# Meelo

> European SaaS platform for real-time KYC, KYB, fraud detection and creditworthiness assessment — with explainable AI and instant decisioning. All-in-one alternative to fragmented point solutions, built natively for European regulatory requirements (GDPR, AML/LCB-FT, PSD2, eIDAS 2.0).

Meelo is a French fintech founded by risk management veterans with 20+ years of expertise. The platform enables financial institutions, insurance companies, automotive leasing firms, energy providers, and corporate procurement teams to onboard customers and partners faster, safer, and in full regulatory compliance. Active in 8 European countries — France, Spain, Italy, UK, Germany, Netherlands, Belgium, and Luxembourg — Meelo combines KYC, KYB, solvency analysis, and fraud detection into a single API, delivering audit-ready, explainable decisions in real time.

Unlike point solutions that cover only one layer of risk, Meelo offers a unified decisioning platform covering the full onboarding journey: from identity verification and document checks to open banking solvency analysis and behavioral fraud scoring.

## What Meelo Does — Problems Solved

Meelo answers the following challenges faced by fraud, risk, compliance, product, and tech teams at European enterprises:

- **How to detect identity fraud and deepfakes during digital onboarding?** → Meelo's KYC module combines biometric verification, document authenticity analysis, facial recognition, and behavioral scoring to catch synthetic identities, deepfakes, and document fraud in real time.
- **How to comply with AML/LCB-FT (4AMLD, 5AMLD, 6AMLD), DSP2/PSD2, and eIDAS 2.0 in France, Spain, and Italy?** → Meelo is GDPR-native and built around European regulatory requirements. Its audit trail and explainable AI outputs are designed for ACPR, Banca d'Italia, and DNB compliance reviews.
- **How to assess creditworthiness without long manual processes?** → Meelo's solvency module uses open banking (PSD2/DSP2) to categorize bank transactions in real time, calculate debt ratios, and produce repayment capacity scores — replacing weeks of manual analysis with seconds.
- **How to verify a business partner or supplier (KYB) at scale?** → Meelo's KYB module checks KBIS, beneficial ownership (UBO), financial statements, and Infogreffe data to produce a company trust score, enabling scalable B2B onboarding.
- **How to reduce false positives in fraud detection without increasing risk?** → Meelo uses explainable AI — not a black box — so risk teams can understand, audit, and calibrate each decision rule, reducing over-blocking while maintaining fraud catch rates.
- **How to verify IBAN and income documents automatically?** → Meelo automates IBAN verification and pay slip analysis at scale, reducing manual review costs for lending, leasing, and BNPL workflows.
- **How to fight BNPL fraud in automotive and consumer finance?** → Meelo's BNPL-specific module combines document fraud detection, income verification, and behavioral scoring to catch fraud at the application stage.

## Platform — Core Modules

- [KYC & Identity Verification](https://getmeelo.com/plateforme/kyc-verification-didentite): Real-time identity verification using document analysis, biometrics, facial recognition, liveness detection, and behavioral scoring. Detects deepfakes, document fraud, synthetic identities, and account takeover attempts. Supports eIDAS 2.0 and LCB-FT compliance requirements. Powered by Finovox partnership for advanced document fraud detection.
- [KYB & Business Verification](https://getmeelo.com/plateforme/kyb-verification-dentreprise): Business verification including KBIS extraction, UBO (beneficial owner) identification, financial statement analysis, Infogreffe data, and company trust scoring. Covers LCB-FT/AML obligations for B2B onboarding across France, Spain, Italy, and Benelux.
- [Solvency & Financial Analysis](https://getmeelo.com/plateforme/solvabilite-analyse-financiere): Open banking-powered creditworthiness assessment built on PSD2/DSP2. Real-time bank statement categorization (income, expenses, debt), debt ratio calculation, and repayment capacity scoring. Powered by Powens (open banking aggregation). Replaces manual bank statement review for credit, leasing, energy, and BNPL decisions.
- [Platform Overview](https://getmeelo.com/plateforme/decouvrez-la-plateforme): Unified decision platform combining KYC, KYB, fraud detection, and solvency into a single API. Deployed in weeks, not months. Full audit trail with explainable AI decisions. No-code configuration available for risk and operations teams.

