What Xama Technologies does

Xama Technologies Limited is a UK-based SaaS company that provides AML (anti-money laundering) compliance software primarily to UK-regulated professional service firms — accountants and bookkeepers as its flagship segment, with adjacent verticals for law firms and estate agents. Founded in 2018 and registered in Swindon, England (company number 11398708), Xama delivers an integrated browser-based platform that combines biometric identity verification, direct Companies House beneficial-owner identification, PEP/sanctions/adverse-media screening, configurable client risk assessments, document management with OCR, and an embedded Client Portal that delegates onboarding tasks to end-clients. Underlying capability is delivered through third-party data and infrastructure providers: GBG and Sumsub for identity verification across 220+ countries, ComplyAdvantage for financial-crime screening, Creditsafe for company credit reports, AWS for primary hosting, Google Cloud Platform and Auth0 (Okta) as additional sub-processors, and Stripe for payments.

The company operates a product-led growth model with a free Starter tier (unlimited users, clients and risk assessments), a low-price Core subscription at £13/month per firm (£11.70 billed annually) that includes one AML Academy seat and up to 20 monitored companies, usage-based consumption priced at £0.525 per credit (with bulk discounts of 10% at 1,000 credits and 20% at 2,500 credits), and an Enterprise tier sold via direct sales with custom pricing, SSO, custom integrations and priority onboarding. Distribution is augmented by deep two-way integrations with the leading UK accounting practice management platforms — Pixie, QuickBooks Practice Manager, Karbon, Engager.app, FYI, Socket, Sodium and PracticeFlow — with Pixie and QBPM users receiving an automatic 20% Xama discount under preferred-partner arrangements. A free open REST API, a formal 'Systems Integration' OEM framework, and Zapier/Make marketplace listings extend reach to developers and integrators. Adjacent product lines include the Xama AML Academy (training, launched January 2024), the Xama Verify biometric mobile app, and the Client Portal add-on. The company is privately held, lists no disclosed funding rounds or external investors, and operates with a headcount of 1–10 employees serving over 2,000 UK professional firms.

Name

Xama Technologies

Legal name

Xama Technologies Limited

Website

https://xamatech.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Xama Technologies provides AML compliance software for UK-regulated accountants, bookkeepers, lawyers, and estate agents. Its platform combines biometric ID verification, Companies House beneficial owner checks, PEP/sanctions screening, risk assessments, document management, and the AML Academy training module.

Ownership category

akta.pro rank

Product category

AML Compliance Software / RegTech

NAICS

Investigation and Personal Background Check Services (561611)

akta.pro primary industry

Identity & Access Management (IAM) Managed Services (BPAEADAE)

akta.pro secondary industry

Fraud Detection, Identity & KYC/AML for Mortgages (FSALALAH)

Keywords

• AML compliance software
• Identity verification platform
• Customer onboarding software
• Practice management integration
• Regulatory compliance SaaS

Headquarters

HQ city

Swindon

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Xama Core subscription: Recurring monthly SaaS fee of £13/month per firm for the Core plan, including client portal, OCR, risk assessments, staff management, financials integration and AML dashboard. 10% discount when billed annually.
2. Credit-based check usage: Consumption-based revenue from credits purchased upfront to run ID verification, AML checks, PEP/sanctions monitoring and adverse media. Each credit costs £0.525, with bulk discounts (10% for 1,000 credits, 20% for 2,500 credits). Credits expire after 12 months.
3. Freemium Starter tier: Free Starter tier with unlimited users, clients and risk assessments, used as a top-of-funnel conversion driver into Core and credit purchases.
4. Enterprise custom contracts: Enterprise tier sold via 'Contact Sales' with custom credit pricing, enterprise SSO, custom integrations, priority onboarding, and additional AML Academy seats.
5. AML Academy seats: One Academy seat included with Xama Core, additional seats available as volume-priced add-ons for staff training.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels9 records

Core offering

Xama provides a cloud-hosted AML compliance SaaS platform for UK regulated professional service firms, combining browser-based biometric ID verification, direct Companies House beneficial owner identification, PEP/sanctions/adverse media screening, rule-based client risk assessments, document management with OCR, and ongoing monitoring in one integrated system. The platform is delivered as vertical solutions for accountants, lawyers and estate agents, with native integrations into leading UK practice management systems and a free open API for partner embedding.

