/FT risk monitor in Chile, built with ANID 'Fondo de startup ciencia' funding and using machine learning models with expert-validated weighted risk parameters), Sentinel (an anti-corruption monitor for public officials combining conjoint analysis, behavioral anomaly detection, machine learning, and a generative AI virtual assistant), Business Insights (KYB company intelligence), Lista de Sanciones (sanctions screening backed by Infoprobidad and OFAC), Score LA/FT por País (country risk scoring built on the Basel AML Index 2023), Delfos (expert criteria quantification), and Xpert Copilot (a generative AI virtual compliance assistant). The technical stack spans machine learning, georeferencing, data science, generative AI, web scraping, advanced analytics, and interactive visualization.

The company monetizes through three streams: AI products sold via online credit-pack subscriptions (credit validity tied to contracted plan period, non-transferable, with 90-day warranty forfeited upon first credit use), consulting engagements acquired through sales-led motion with free diagnostic consultations, and X-Academy training programs. Target customers are Chilean financial institutions (banks, investment firms) and the broader population of companies required to implement crime prevention models under Chile's Law 20.393 and the Economic Crimes Law (Law 21.595, effective September 1, 2024), including SMBs without dedicated compliance teams. The platform is positioned to address the inefficiency that in 2023, of 1.8 billion transfers and 2.44 million cash operations over USD 10,000 in Chile, only 323 of 12,902 suspicious operation reports presented confirmed LA/FT indicators.

Name

X-Company

Legal name

X-COMPANY SPA

Website

https://x-company.cl

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

X-Company is a Santiago-based AI startup that builds Compliance Xpert, an integrated AI platform for anti-money laundering, anti-corruption, sanctions screening, KYB, and country risk scoring, serving Chilean financial institutions and companies required to comply with the country's Economic Crimes Law.

Ownership category

akta.pro rank

Product category

Regulatory Compliance Software

NAICS

Custom Computer Programming Services (541511), Computer Systems Design and Related Services (54151), Computer Systems Design Services (541512), Other Computer Related Services (541519)

SIC

Services-Computer Programming Services (7371), Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

AI Governance, Risk & Compliance (GRC) Platforms (HDAAAMAA)

akta.pro secondary industries

Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies) (HDAEANAE), AI Observability, Monitoring & Evaluation Platforms (Drift, Quality, Safety) (HDAEANAF), Regulatory Readiness & Audit Automation (e.g., EU AI Act, NIST AI RMF, ISO/IEC 42001) (HDAAAMAE), Responsible AI, AI Governance & Compliance Services (BPAEAHAJ)

Keywords

• Anti-money laundering software
• Regulatory compliance platform
• AML risk monitoring
• AI compliance solutions
• Sanctions screening tools

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. AI Products (Subscription/Credits): Products are sold through plans and credit packages. Customers select products (Monitor GeoAML Scoring, Sentinel, Delfos, Business Insight, Sanctions List, Country Scores, Xpert Copilot) and purchase credit packs to access services. Payments are made online through secure payment methods. Platform access is activated within 48 business hours after payment verification.
2. Consulting Services: X-Consulting division provides advanced consulting in Data Science and Artificial Intelligence. Services include Data and AI Strategy, Machine Learning Model Development, MLOps Implementation, Advanced Analytics and Visualization, Generative AI and Automation, and Executive Training. Free diagnostic consultations offered as lead generation.
3. X-Academy Training Programs: Education division offering intensive bootcamps and applied programs in Data Science, Machine Learning, and Artificial Intelligence. Programs are practical and industry-focused, connecting education with real market and business challenges. Mentors are active consultants from X-Consulting.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

X-Company develops and sells the Compliance Xpert AI platform, which integrates AML geographic risk monitoring, anti-corruption public-official monitoring, sanctions list screening, KYB business intelligence, country-level LA/FT risk scoring, expert criteria quantification, and a generative AI virtual compliance assistant. Beyond software, the company offers Data Science and AI consulting services through X-Consulting and industry-focused Data Science bootcamps through X-Academy, targeting Chilean companies required to comply with Law 20.393 and the Economic Crimes Law (Law 21.595).

Product overview

X-Company is a Chilean AI and Data Science ecosystem composed of three divisions — X-Consulting (custom analytics consulting), X-Academy (data science training), and X-Products (AI-powered product suite). The product portfolio centers on Compliance Xpert, a unified AI compliance platform. Compliance Xpert integrates seven distinct products: Monitor GeoAML Scoring (geographic LA/FT risk monitoring for Chile), Sentinel The Anti-Corruption Monitor (public official corruption risk scoring with generative AI), Business Insights (Know Your Business company intelligence), Lista de Sanciones (international sanctions list screening via Infoprobidad and OFAC), Score LA/FT por País (country-level LA/FT risk scoring based on Basel AML Index), Delfos (expert criteria quantification), and Xpert Copilot (generative AI virtual compliance assistant). The platform is designed to serve the full range of Chilean companies — including those lacking dedicated compliance teams — to meet requirements under Chile's Economic Crimes Law (Law 21.595). The company targets both financial institutions and non-financial businesses, and is positioned as a high-availability, scalable AI product provider in Latin America.