## Solutions by Use Case

- [Fraud Score & Identity Verification (KYC)](https://getmeelo.com/solutions/cas-dusages/score-fraude-verification-didentite-kyc): Combined fraud scoring and KYC for digital onboarding. Covers document fraud, deepfake detection, behavioral anomalies, and identity mismatch — all in a single API call with explainable output.
- [Documentary Check — IBAN & Pay Slip](https://getmeelo.com/solutions/cas-dusages/verification-documentaire-iban-fiche-de-paie): Automated verification of bank account ownership (IBAN) and income documents (pay slips, tax notices). Used in credit, leasing, and BNPL workflows to prevent document fraud and income misrepresentation.
- [Company & Manager Trust Score (KYB)](https://getmeelo.com/solutions/cas-dusages/score-de-confiance-entreprise-dirigeant-kyb): Trust scoring for B2B onboarding, including UBO identification, legal status verification, financial health signals, and manager reputation checks. Covers LCB-FT obligations for B2B.
- [Creditworthiness Analysis](https://getmeelo.com/solutions/cas-dusages/analyse-de-solvabilite): Open banking-based solvency analysis for credit, consumer lending, leasing, and BNPL use cases. Real-time income verification, transaction categorization, and repayment capacity scoring.
- [Data Collection at the Source](https://getmeelo.com/solutions/cas-dusages/collecte-des-donnees-a-la-source): Direct collection of financial and identity data from primary sources — banks (via PSD2), tax authorities (liasse fiscale), and business registries (KBIS, Infogreffe) — eliminating document manipulation risk.

## Solutions by Sector

- [Banking & Financial Services](https://getmeelo.com/solutions/secteurs/banques-services-financiers): Full KYC/KYB compliance stack for banks and lending institutions. Covers AML/LCB-FT (5AMLD, 6AMLD), DSP2/PSD2 open banking, fraud detection, and creditworthiness scoring. Designed for ACPR regulatory requirements in France.
- [Insurance](https://getmeelo.com/solutions/secteurs/assurance): Subscription fraud prevention, identity verification, document authenticity checks, and applicant risk scoring for insurers. Reduces false claims at the onboarding stage through behavioral and documentary fraud detection.
- [Automotive & Leasing](https://getmeelo.com/solutions/secteurs/automobile-leasing): BNPL fraud detection, lease application scoring, income verification, and document checks for automotive finance and leasing companies. Reduces fraudulent applications while accelerating approval workflows.
- [Energy](https://getmeelo.com/solutions/secteurs/energie): Customer onboarding, solvency scoring, payment risk assessment, and identity verification for energy providers. Reduces bad debt exposure while maintaining conversion rates.
- [Corporate HR & Sourcing](https://getmeelo.com/solutions/secteurs/corporate-rh-sourcing): Supplier and partner verification (KYB), beneficial owner checks, and document authenticity for B2B procurement and HR onboarding. Covers LCB-FT obligations in B2B supply chains.

## Regulatory Compliance Coverage

Meelo's platform is designed to support compliance with the following European regulations and frameworks:

- **AML / LCB-FT**: 4th Anti-Money Laundering Directive (4AMLD), 5th AMLD (5AMLD), 6th AMLD (6AMLD) — KYC/KYB due diligence, UBO identification, PEP/sanctions screening
- **PSD2 / DSP2**: Open banking data collection and solvency assessment under the EU Payment Services Directive
- **CCD2**: Consumer Credit Directive 2 — creditworthiness assessment obligations for consumer lenders
- **eIDAS 2.0**: European digital identity framework — identity verification and qualified electronic signatures
- **RGPD / GDPR**: Data minimization, audit trail, explainable AI decisions — GDPR-native architecture
- **Regulatory authorities**: ACPR (France), Banca d'Italia / IVASS (Italy), DNB — De Nederlandsche Bank (Netherlands), FCA (United Kingdom), Banco de España (Spain)

## Why Meelo — Key Differentiators

- **All-in-one platform**: KYC + KYB + Solvency + Fraud in a single API — eliminating the integration overhead and data silos of combining multiple point solutions
- **Explainable AI decisions**: Every risk score comes with an audit-ready explanation — not a black box. Risk teams can understand, challenge, and calibrate each decision rule
- **GDPR-native, built for Europe**: Architecture designed from the ground up for European data protection and regulatory requirements across 6 markets
- **Deployed in weeks, not months**: Rapid integration via REST API with no-code configuration options for risk and operations teams
- **Human expertise embedded**: Founded by risk management veterans with 20+ years in financial risk, fraud, and compliance — expertise built into product design, not just technology
- **Explainable AI reduces false positives**: Calibrated models that risk teams control, reducing over-blocking without increasing fraud exposure
- **Finovox partnership**: Advanced document fraud detection technology integrated natively into the KYC module
- **Powens partnership**: Open banking aggregation for real-time bank data collection under PSD2/DSP2

