What CERTIQI LIMITED does

CertiQi Limited is a UK-incorporated, privately held technology company headquartered in London that builds federated-ledger-based identity and data-sharing infrastructure for cross-border business workflows. Its core stack comprises two principal assets: DotLedger, a patented federated ledger technology that delivers beyond-blockchain security and quantum-resistant encryption from as few as two nodes, with an interlocked record structure that can operate offline and resynchronize; and eKeyiD, a compact identifier system that labels any information object (individuals, virtual accounts, digital tokens, transactions) and can travel inside existing messaging formats such as SWIFT MT103 Field 70 and Fedwire without requiring receiver-side system changes. On top of this stack sit layered products including Data Vault for granular, audited access control, Virtual Accounts (vIBANs) with the eViD extension for transparent multi-account structures, and an asset-tokenization layer enabling value transfer to be attached to ownership transfer.

The commercial model is enterprise platform licensing and subscription, API and integration services (including a native Salesforce module, RESTful APIs, and Banking-as-a-Service options), and consultancy engagements sold via a free initial consultation. Go-to-market combines direct enterprise field sales targeting financial institutions, channel partnerships with fintechs, global banks, card schemes and AML intelligence providers (claiming connections in 100+ countries and alignment with Mastercard), and self-serve web-portal onboarding for mid-market accounts. Target segments are banks and non-bank financial institutions (NBFIs) as primary verticals, with secondary use cases across AML intelligence providers, healthcare (an NHS multi-layer identity case study is published), and importers/exporters in emerging markets such as Zambia, Myanmar, China, India, and Costa Rica.

Name

CERTIQI LIMITED

Legal name

CertiQi Limited

Website

https://certiqi.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

CertiQi Limited builds a patented federated ledger (DotLedger) and an interoperable identifier system (eKeyiD) for cross-border KYC, AML, and payment transparency workflows, selling enterprise licensing and APIs to banks, NBFIs, healthcare providers, AML vendors, and import/export businesses via direct enterprise sales and channel partnerships.

Ownership category

akta.pro rank

Product category

Identity and Compliance Software

NAICS

Custom Computer Programming Services (541511), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

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

akta.pro primary industry

Data, Evidence & Document Verification (IDV) for KYC (FSAMAMAN)

akta.pro secondary industries

Identity Verification, Proofing & KYC (IDV) (HDAEAJAI), Fraud Prevention & Identity Verification (IDV/KYC) (BPAMAEAI), AML/KYC, KYB & Identity Verification (VASP/Travel Rule) (FSAPAJAC)

Keywords

• Federated ledger technology
• Digital identity verification
• Cross-border payments compliance
• KYC data sharing
• AML compliance platform

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform licensing and subscription: Licensing of eKeyiD platform and DotLedger technology to financial institutions, NBFIs, and other enterprise customers. Subscription-based access to data vault and API services.
2. API and integration services: Revenue from API access, Salesforce integration, web portal services, and enterprise system integration implementations.
3. Consultancy services: Expert consultancy services for operational efficiency, development strategy, and implementation. Initial consultation offered free, followed by paid engagement.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels3 records

Core offering

CertiQi develops the eKeyiD identity platform powered by its patented DotLedger federated ledger technology, enabling secure data sharing, KYC/AML compliance, and transparent cross-border payment workflows. The platform provides compact, interoperable identity codes that fit within SWIFT and Fedwire messaging systems, supported by Data Vault access control, Virtual Accounts, RESTful APIs, and Salesforce/BaaS integration modules for financial institutions, NBFIs, healthcare, importers, exporters, and AML providers.

Product overview

CertiQi operates a platform-plus-modules architecture centered on its eKeyiD identity system and DotLedger federated ledger technology. The core eKeyiD platform provides compact, interoperable identity codes that enable secure data sharing across disparate systems including SWIFT and Fedwire. DotLedger serves as the underlying patented federated ledger infrastructure providing quantum-resistant security. The Data Vault layers access control on top of DotLedger for granular, auditable data sharing. Virtual Accounts extend the platform with transparent vIBAN capabilities using eViD identifiers. The product portfolio includes integration options via API Suite, branded Web Portals, Salesforce Module, and Banking as a Service, all sharing common underlying infrastructure.

