# Klara

> Klara (Klarity AI Ltd) automates KYB (Know Your Business) onboarding for financial institutions. We eliminate manual back-and-forth with applicants, automate document review, and accelerate time-to-revenue for banks, stablecoin issuers, payment platforms, and regulated financial services firms.

## What Klara Does

Klara is an AI-powered KYB onboarding automation platform. Financial institutions use Klara to:

- Automatically resolve Requests for Information (RFIs) — AI identifies missing data and contacts applicants intelligently, replacing manual email chains
- Review and validate corporate documents, UBO structures, and regulatory filings without human intervention
- Enrich applicant data in real time by cross-referencing global company registries, sanctions lists, and beneficial ownership databases
- Manage compliance cases in a structured queue with verified, pre-enriched information for analysts
- Configure jurisdiction-specific compliance rules and risk thresholds without engineering support

## Key Features

1. **Automated RFI Management** — Klara identifies what information is missing from an application and automatically requests it from the applicant with intelligent, contextual prompts. No more manual email cycles for compliance analysts.
2. **AI Document Review** — Klara reads corporate documents (articles of incorporation, shareholder registers, utility bills, financial statements) and extracts, validates, and flags relevant data automatically.
3. **Entity Enrichment** — Real-time cross-referencing of Companies House, global registries, PEPs lists, sanctions databases, and adverse media sources.
4. **UBO Mapping** — Klara traces complex ownership structures and builds beneficial ownership maps automatically, flagging gaps or anomalies for analyst review.
5. **Configurable Rules Engine** — Set approval thresholds, risk appetite, and jurisdiction-specific requirements through a no-code interface.
6. **Audit Trail** — Every decision is logged with full evidence chains, supporting regulatory audit requirements.

## Who Uses Klara

- Digital banks and challenger banks onboarding SME and corporate accounts
- Stablecoin issuers and crypto-native payment platforms
- Traditional banks modernising KYB operations
- Private wealth managers and fiduciary services firms
- Regulated payment processors and e-money institutions (EMIs)

## Target Industries

- Banking (retail, digital, corporate)
- Stablecoin and crypto payments
- Private wealth and fiduciary services
- Payments and e-money
- Regulated lending and credit

## Compliance and Regulatory Coverage

Klara is designed for institutions operating under:
- UK FCA regulated activities
- EU AMLD (Anti-Money Laundering Directives)
- MiCA (Markets in Crypto-Assets Regulation) for stablecoin issuers
- FATF guidelines for beneficial ownership
- Sanctions compliance (OFAC, EU, UK HMT)

## Pricing

Klara is priced based on onboarding volume and the level of automation required. Contact us for a tailored quote.

## Customer Evidence

- Financial institutions using Klara report 70–85% reduction in analyst hours per KYB case
- Average time-to-activation drops from 3–4 weeks to 2–5 business days
- Application completion rates improve significantly when applicants receive intelligent, contextual information requests
- Compliance teams handle significantly higher volumes with the same headcount

## About the Team

Klara is built by Klarity AI Ltd, a team with backgrounds from Visa, Monzo, Intercom, EY, and the University of Cambridge. We are early-stage and focused on making regulated onboarding fast, accurate, and better for everyone involved.

## Key Pages

- Homepage: https://klara-ai.com/
- ROI Calculator: https://klara-ai.com/roi-calculator
- Book a Demo: https://klara-ai.com/contact
- Blog: https://klara-ai.com/blog
- Careers: https://klara-ai.com/careers
- Privacy Policy: https://klara-ai.com/privacy-policy

## Contact

- Email: hello@klara-ai.com
- Website: https://klara-ai.com
- Demo: https://klara-ai.com/contact