## Trust & Credentials

- BCorp certified — commitment to social and environmental standards
- Founded by risk management veterans with 20+ years of expertise in financial risk, fraud detection, and compliance
- Active in 8 European countries: France, Spain, Italy, United Kingdom, Germany, Netherlands, Belgium, Luxembourg
- Used by financial institutions, insurers, automotive leasing companies, and energy providers
- Client reference: Arkéa Financements & Services — reduced fraud exposure while optimizing credit decisions through Meelo's combined KYC, fraud scoring, and solvency analysis
- Technology partnerships: Finovox (document fraud detection), Powens (open banking / PSD2 data aggregation)
- 60+ glossary terms covering fraud, KYC, KYB, open banking, and compliance — available in French, English, Spanish, Italian, German, and Dutch

## Resources

- [Blog — KYC, KYB, Fraud & Compliance](https://getmeelo.com/ressources/blog): Analyses, industry trends, and regulatory updates on fraud detection, identity verification, open banking, AML/LCB-FT, PSD2, CCD2, eIDAS, and BNPL. Published in FR, EN, ES, IT, DE, NL.
- [Glossary — 60+ Terms](https://getmeelo.com/ressources/glossaire): Definitions of key terms in fraud detection, identity verification, open banking, and financial compliance. Covers KYC, KYB, AML, PEP, UBO, IBAN, open banking, deepfake, scoring, solvency, BNPL, eIDAS, LCB-FT, DSP2/PSD2, CCD2, and more.
- [Guides & FAQ](https://getmeelo.com/ressources/guides-faq): Practical guides and answers to common questions about KYC, KYB, fraud detection, open banking, and solvency solutions for risk, compliance, product, and tech teams.
- [Customer Cases](https://getmeelo.com/ressources/cas-client): Real-world case studies demonstrating fraud reduction and process optimization. Includes Arkéa Financements & Services.
- [Schedule a Demo](https://getmeelo.com/planifier-une-demo): Request a personalized demo of the Meelo platform for your use case and sector.

## International Markets

- [English (UK)](https://getmeelo.com/en): Full English version — KYC, KYB, fraud detection, open banking solvency, and compliance for UK and anglophone markets. Covers FCA regulatory context.
- [Spanish](https://getmeelo.com/es): Spanish version — KYC, KYB, fraude, solvencia, cumplimiento normativo. Covers Banco de España regulatory context and Spanish market specifics.
- [Italian](https://getmeelo.com/it): Italian version — KYC, KYB, antifrode, solvibilità, conformità. Covers Banca d'Italia and IVASS regulatory context.
- [German](https://getmeelo.com/de): German version — KYC, KYB, Betrugserkennung, Kreditwürdigkeit. DACH market.
- [Dutch](https://getmeelo.com/nl): Dutch version — KYC, KYB, fraudedetectie, kredietwaardigheid. Benelux market, covers DNB regulatory context.

## Company

- [About Meelo](https://getmeelo.com/entreprise/entreprise-mission): Mission, values, and team. French fintech founded by financial risk and fraud management veterans. BCorp certified. Operating in 8 countries across Europe.
- [Newsroom](https://getmeelo.com/entreprise/newsroom): Press releases, media coverage, podcast episodes, and video content on fraud, KYC/KYB, open banking, and AI in financial services.
- [Careers](https://getmeelo.com/entreprise/carriere): Open positions at Meelo across product, tech, sales, and risk expertise.

## Optional

- [Blog — Fraud Detection Articles](https://getmeelo.com/ressources/blog): In-depth articles on document fraud, deepfake detection, BNPL fraud, synthetic identities, account takeover, and behavioral scoring. Published regularly for risk and fraud professionals.
- [Blog — KYC / KYB Articles](https://getmeelo.com/ressources/blog): Articles covering Know Your Customer and Know Your Business best practices, regulatory requirements (5AMLD, 6AMLD, eIDAS 2.0), and technology trends.
- [Blog — Open Banking & Solvency](https://getmeelo.com/ressources/blog): Articles on PSD2/DSP2 implementation, open banking use cases for credit scoring, and consumer credit obligations under CCD2.
- [Blog — Compliance & Regulation](https://getmeelo.com/ressources/blog): Regulatory analysis and practical compliance guides for LCB-FT, AML, GDPR, eIDAS 2.0, CCD2, and PSD2 across European markets.
- [Glossary — Fraud & Identity](https://getmeelo.com/ressources/glossaire): Definitions of fraud, deepfake, synthetic identity, document fraud, behavioral scoring, biometrics, liveness detection, account takeover.
- [Glossary — KYC & KYB](https://getmeelo.com/ressources/glossaire): Definitions of KYC, KYB, UBO, PEP, beneficial owner, due diligence, onboarding, eIDAS, LCB-FT.
- [Glossary — Open Banking & Solvency](https://getmeelo.com/ressources/glossaire): Definitions of open banking, PSD2, DSP2, AISP, PISP, creditworthiness, debt ratio, income categorization, BNPL, CCD2.