Spektr, a compliance infrastructure provider for the FinTech sector, has launched Spektr 2.0, a reimagined platform designed to power every stage of the customer lifecycle.
The release marks a significant shift from providing standalone compliance tools to delivering a fully modular infrastructure equipped with AI-powered decision-making capabilities.
The launch responds to a growing demand from clients for more than just additional features. Over time, Spektr noticed its users wanted the flexibility to reuse compliance logic in new ways, iterate faster, and expand capabilities across onboarding, monitoring, merchant reviews, and source-of-funds checks. This need for greater agility and integration led to the creation of an entirely new platform architecture.
Founded to modernise compliance processes, Spektr’s first version helped some of Europe’s most innovative FinTech firms automate decision-making, handle KYC and KYB processes, and replace manual checks with structured, audit-ready workflows. By eliminating backlogs and fragile internal tools, the company gave compliance teams renewed confidence and control over regulatory processes.
Spektr 2.0 introduces two major components: an AI toolbox featuring specialist AI agents for enhanced decision-making, and Spektr modules — a flexible way to set up compliance workflows without replacing existing infrastructure. These modules allow teams to connect risk checks, automate onboarding, and trigger escalations based on real-time data, all while maintaining a unified decision engine.
The new AI agents move beyond static decision trees, instead interpreting intent and constraints to make recommendations accompanied by full explanations and policy references. This level of transparency addresses a long-standing concern around the “black box” nature of AI in compliance.
Additional features include policy versioning, pre-launch testing, and the ability to introduce new logic without disrupting live systems. The modular nature of Spektr 2.0 enables it to scale and adapt as business requirements evolve, making it suitable for both fast-moving startups and regulated institutions.
Early adopters are already using Spektr 2.0 to automate merchant onboarding, develop internal review processes, and implement adaptive policies that adjust to real-time risk indicators, with reduced coding and operational overhead.
Spektr chief product officer Jeremy Joly said, “spektr 2.0 is built to change. You can version policies, test updates before going live, and introduce new logic without disrupting what’s already working. It’s infrastructure in the real sense: stable, extensible, and designed to adapt as you grow.”
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