iAML

What iAML does

iAML sp. z o.o. (formerly Incaso Group sp. z o.o.) is a Polish RegTech company that provides a modular suite of anti-money laundering (AML) compliance tools to obligated institutions in Poland. The company was founded in 2003, is headquartered in Koszalin, and rebranded to iAML in 2024. Its platform aggregates and harmonizes Polish and EU public AML data sources — PEP lists, sanctions lists, KNF warnings, CRBR (Central Register of Beneficial Owners), PKD high-risk industry codes, high-risk country lists, VAT taxpayer registry, ERUP, virtual currency registry, and gambling domain registry — and delivers them through three primary consumption modes: a browser-based web application (Skaner iAML), a REST API (API iAML), and file-based daily updates (Listy w Pliku). An on-premise Windows desktop application (System iAML) provides transaction analysis, recording, and GIIF reporting for large enterprises, while document templates (risk assessment, AML procedure, whistleblower procedure) and an e-learning training platform (Szkolenie iAML) complete the suite, alongside a paid 'AML Ready' certification service.

The technology foundation rests on proprietary algorithms for transaction risk evaluation and restricted list automation, co-developed with a scientific unit under two EU-funded R&D projects (2019-2020 and 2020-2021) and protected as trade secrets and database rights under Polish law. iAML's business model is built on named-user and per-entity annual software subscriptions (with multi-year contracts for templates and certifications), supplemented by one-time document template licenses, a freemium demo tier, and direct enterprise sales. Go-to-market is API-first and sales-led, combining self-serve web access, inside sales, and direct enterprise sales with personalized algorithms for large clients. The company targets three size tiers (micro-firms, SMEs, large enterprises) across verticals including banking, insurance, investment funds, fintech/payments, leasing, commodity exchange, betting, energy, and newly regulated segments such as lombardy (pawnshops), virtual currency providers, and real estate intermediaries. With 600+ customer institutions and self-described positioning as 'one of the cheapest options available in Poland for obligated institutions,' iAML operates as a niche, cost-competitive compliance vendor with deep domain specialization in Polish AML regulation.

Name

iAML

Legal name

iAML sp. z o.o.

Website

https://iaml.com.pl

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

iAML sp. z o.o. is a Polish RegTech firm providing a modular AML compliance suite (web app, API, on-premise system, file feeds, templates, training) to 600+ obligated institutions across banking, insurance, fintech, and other regulated sectors in Poland.

Ownership category

akta.pro rank

Product category

Regulatory Compliance Software (Anti-Money Laundering)

NAICS

Software Publishers (5132), Computer Systems Design and Related Services (54151)

SIC

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

akta.pro primary industry

AML/CFT & Financial Crime Compliance (FSAFAOAD)

akta.pro secondary industries

Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI), Financial Crime Compliance (AML/KYC/Sanctions) (EDABADAD)

Keywords

• Anti-money laundering software
• AML compliance platform
• Sanctions screening tools
• Regulatory compliance solutions
• Transaction monitoring systems

Headquarters

HQ city

Koszalin

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licenses (Skaner iAML, API iAML, System iAML): Non-exclusive, paid licenses for accessing the iAML platform and tools. Licenses are granted for use of Skaner iAML (web application), API iAML (API access), Listy w Pliku (file-based restricted lists), and System iAML (on-premise AML system). Access is per named user; multi-user access available with defined limits. Pricing is defined in individual contracts (OWU).
2. Document Templates (Ocena ryzyka, Procedura AML): One-time or recurring license for electronic document templates (risk assessment template per Art. 27 AML Act, internal AML procedure template per Art. 50 AML Act, whistleblower procedure per Whistleblower Protection Act). Delivered as editable electronic files; updates provided as needed.
3. Szkolenie iAML (E-learning): E-learning AML training delivered via dedicated web application (szkolenia.iaml.com.pl), accessible via license number. Includes named completion certificate. License-based recurring access.
4. Certyfikat 'AML Ready' (AML Ready Certificate): Paid certification service including: AML Ready certificate document (paper or electronic), instructional video material, and a 30-minute online consultation with an AML specialist. Subject to certification procedure per OWU.
5. File-based Restricted Lists (Listy w Pliku): Restricted list data delivered as downloadable files in XML, CSV, and JSON formats via Customer Panel or authenticated link. Updated daily with full and incremental files. Licensed per named user or entity.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

iAML sells a modular AML/CFT compliance software suite for Polish obligated institutions, including the Skaner iAML web application for screening counterparties against aggregated restricted lists (PEP, sanctions, KNF, CRBR, PKD, VAT, ERUP, virtual currency, gambling domains), the System iAML on-premise analytical program for transaction monitoring and GIIF reporting, the API iAML REST API for system integration, and Listy w Pliku file-based daily data feeds. The company complements its software with document templates (risk assessment, internal procedure, whistleblower), the Szkolenie iAML e-learning training, and the Certyfikat 'AML Ready' certification service.