Product overview

Xama operates a platform-plus-modules architecture for AML compliance. The core Xama Platform is delivered as three industry-specific vertical solutions — Xama for Accountants (the flagship offering for UK accounting firms), Xama for Real Estate (covering estate agents and HMRC workflows), and Xama for Lawyers (supporting law firms and SRA/DOJ integration). The platform is augmented by add-on modules including the Client Portal (self-service client onboarding), the Xama AML Academy (training, launched January 2024), and the Xama Verify mobile app (biometric verification). Customers connect to the platform through native integrations with leading practice management systems (Engager.app, FYI, Karbon, Socket, Pixie, QuickBooks Practice Manager, Sodium, PracticeFlow) and through automation platforms (Zapier, Make), while AML screening and identity verification are powered by data provider integrations with Creditsafe, GBG, ComplyAdvantage, Sumsub, and the UK Companies House registry.

Differentiator

Problem solved

Functional benefit

Brands

• Xama Verify: Mobile app providing cryptographic feature verification and biometric identity verification as part of Xama's ID verification process.
• Xama AML Academy

Products and services

• Xama for Accountants Core AML compliance platform for UK accounting firms and bookkeepers covering ACSP-ready identity verification, direct Companies House beneficial owner checks, rule-based risk assessments, document management with built-in OCR, AML checks and ongoing PEP/sanctions/adverse media monitoring.
• Xama for Real Estate Vertical AML compliance solution for UK estate agents and property professionals covering buyer/seller ID verification, source of funds and source of wealth capture, and ongoing monitoring aligned to property transaction workflows.
• Xama for Lawyers AML compliance solution for UK law firms supporting matter-specific due diligence (conveyancing, litigation, corporate), source of funds/wealth capture, beneficial owner verification, and direct SRA/DOJ integration via a free open API.
• Client Portal Self-service add-on feature that delegates AML completion tasks (uploading ID, completing due diligence) to a customer's primary client contact via a secure, no-login-required branded link, reducing firm-side admin chasing.
• Xama AML Academy Managed AML training programme delivered via a dedicated training platform (Thinkific) on iOS, Android and web, providing role-based courses, webinars, podcasts and case studies with completion tracking and audit-ready records for MLROs.
• Xama Verify Mobile app providing cryptographic feature verification and biometric (liveness) identity verification supporting ACSP-ready identity document checks within the Xama onboarding workflow.

Quantifiable outcome

• Over 2,000 UK professional firms on the platform
• +3 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability2 records

Feature8 records

Partnerships

31 partnerships are on record, tiered flagship integration; called out as one of the most comprehensive xama integrations, launched 2023., core integration; collaborative practice and document management platform with xama sync., core integration; collaborative practice management platform., mid-tier integration; proposal software for accountants., flagship channel partner; preferred partner status and 20% discount for pixie users., flagship channel partner; 20% discount for qbpm users., emerging integration; ai-powered practice management currently in beta., mid-tier integration; uk-focused compliance tracking practice management., broad-reach automation channel; listed as automation platform partner., core data partner; primary source for company credit reports., core data partner; primary identity verification provider., core data partner; primary pep/sanctions/adverse media screening provider., core data partner; secondary kyc and id verification provider covering 220+ countries., operational sub-processor; payment processing., critical infrastructure sub-processor., operational infrastructure sub-processor., operational sub-processor for authentication., marketing email sub-processor., customer engagement and support sub-processor., core training platform sub-processor powering aml academy., operational back-office sub-processor., internal tooling sub-processor., sales/crm sub-processor., development environment hosting sub-processor., form collection sub-processor., transactional email sub-processor., developer tooling sub-processor., communications sub-processor., ai tooling sub-processor. and internal productivity sub-processor..

