UK-based secured lender Ponte Finance has partnered with iDenfy, a Lithuania-based RegTech specialising in digital identity verification and AML screening, to strengthen its borrower and investor onboarding processes.
The collaboration has been designed to help Ponte meet its compliance obligations under the UK’s Money Laundering Regulations, while also delivering a more efficient verification journey for both borrowers and investors, claims IDTechWire.
The move reflects a broader trend among new lenders to leverage third-party RegTech platforms as part of lean, API-first operating models.
Ponte Finance operates a short-term, asset-backed lending platform via its borrower and investor portals at ponte.finance. The firm has recently announced completions such as a £122,250 buy-to-let loan in June, and sets a minimum investment threshold of £1,000 for investors. Investor onboarding requires passing know your customer (KYC) and AML checks, now managed through iDenfy, while payments are handled via Yapily’s Open Banking integrations.
iDenfy provides a wide suite of compliance solutions including document capture, identity verification, sanctions and politically exposed person (PEP) checks, 3D liveness detection, and AML monitoring. The company has gained traction across regulated industries, with a “pay per approved verification” pricing model that allows clients to scale efficiently. Earlier this year, iDenfy launched a partner programme to drive adoption and was recognised by G2 as one of the leading identity verification providers.
The firm has extended its reach beyond financial services into mobility, crowdlending, and crypto. Notable deals include a partnership with Evemo to verify shared mobility users, a collaboration with Venevo to strengthen crowdlending security, and an integration with Okazio to help meet upcoming MiCA compliance requirements.
For Ponte, the partnership will likely encompass borrower document capture, sanctions and PEP screening, and investor verification with ongoing monitoring. By automating these processes, the lender reduces manual overhead while ensuring adherence to Financial Conduct Authority (FCA) rules on risk-based verification and record-keeping.
The partnership highlights the increasing role of RegTech platforms in enabling newer lenders to maintain compliance while keeping operations streamlined and cost-efficient.
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