TransferMate, a provider of embedded B2B payments infrastructure, has completed a full global rollout of trusted, explainable AI agents from Vivox AI to serve as its new Know Your Business (KYB) automation platform.
The deployment is designed to support TransferMate’s rapid expansion across the Asia Pacific region and other key global markets. As rising onboarding and due diligence volumes threatened to create operational bottlenecks, the payments firm required a scalable compliance operating model capable of absorbing growth without compromising strict regulatory standards.
TransferMate currently operates the largest regulated fintech payments infrastructure in the world, holding 100 licences and serving customers across APAC, the Americas, and Europe.
Enterprise-grade AI orchestration
To accelerate its KYB and customer due diligence workflows, the firm turned to London-based Vivox AI.
Vivox AI’s platform enables compliance teams to execute comprehensive reviews by leveraging an ensemble of specialised models, more than 24 integrated verification and screening APIs, and over 35 AI models.
Key capabilities of the newly deployed system include:
- Analysing up to 100 complex corporate documents and registries per case.
- Identifying ultimate beneficial owners (UBOs), shareholders, and directors.
- Performing sanctions, politically exposed person (PEP), and adverse media screening.
- Generating complete customer due diligence (CDD) or enhanced due diligence (EDD) reports.
- Processing multiple document formats—including large files and low-quality images—across more than 100 countries.
Rapid deployment and human-in-the-loop learning
The live operational deployment was completed in a record-breaking eight weeks.
A core component of the implementation is a self-learning AI agent that operates strictly within Vivox AI’s governance framework. As part of the implementation, Vivox AI configured control modules aligned with TransferMate’s internal policies to evaluate the agents against defined risk, quality, explainability, and human oversight criteria.
During the first two weeks of live production use, the system continuously incorporated feedback from TransferMate’s senior analysts. Because of this controlled, human-in-the-loop learning, the quality approval rate of AI-generated outcomes increased from approximately 60 per cent to around 80 per cent, demonstrating measurable performance improvement.
Industry perspectives
Alex Clements, global head of AML at TransferMate, highlighted the necessity of the upgrade: “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.”
Clements also noted that the level of detail within Vivox’s AI governance framework provides confidence that the firm can demonstrate robust controls during audits and regulatory inspections relating to AI use.
Tim Khamzin, Founder and CEO of Vivox AI, added: “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.”
The deployment reflects a broader shift across regulated financial services towards trusted and auditable AI technologies. TransferMate’s programme will soon be complemented by independent AI assurance to further validate its safety, governance, and regulatory alignment, reinforcing the firm’s commitment to responsible innovation.
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