• Engager.appflagship integration; called out as one of the most comprehensive xama integrations, launched 2023.Technology or IntegrationTwo-way integration between Engager.app (UK practice management for small accounting firms) and Xama. Enables client/contact sync, real-time data updates, AML tracking and risk assessment status visibility inside Engager.app. Free to set up; Engager.app produced a dedicated setup video.
• FYIcore integration; collaborative practice and document management platform with xama sync.Technology or IntegrationTwo-way integration syncing FYI clients to Xama and surfacing client risk assessment status in FYI custom fields. Covers beneficial owner identification via Companies House, ID verification, AML/PEP/sanctions checks, document management and AML training resources.
• Karboncore integration; collaborative practice management platform.Technology or Integration'Xama Hub' integration with Karbon. Syncs organisations and people, and tracks the progress of risk assessments in Karbon via work items. Includes ID verification, AML/PEP/sanctions checks, document management and training resources.
• Socketmid-tier integration; proposal software for accountants.Technology or IntegrationTwo-way sync of clients and risk assessment information between Xama and Socket, embedding AML compliance into proposal/onboarding workflows. Enables beneficial owner checks, ID verification, AML/PEP/sanctions and monitoring, and centralised AML documents.
• Pixieflagship channel partner; preferred partner status and 20% discount for pixie users.Channel Partner/ Reseller/ DistributorPixie practice management platform for small UK accounting firms; Xama is a 'preferred partner' for compliance. Pixie users receive an automatic 20% discount on Xama rates. Two-way sync of clients, contacts, verification status and risk assessments.
• QuickBooks Practice Managerflagship channel partner; 20% discount for qbpm users.Channel Partner/ Reseller/ DistributorIntegration between Xama and Intuit's QuickBooks Practice Manager. QBPM users receive an automatic 20% Xama discount. Two-way client, contact, verification status and risk assessment sync.
• Sodiumemerging integration; ai-powered practice management currently in beta.Technology or IntegrationIntegration with Sodium's AI-powered practice management platform with open APIs. Enables client/contact sync, risk assessment visibility and seamless navigation between Sodium and Xama records.
• PracticeFlowmid-tier integration; uk-focused compliance tracking practice management.Technology or IntegrationPracticeFlow provides UK practice management with VAT/payroll/accounts/AML deadline tracking, Companies House sync and automated task creation. Joint value proposition is keeping UK accounting and bookkeeping firms compliant and organised.
• Zapierbroad-reach automation channel; listed as automation platform partner.Technology or IntegrationXama Hub is listed on the Zapier app directory, enabling customers to connect Xama to thousands of apps for workflow automation.
• Makebroad-reach automation channel; listed as automation platform partner.Technology or IntegrationXama Onboarding is listed on the Make integrations marketplace, allowing users to build sophisticated automation workflows connecting Xama to their tech stack.
• Creditsafecore data partner; primary source for company credit reports.Technology or IntegrationGlobal business intelligence provider offering company credit reports, financial data and compliance information used by Xama to verify business entities. Listed as sub-processor for company credit reports.
• GBG (ID3Global and IDScan)core data partner; primary identity verification provider.Technology or IntegrationLeading identity verification and fraud prevention provider. Xama uses GBG for electronic identity verification including biometric identity verification (ID3Global and IDScan).
• ComplyAdvantagecore data partner; primary pep/sanctions/adverse media screening provider.Technology or IntegrationAI-driven financial crime detection and prevention. Xama uses ComplyAdvantage for real-time adverse media and PEP/sanctions screening.
• Sumsubcore data partner; secondary kyc and id verification provider covering 220+ countries.Technology or IntegrationID verification provider covering more than 220 countries, including biometric checks for secure customer onboarding. Xama uses Sumsub for electronic identity verification and KYC checks.
• Stripeoperational sub-processor; payment processing.Technology or IntegrationPayment processor used by Xama for credit purchases and recurring subscription fees; Xama does not hold card data itself.
