TransferMate has completed a worldwide rollout of Vivox AI’s next-generation Know Your Business (KYB) automation platform.
The company operates what it describes as the largest regulated fintech payments infrastructure globally, holding 100 licences and serving customers across APAC, the Americas and Europe.
The launch comes as TransferMate accelerates its expansion across Asia Pacific and additional regions, where onboarding volumes and due diligence demands have grown sharply. To support this growth, the firm required a scalable compliance operating model capable of managing rising case volumes without weakening regulatory standards or consistency across jurisdictions.
TransferMate provides cross-border B2B payment infrastructure embedded directly into partner platforms, enabling businesses to send and receive international payments efficiently. Its regulatory footprint spans more than 100 licences worldwide, positioning it to support enterprises operating across multiple regulatory environments while maintaining compliance with local requirements.
The newly deployed Vivox AI platform automates complex KYB and customer due diligence workflows. It enables compliance teams to analyse up to 100 corporate documents and registry extracts per case, identify ultimate beneficial owners, shareholders and directors, conduct sanctions, PEP and adverse media screening, and generate full CDD or EDD reports. The system supports onboarding across more than 100 countries and can process a wide range of document formats, including large files and low-quality images.
At the core of the solution is an enterprise-grade workflow built on an ensemble of more than 35 AI models, supported by over 24 integrated verification and screening APIs. This architecture is designed to deliver accuracy, consistency and full auditability throughout the KYB review lifecycle. A self-learning AI agent operates within Vivox AI’s governance framework, incorporating structured human feedback to enhance performance over time.
During the first two weeks of live production, the AI agent continuously integrated feedback from TransferMate’s senior analysts. As a result, the quality approval rate of AI-generated outcomes improved from approximately 60% to around 80%, demonstrating measurable gains driven by controlled, human-in-the-loop learning. Governance and control modules were configured in line with TransferMate’s internal policies, assessing AI outputs against defined risk, quality, explainability and oversight criteria.
The deployment reflects a broader industry shift towards trusted, explainable and regulatory-aligned AI within regulated financial services. TransferMate confirmed that its implementation will be complemented by independent AI assurance to validate safety, governance and regulatory alignment as the firm continues to scale.
TransferMate global head of AML Alex Clements said, “We operate in a fast-moving regulatory landscape, and maintaining compliance excellence is fundamental to how we scale. As we expand into new regions, we must increase onboarding capacity without compromising the rigour of our due diligence processes. Vivox AI has enabled us to compress timelines significantly while enhancing the depth, consistency and auditability of every review. Crucially, it augments our compliance team while keeping humans firmly in the loop.”
Vivox AI Founder and CEO Tim Khamzin said, “TransferMate’s implementation demonstrates how responsible, transparent AI can deliver measurable impact at scale. The deployment aligns with evolving regulatory expectations, from the EU AI Act to recent FCA and Singaporean frameworks, while maintaining strong governance and auditability across jurisdictions. Their ability to move rapidly from planning to full operational use reflects a strong adoption culture and a clear vision for how AI agents can empower compliance teams.”
TransferMate global head of AML Alex Clements added, “The level of detail in Vivox’s AI governance framework gives me confidence that we can demonstrate robust controls during audits and regulatory inspections relating to AI use.”
Keep up with all the latest RegTech news here
Copyright © 2026 RegTech Analyst
Copyright © 2018 RegTech Analyst