Product overview

iAML (Anti Money Laundering) is a comprehensive AML compliance tool suite consisting of multiple integrated modules: Skaner iAML (web application for searching restriction lists with 24/7 browser access), System iAML (enterprise desktop analytical system for large organizations), API iAML (REST API for system integration with client internal systems), Listy w Pliku (file-based data downloads in XML/CSV/JSON formats), Ocena ryzyka (risk assessment template documents), Procedura AML (internal procedure templates), Szkolenie iAML (e-learning training with certification), Certyfikat 'AML Ready' (certification service with consultation), and Regulamin zgłaszania naruszeń (whistleblower procedure templates). The suite also includes access to multiple restriction lists including PEP (Politically Exposed Persons), sanctions lists (EU, UN, Polish), KNF warnings, EURO-BOZON, high-risk PKD industry codes, high-risk countries, CRBR, VAT taxpayer registry, ERUP, virtual currency activities registry, and gambling domain registry. The platform is offered in Polish and English, serving microenterprises, SMEs, and large corporations with tiered solutions tailored to each segment.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 600+ obligated institutions rely on iAML tools for AML compliance
• +2 more outcomes

Named customers24 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Jednostka naukowa (Scientific Unit — co-development partner)coreStrategic or Co-development Partner · 1 September 2019iAML co-developed transaction risk evaluation algorithms with a scientific/research unit (jednostka naukowa) as part of EU-funded R&D Project 1 (Sep 2019 – Jul 2020). The scientific unit contributed academic/research expertise in algorithms while iAML contributed commercialization and domain knowledge.
• Incasaso Group sp. z o.o. (former company name)coreOthersiAML sp. z o.o. was formerly operating under the name Incaso Group sp. z o.o. The company changed its name from Incaso Group to iAML while maintaining the same legal entity (same KRS, NIP, REGON, and headquarters address in Koszalin). All assets, liabilities, customer relationships, and intellectual property were transferred to the new company name.
• Prudential Oddział w PolsceminorOthersPrudential Poland's compliance team uses iAML restricted lists and Scanner for client due diligence. Relationship is a customer/vendor engagement, not a formal partnership.
• Towarowa Giełda Energii S.A.minorOthersCommodity exchange using System iAML for AML compliance. Customer relationship.
• mBankminorOthersLogo displayed in 'Zaufali nam' (Trusted by us) section as a customer/user of iAML products.
• KIR (Krajowa Izba Rozliczeniowa)minorOthersLogo displayed in 'Zaufali nam' (Trusted by us) section as a customer/user of iAML products.
• BLIKminorOthersLogo displayed in 'Zaufali nam' (Trusted by us) section as a customer/user of iAML products.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Refinitiv (LSEG) World-Check: LSEG's World-Check is the global benchmark for KYC/AML screening, offering PEP, sanctions, and adverse media data feeds. It competes with iAML's Skaner and API products for enterprise Polish customers needing global coverage, though at significantly higher price points.
• Dow Jones Risk & Compliance: Dow Jones Risk & Compliance provides PEP, sanctions, and beneficial ownership data feeds to global financial institutions. Comparable to iAML's restricted list aggregation but with broader international coverage and enterprise pricing.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions offers AML, KYC, and compliance data products including WorldCompliance data and Bridger Insight for screening. Overlaps with iAML's sanctions/PEP screening and transaction monitoring offerings for enterprise customers.

Direct peers

• Encompass Corporation: Encompass provides automated KYC/AML onboarding, entity resolution, and regulatory compliance workflows for banks and financial institutions. Direct competitor to iAML's enterprise compliance suite, particularly the System iAML analytical module.
• Trapets: Trapets is a Nordic RegTech offering AML transaction monitoring, KYC, and sanctions screening with strong European bank penetration. Comparable to iAML's System iAML and screening products, serving a similar regulated-institution customer base.
• ComplyAdvantage (Middesk): ComplyAdvantage provides AI-driven AML transaction monitoring, sanctions/PEP screening, and KYC automation via API. Direct functional competitor to iAML's API and System iAML products, with stronger global footprint but no Polish-language registry specialization.

Emerging players

• NorthRow: NorthRow provides AML, KYC, and beneficial ownership verification SaaS to financial institutions and regulated firms. Overlaps with iAML's client screening and CRBR-style beneficial owner verification offerings.
• Silent Eight: Silent Eight applies AI/ML to AML name and transaction screening alerts for financial institutions. Comparable to iAML's anomaly detection and screening capabilities, though focused on alert resolution rather than full AML compliance workflows.

Regional players

• Salv: Salv is an Estonian AML compliance platform providing transaction monitoring, sanctions screening, and AML/CFT tooling for fintechs and banks. Comparable to iAML's API and screening products, but for the Baltic and broader European fintech market.
• AMLYZE: AMLYZE is a Lithuanian RegTech providing AML transaction monitoring, sanctions screening, and compliance tools to fintechs and banks. Closely mirrors iAML's niche-market RegTech positioning, though focused on the Baltic/Nordic region rather than Poland.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCV7DsuHBTS98t-x31Qst3Ag
• Facebookfacebook.com/iAML.przeciwdzialanie.praniu.pieniedzy
• LinkedInlinkedin.com/showcase/zestaw-narz%C4%99dzi-iaml

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 iAML