Differentiator

Problem solved

Functional benefit

Brands

• Compliance Xpert: AI-based compliance platform for anti-money laundering (LA/FT) prevention, integrating advanced AI tools, geographic risk monitoring, sanctions lists, and virtual expert assistant.
• Monitor GeoAML Scoring
• Sentinel The Anti-Corruption Monitor
• Business Insights
• Lista de Sanciones
• Score LA/FT por País

Products and services

• Compliance Xpert Comprehensive AI-powered compliance platform combining risk analysis, advanced analytics, and AI tools to deliver LA/FT prevention, anti-corruption monitoring, sanctions screening, KYB, country risk scoring, and a virtual regulatory expert assistant. Targeted at Chilean companies of any size needing to comply with Laws 20.393 and 21.595.
• Monitor GeoAML Scoring Geographic AML risk monitoring system for Chile that provides real-time georeferenced visualization of money laundering and terrorism financing (LA/FT) risk areas, using machine learning models and weighted risk parameters backed by compliance experts. Funded by ANID as the first national geographic LA/FT risk monitor in Chile.
• Sentinel The Anti-Corruption Monitor Anti-corruption monitoring tool designed to identify and prevent corruption risks associated with public officials by combining conjoint analysis, behavioral anomaly detection, and machine learning, augmented by a generative AI virtual assistant that provides contextualized insights for decision-making.
• Business Insights (KYB) Know Your Business (KYB) platform providing detailed company information including tax data, employee count, sales volume, and address to enable financial soundness evaluation, operational capacity assessment, and risk-informed business decisions.
• Lista de Sanciones (Sanctions List) Instant sanctions list verification tool enabling real-time screening of individuals and entities against international sanctions lists including the UN Security Council Consolidated List and OFAC database, backed by Infoprobidad (Council for Transparency and Comptroller General of the Republic of Chile).
• Score LA/FT por País (Country Risk Score) Country-level LA/FT risk scoring tool that classifies countries by money laundering and terrorism financing risk using data from the Basel AML Index 2023, supporting financial institutions and international organizations in risk evaluation and compliance decision-making.
• Delfos Expert criteria quantification tool designed to operationalize and quantify expert judgment and decision-making criteria into structured analytical outputs.
• Xpert Copilot Virtual expert assistant powered by generative AI that provides conversational guidance on regulatory standards and compliance norms, embedded within the Compliance Xpert platform.
• X-Consulting Services Advanced Data Science and Artificial Intelligence consulting services including Data and AI Strategy, Machine Learning Model Development, MLOps Implementation, Advanced Analytics and Visualization, Generative AI and Automation, and Executive Training, sold via free diagnostic consultations and direct sales engagement.
• X-Academy Training Programs Education division offering intensive bootcamps and applied programs in Data Science, Machine Learning, and Artificial Intelligence, designed with industry focus and taught by mentors active in X-Consulting.

Quantifiable outcome

• Platform aims to reach 1,000,000 businesses needing to strengthen crime prevention processes
• +1 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature8 records

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• ComplyAdvantage: AI-driven AML and sanctions screening platform offering real-time risk detection, KYC/KYB, and transaction monitoring. Highly comparable to Compliance Xpert's combination of sanctions screening, KYB, and AML analytics.
• ThetaRay: AI-powered transaction monitoring and sanctions screening purpose-built for AML and cross-border payments — comparable technology stack to X-Company's anomaly detection and predictive analytics.
• Featurespace: Provides adaptive behavioral analytics for fraud and AML risk scoring, used by global banks. Closely comparable to X-Company's anomaly-detection approach within Monitor GeoAML Scoring and Sentinel.
• Hawk AI: AML and fraud detection SaaS using transaction monitoring and explainable AI; comparable in positioning as an AI-first, mid-market-friendly AML alternative to legacy incumbents.
• Silent Eight: AI-based AML name and transaction screening, sanctions, and adverse media monitoring used by tier-1 banks. Closely aligned with X-Company's Lista de Sanciones and AML scoring capabilities.
• Trulioo: Global identity verification and business verification (KYB) platform — a direct functional peer to X-Company's Business Insights (KYB) and Lista de Sanciones tools.
• Napier AI: AML compliance platform combining transaction monitoring, KYC, and sanctions screening with AI-enhanced screening — a near-direct functional peer to Compliance Xpert's suite of tools.

Emerging players

• Tookitaki: AI-native AML and fraud prevention platform focused on emerging-market financial institutions; comparable in stage and AI-first approach to compliance as X-Company, with overlapping LATAM ambitions.

Broad incumbents

• NICE Actimize: Established, enterprise-scale AML, KYC, and financial crime compliance platform used by the largest global banks. Represents the incumbent competitor that Chilean banks currently rely on.
• SAS Anti-Money Laundering: Broad AML and financial crimes suite from SAS, widely deployed in LATAM banks; a key incumbent against which X-Company must differentiate with AI-native UX and pricing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/x-companycl
• Instagraminstagram.com/x_company.cl

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 X-Company