For many FinTech firms, compliance capacity quietly caps expansion. Every new market or vertical means more analysts, more tools and more time.
According to Duna, commerce technology company SeQura has broken that link, moving its Know Your Business (KYB) onboarding onto Duna’s policy engine and cutting average review time per case from 243 minutes to 14.9 minutes, a 16.3-fold improvement.
SeQura serves more than 6,000 merchant stores and over 3 million buyers across Southern Europe. By summer 2024, Duna says, KYB had become the company’s growth bottleneck. Its form-based tool gathered merchant data but validated none of it, so the team had surrounded it with separate tools and some manual checks. A standard case required four or five systems and roughly four hours of analyst effort, while multi-owner cases could consume an entire afternoon.
SeQura head of onboarding Fuen Hidalgo said, “efore Duna, the team had to open one tool to verify documentation, another for screening. We were jumping from tool to tool.”
The key shift, Duna explains, was choosing a policy engine rather than another workflow builder. Workflow tools organise tasks between people but do not reduce them. With Duna, SeQura’s compliance team, led by compliance officer Daniel Zipse, sets the rules on risk tiers, required documents per legal form and triggers for enhanced due diligence. Duna then applies those rules to every incoming case automatically.
SeQura head of product Rafael Alvares said, “Capacity used to be the constraint on growth. Every new vertical or market meant another round of hiring. With Duna running the policy on every case, the operation scales with the policy, not with cost.”
The model was tested in early 2025, when SeQura reboarded 1,700 active merchants for mandatory periodic reviews while handling its normal flow. On the old stack, that queue would have required almost 7,000 analyst-hours. On Duna, it took about 420, around 6% of the previous workload.
The merchant experience improved too. Because the engine encodes requirements by legal form, vertical and risk profile, each merchant sees only relevant fields, with registry data such as directors and ultimate beneficial owners pre-filled. First-time right rose from 50% to 88%, a 76% increase. Average active onboarding time is 27.5 minutes, and 95.2% of reviews end in approval.
SeQura head of product Rafael Alvares said, “Duna runs every screening and verification check against our policy before the case reaches an analyst. 88% first-time right is a result we are genuinely happy with.”
Adverse media, PEP checks, ID verification and watchlist hits now appear in a single case file before an analyst opens it, freeing the ten-person team to focus on high-risk and edge cases.
SeQura head of onboarding Fuen Hidalgo said, “Duna’s automation has changed our day-to-day. Going from over four hours per case to under fifteen minutes inside Duna means analysts spend their time on the cases that need judgment, not on the cases that don’t.”
Amsterdam-based Duna provides AI-native compliance infrastructure for banks and large FinTechs and is backed by Index Ventures and CapitalG. Its customers include Plaid, Brand New Day, Moss and Bol.
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