COLIBRIX ONE, a worldwide financial infrastructure provider serving digital businesses and e-commerce firms, has chosen Vivox AI to automate the know-your-business (KYB) checks it carries out when bringing new merchants on board.
The two firms have signed a multi-year deal under which COLIBRIX ONE will deploy Vivox AI’s explainable AI agents across several due diligence tasks. These include checking corporate paperwork, mapping out ownership structures, and screening incoming business clients against sanctions lists and adverse media. Human oversight remains central to the process. COLIBRIX ONE’s compliance analysts will examine and approve each case, and every finding produced by the AI can be traced back to where it came from.
The partnership arrives at a time when payment and e-money businesses are processing rising numbers of onboarding applications, while regulators in the UK and EU are paying closer attention to how the sector tackles financial crime. For providers that differentiate themselves on how quickly they can onboard clients, vetting merchants whose ownership spans several jurisdictions is typically the slowest part of the journey.
Vivox AI’s technology examines company registries and documentation in over 155 countries. It pinpoints ultimate beneficial owners, shareholders and directors before generating a complete customer due diligence or enhanced due diligence report for an analyst to assess. According to Vivox AI, an implementation at payments company TransferMate earlier in 2026 cut the time spent on each due diligence case from roughly 60 minutes to less than 15 minutes, while screening alerts fell by 86%.
The deployment will initially cover merchant onboarding in the UK and EU. Both companies intend to broaden its use to ongoing monitoring and further entities during 2027.
COLIBRIX ONE operates as a global payments infrastructure platform. It offers merchant acquiring for both single and recurring payments, alongside e-money and payment accounts featuring dedicated SEPA and Swift IBANs for international businesses, online retailers and corporate customers.
Vivox AI builds trustworthy, explainable AI agents focused on anti-money laundering, KYB and wider financial crime compliance. Its tools are designed to help banks and FinTech firms cut business onboarding times from days down to minutes. The company’s agents support in-house compliance teams and can automate as much as 90% of manual review work, while offering auditability suitable for regulators, thorough testing and enterprise-level AI governance.
Vivox AI founder and CEO Tim Khamzin said, “Payment platforms like COLIBRIX ONE are growing faster than compliance teams can hire. AI agents take on the document-heavy due diligence work where every conclusion comes with a clear audit trail, so analysts stay in control and regulators can see exactly how a decision was reached. That is what makes AI usable in a regulated business.”
Copyright © 2026 RegTech Analyst
Copyright © 2026 RegTech Analyst