Differentiator

Problem solved

Functional benefit

Brands

• eKeyiD: Compact intelligent code system that identifies information types from individuals to virtual accounts, digital tokens, or transactions. Can be nested, grouped, or overlapped with infinite flexibility and shared through existing technology.
• DotLedger
• eViD

Products and services

• eKeyiD Compact, intelligent code system that identifies individuals, virtual accounts, digital tokens, and transactions. Codes can be nested, grouped, or overlapped with infinite flexibility and shared through existing technology without system changes, fitting within standard messaging systems such as SWIFT or Fedwire while unlocking unlimited gigabytes of documentation.
• DotLedger Patented federated ledger technology providing beyond-blockchain security from as few as two nodes, with quantum-resistant encryption, immutability, and an interlocked record structure. Supports regional data storage to meet jurisdictional requirements while maintaining interoperability with other nodes.
• Data Vault Secure data vault based on DotLedger's patented security that controls granular access to valuable information through an intelligent system of data types, user roles, and data keys, recording an audit trail of every document access.
• Virtual Accounts (vIBAN) Transparent virtual account solution using eViD (Electronic Virtual ID) identifier that distinguishes each virtual account without obscuring the identity of the master account, making all payments first-party transactions while maintaining full KYC and transaction detail transparency.
• API Suite Extensive library of RESTful APIs for enterprise system integration, including JSON Storage API for storing public or encrypted JSON documents, Document API for general-purpose documents, Multi-document API for document sets, and Opaque Record API for custom applications, with support for certificate exchange and encrypted tokens.
• Web Portal Branded web portal solution for customer and internal access to the eKeyiD data vault, protected by two-factor authentication with configurable verification methods including biometrics and proof-of-life video.
• Salesforce Module Native Salesforce integration module that links directly with other Salesforce functions and the eKeyiD platform, typically addable within a couple of days to existing installations and supported by a dedicated integration team.
• Banking as a Service (BaaS) Full Banking-as-a-Service suite for modernizing banking systems and improving customer service, available either directly from CertiQi or as a seamless interface to popular third-party BaaS platforms.

Quantifiable outcome

• Enables approximately $2 billion of safe transactions annually
• +2 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• MastercardcoreStrategic or Co-development PartnerStrategic alignment with Mastercard on payment transparency initiatives. Both companies share similar values regarding enhancing existing systems rather than replacing them. Mastercard's network embraces more than 20,000 banks, and CertiQi's eKeyiD system integrates with existing infrastructure like SWIFT and services like Swift GPI.
• Payment network partnerscoreGTM or Marketing PartnerNetwork includes cutting-edge fintechs, global banks, and world-leading card schemes. Connections established in over 100 countries to help businesses grow internationally.
• Answer DigitalminorStrategic or Co-development PartnerAttended NHS innovation event organized by Answer Digital, exploring potential applications of CertiQi's identity system in healthcare.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Veriff: Identity verification platform serving fintechs, banks, and other regulated industries with KYC, AML, and fraud prevention. Comparable in target customers (financial institutions, NBFIs) and IDV-first product approach.
• Trulioo: Global identity verification platform providing business and consumer KYC/AML across 195+ countries. Closely comparable for cross-border KYC and payment transparency use cases in correspondent banking and trade finance.
• Onfido (Entrust): Leading AI-based digital identity verification provider serving banks, fintechs, and NBFI customers for KYC, AML, and onboarding workflows. Acquired by Entrust in 2024, it competes directly in the same IDV/AML category targeting financial institutions.
• Jumio: One of the largest dedicated KYC/identity verification platforms serving banks, fintechs, and enterprises globally. Directly comparable as a competing IDV/KYC provider with similar target customer base in financial services and AML use cases.
• Sumsub: All-in-one identity verification and compliance platform covering KYC, KYB, AML, and fraud. Direct competitor in serving banks, NBFIs, and fintechs with similar identity verification and document handling capabilities.
• Persona: Configurable identity platform for KYC, AML, and fraud prevention serving fintechs and financial institutions. Comparable as a flexible identity verification platform with API-first delivery model.

Emerging players

• ID.me: Digital identity network providing identity verification for government, healthcare, and financial services. Comparable for cross-vertical identity reuse (especially the NHS/healthcare angle) and reusable KYC use cases.
• Featurespace: UK-based AML and fraud detection company serving major banks with behavioral analytics for transaction monitoring. Comparable as a UK-headquartered AML-focused technology provider targeting similar bank customers.
• iDenfy: Identity verification and AML compliance platform serving banks, fintechs, and NBFIs. Comparable in KYC/AML focus, though typically serves smaller scale customers than CertiQi's bank-led positioning.

Broad incumbents

• Mastercard Identity: Incumbent payments network with growing identity, KYC, and digital identity services. Strategic partner to CertiQi and a broad incumbent that could compete or partner given overlap in payment transparency and identity initiatives.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/certiqi

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 CERTIQI LIMITED