TransferMate completes global rollout of Vivox AI’s next‑generation KYB automation

TransferMate, the world’s leading provider of embedded B2B payments infrastructure, has completed a full global rollout of Vivox AI’s trusted, explainable AI agents as its new Know Your Business (KYB) automation platform.

The deployment supports TransferMate’s rapid expansion across Asia Pacific and other regions, where rising onboarding and due‑diligence volumes required a scalable compliance operating model capable of absorbing growth without compromising regulatory standards.

TransferMate operates the largest regulated fintech payments infrastructure in the world, owning 100 licences and serves customers across APAC, the Americas and Europe. As the company expands in to new markets, it sought to accelerate KYB and customer due‑diligence workflows, maintain consistency across jurisdictions, and remain fully aligned with evolving regulatory expectations.

Vivox AI’s platform enables compliance teams to analyse up to 100 complex corporate documents and registries per case, identify ultimate beneficial owners, shareholders and directors, perform sanctions, PEP and adverse‑media screening, and generate complete CDD or EDD reports. The system supports onboarding across more than 100 countries and reliably processes multiple document formats, including large files and low‑quality images.

The solution orchestrates an enterprise‑grade workflow using an ensemble of specialised models, more than 24 integrated verification and screening APIs, and over 35 AI models. This architecture delivers high levels of accuracy, consistency and auditability throughout the KYB review process.

A core component of the deployment is a self‑learning AI agent operating within Vivox AI’s governance framework. During the first two weeks of live production use, the system continuously incorporated feedback from TransferMate’s senior analysts. As a result, the quality approval rate of AI‑generated outcomes increased from approximately 60% to around 80%, demonstrating measurable performance improvement through controlled, human‑in‑the‑loop learning.

As part of the implementation, Vivox AI configured governance and control modules aligned with TransferMate’s internal policies and operating procedures. The framework evaluates and monitors AI agents against defined risk, quality, explainability and human‑oversight criteria, supporting regulatory compliance and ongoing assurance.

“We operate in a fast‑moving regulatory landscape, and maintaining compliance excellence is fundamental to how we scale,” said Alex Clements, Global Head of AML at TransferMate. “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.”

“TransferMate’s implementation demonstrates how responsible, transparent AI can deliver measurable impact at scale,” said Tim Khamzin, Founder and CEO of Vivox AI. “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.”

“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,” added Alex Clements.

The programme reflects a broader shift across regulated financial services towards trusted, auditable and regulator‑ready AI technologies that support operational growth while strengthening governance and control. TransferMate’s deployment will be complemented by independent AI assurance to validate safety, governance and regulatory alignment, reinforcing the firm’s commitment to responsible innovation.