COLIBRIX ONE Taps Vivox AI for KYB Checks
The multi-year agreement uses AI agents to automate know-your-business verification for merchants in the UK and EU.
Updated on Nov. 7, 2026 in Artificial Intelligence
COLIBRIX ONE has selected Vivox AI under a multi-year agreement to automate know-your-business checks across its UK and EU merchant base. The rollout covers corporate document verification, ultimate beneficial owner mapping, and sanctions and adverse media screening, with compliance staff approving each case before closure.
Why it matters
Manual due diligence on merchants with complex, multi-jurisdiction ownership structures has become an operational bottleneck for payment firms. Tighter anti-money laundering expectations from the UK Financial Conduct Authority make faster, auditable merchant checks a growing priority.
Vivox AI's agents draw on corporate registry data across more than 155 countries and generate traceable findings linked to underlying sources. Vendor-reported figures from a prior TransferMate deployment cite a drop in due diligence time from about 60 minutes to under 15 per case, but these results have not been independently verified.
The players
COLIBRIX ONE
COLIBRIX ONE is a payment firm within the Mellifera group, authorised by the UK Financial Conduct Authority as an electronic money institution (FRN 927920) and holding a parallel authorisation through Mellifera Kartiera Limited from the Malta Financial Services Authority.
Vivox AI
Vivox AI is a provider of AI agents for regulatory compliance tasks such as know-your-business verification and sanctions screening.
Financial Conduct Authority
The Financial Conduct Authority is the UK financial regulator that oversees anti-money laundering controls and merchant due diligence for e-money institutions.
The details
Vivox AI's agents identify ownership structures, shareholders and directors, then produce a full customer or enhanced due diligence report for analyst review. COLIBRIX ONE, operated within the Mellifera group, will keep its compliance team in the loop to review and approve every case before it is closed.
Timeline
November 7, 2026: Vivox AI announces the COLIBRIX ONE agreement.
2027: Planned extension to ongoing monitoring and additional entity types.
The Tech Race
The agreement follows the regulatory pressure the Financial Conduct Authority has applied to e-money institutions in recent years, pushing payment firms toward automated compliance tooling. It positions Vivox AI within a growing field of vendors competing to replace manual KYB workflows.
Merchants onboarded by COLIBRIX ONE in the UK and EU may find their due diligence completed faster as checks move to automated agents. Compliance reviewers will still approve each case before it closes, so the human sign-off step remains in place.
The takeaway
Automated know-your-business tools can speed merchant checks, but their real-world accuracy will depend on results that go beyond vendor-reported pilot figures. Watch for independent testing as the rollout widens.
What happens next
The rollout is planned to extend to ongoing monitoring and additional entity types in 2027.
Further reading
Explore more on Artificial Intelligence developments shaping compliance and finance.
Source note: This article includes information reported by The Fintech Times.