• Amazon Web Services (AWS)critical infrastructure sub-processor.Technology or IntegrationCloud infrastructure provider hosting the Xama Platform.
• Google Cloud Platformoperational infrastructure sub-processor.Technology or IntegrationCloud infrastructure and storage services used by Xama.
• Auth0 (Okta)operational sub-processor for authentication.Technology or IntegrationAuthentication and identity management service for Xama Platform access.
• Mailchimp (Intuit)marketing email sub-processor.GTM or Marketing PartnerMarketing email delivery provider used by Xama.
• Intercomcustomer engagement and support sub-processor.Technology or IntegrationIn-product messaging, customer support and the Xama knowledge base linked from the website.
• Thinkificcore training platform sub-processor powering aml academy.Technology or IntegrationTraining and educational content delivery platform used to host the Xama AML Academy on iOS, Android and web.
• Xerooperational back-office sub-processor.Technology or IntegrationAccounting and billing records system used by Xama.
• Airtableinternal tooling sub-processor.Technology or IntegrationInternal data organisation, record keeping and AML academy management tool used by Xama.
• Capsule CRMsales/crm sub-processor.Technology or IntegrationCustomer relationship management platform used by Xama.
• Hetznerdevelopment environment hosting sub-processor.Technology or IntegrationHosting of Xama's development environment.
• Jotformform collection sub-processor.Technology or IntegrationOnline form collection tool used by Xama.
• Mailgun (Sinch)transactional email sub-processor.Technology or IntegrationTransactional email delivery provider used by Xama.
• Postmandeveloper tooling sub-processor.Technology or IntegrationAPI testing and documentation tool used by Xama.
• Zoomcommunications sub-processor.Technology or IntegrationVideo conferencing and webinar recording platform used by Xama.
• Anthropicai tooling sub-processor.Technology or IntegrationAI development tools used by Xama.
• Google Workspaceinternal productivity sub-processor.Technology or IntegrationEmail, document storage and collaboration tools used internally by Xama.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Encompass Corporation: KYC/CDD orchestration platform used by global financial institutions to automate AML onboarding and beneficial owner checks; comparable technology architecture and enterprise-tier AML workflows.
• GBG: Global identity verification and fraud prevention provider (ID3Global, IDScan) used by Xama as a core sub-processor; also competes directly with Xama by selling IDV and AML workflows into regulated UK enterprises.
• NorthRow: UK AML and KYC SaaS for regulated firms, offering identity verification, ongoing monitoring and onboarding workflows to clients in accountancy, legal and property — closely comparable to Xama's product scope and customer base.
• Sumsub: Global identity verification and KYC/AML platform covering 220+ countries — Xama's secondary IDV sub-processor — selling into similar regulated verticals and increasingly bundling end-to-end AML workflows.
• SmartSearch: UK-headquartered AML and KYC platform providing ID verification, PEP/sanctions screening and ongoing monitoring primarily to UK regulated firms including accountants, solicitors and estate agents — directly overlapping Xama's core verticals and customer profile.
• ComplyAdvantage: AI-driven financial crime detection platform providing real-time PEP/sanctions/adverse media screening used by Xama; comparable technology stack and overlapping regulated-customer target market.

Broad incumbents

• Trulioo: Global identity verification platform providing business and consumer KYC across 195+ countries; competes with the IDV layer Xama assembles and increasingly markets full AML onboarding workflows to regulated verticals.
• Onfido: Enterprise-grade identity verification platform owned by Entrust, providing biometric IDV and KYC used by regulated firms globally; competes in the same underlying IDV layer that powers Xama's onboarding flows.
• Passfort (Mastercard): AML/KYC workflow platform acquired by Mastercard offering identity verification, risk assessment and ongoing monitoring to regulated businesses — directly overlaps Xama's orchestration layer and regulated customer set.
• Creditsafe: Global business intelligence and company credit data provider — Xama's primary credit-report data partner — which also sells directly into compliance and procurement use cases at regulated firms.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/xama-technologies-limited

Compliance1 record

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 Xama Technologies