Under the arrangement, Vivox AI’s explainable AI agents will handle corporate document verification, ultimate beneficial owner mapping, and sanctions and adverse media screening. Every AI-generated finding is traceable to its underlying source, and COLIBRIX ONE’s compliance team will review and approve each case before it is closed. The rollout covers merchant onboarding in the UK and EU, with plans to extend to ongoing monitoring and additional entity types in 2027.

Vivox AI’s agents draw on corporate registry data across more than 155 countries to identify ownership structures, shareholders and directors, then generate a full customer due diligence or enhanced due diligence report for analyst review. In an earlier deployment at international payments firm TransferMate, the company said due diligence time fell from roughly 60 minutes to under 15 minutes per case, with screening alerts declining by 86 per cent. Those figures come from Vivox AI’s own account of the TransferMate project and have not been independently verified.

Tim Khamzin, founder and chief executive of Vivox AI, said: “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.”

COLIBRIX ONE is authorised by the UK Financial Conduct Authority as an electronic money institution (FRN 927920) and holds a parallel authorisation through Mellifera Kartiera Limited from the Malta Financial Services Authority . Its product stack includes card acquiring for one-time and recurring transactions, multi-currency current accounts with dedicated named IBANs, and global payouts, with principal memberships at Visa and Mastercard.

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