Accelerate onboarding.
Automate compliance.
Onboarding and financial promotion compliance for FinTech platforms.
Compliance Dashboard
Suitability Assessment
Recent Activity
Assessment #4821 approved
Risk score: Low • 2s ago
Assessment #4820 processing
Verifying documents...
Assessment #4819 escalated
Requires manual review
Manually built compliance journeys are fragile by design.
Most platforms assemble onboarding, investor checks, and promotion flows in-house. They take months to build, require constant testing, and still regularly fall short of FCA requirements.
Hand-built compliance journeys
Teams spend months coding FCA onboarding flows that are complex, fragile, and difficult to keep consistent.
Audit-grade evidence gaps
When regulators ask how a customer was assessed, decision evidence is scattered across systems instead of stored in a clear audit trail.
Hidden regulatory exposure
Outdated rule logic, inconsistent assessments, and manual interventions create breach and complaints risk.
Conversion versus compliance tension
Platforms must block unsuitable investors without deterring good ones, yet most lack tools to measure or optimise this trade-off.
Compliance automation for regulated FinTech platforms
We help teams design, run, and maintain regulatory customer journeys and compliance workflows without hand-building complex logic, rewriting flows for every rule change, or scrambling during audits.
Regulatory Updates as a Service
FCA guidance is continuously monitored and translated into updated regulatory logic, ensuring your platform remains aligned without internal re-interpretation or redevelopment.
FCA-Aligned Rules Engine
Structured rulesets implement COBS 4.12A/B/C, appropriateness testing, financial promotion controls, and Consumer Duty requirements within a consistent decision framework.
Audit-ready decision records
All assessments are fully traceable. Every decision is timestamped, every rule application recorded, and complete evidence trails can be produced on request.
Configurable without redevelopment
New products and customer journeys can be implemented through configuration rather than engineering rebuilds, reducing time to market and dependency on legal review cycles.
Institutionalised regulatory logic
Regulatory interpretation and decision logic are maintained within the platform, ensuring continuity and consistency beyond individual staff or teams.
Integration with existing journeys
Embeddable interfaces and APIs integrate with existing customer experiences while Sentiquo manages the underlying compliance logic.
How Sentiquo works
Configure and operate FCA-aligned compliance journeys.
Design compliant customer journeys directly within your environment. AI-assisted recommendations suggest questions and rules, while you retain full control.
Select a regulatory template
COBS 4.12A/B/C alignedChoose FCA-aligned templates for financial promotions, investor classification, appropriateness, and Consumer Duty.
Add questions from the library
FCA guidance mappedInsert tested question sets drawn from regulatory guidance and established good practice.
Configure rules and thresholds
Appropriateness logicDefine pass, fail, and escalation logic through configuration rather than code.
Customise user experience
Consumer Duty compliantAdjust wording, ordering, and branding while preserving regulatory sequencing.
Select a regulatory template
COBS 4.12A/B/C alignedChoose FCA-aligned templates for financial promotions, investor classification, appropriateness, and Consumer Duty.
Add questions from the library
FCA guidance mappedInsert tested question sets drawn from regulatory guidance and established good practice.
Configure rules and thresholds
Appropriateness logicDefine pass, fail, and escalation logic through configuration rather than code.
Customise user experience
Consumer Duty compliantAdjust wording, ordering, and branding while preserving regulatory sequencing.
Run consistent FCA-aligned assessments at scale with full auditability.
Customer completes journey
API and embedded captureData is captured through your website or application via embedded components or API.
Rules engine evaluates responses
Real-time COBS validationRegulatory rules are applied in real time, with AI assisting in scoring and anomaly detection.
Compliance decision recorded
Classification audit readyOutcomes are classified as approved, escalated, or rejected according to configured policy.
Audit trail stored
FCA Section 166 exportableAll decisions and applied rules are recorded in a complete, exportable evidence record.
Customer completes journey
API and embedded captureData is captured through your website or application via embedded components or API.
Rules engine evaluates responses
Real-time COBS validationRegulatory rules are applied in real time, with AI assisting in scoring and anomaly detection.
Compliance decision recorded
Classification audit readyOutcomes are classified as approved, escalated, or rejected according to configured policy.
Audit trail stored
FCA Section 166 exportableAll decisions and applied rules are recorded in a complete, exportable evidence record.
Built for FCA-regulated platforms
Sentiquo supports fintechs and investment platforms operating under FCA investment and financial promotion rules.
Platform types
Teams and roles
Investment platforms
Manage investor classification, appropriateness assessments, and financial promotion controls aligned with COBS 4.12A/B/C and COBS 10 requirements.
Crowdfunding platforms
Handle investor eligibility, promotion approvals, and audit evidence for equity and debt crowdfunding under FCA financial promotion rules.
Cryptoasset platforms
Support compliant promotion and onboarding flows for UK customers under the cryptoasset financial promotions regime.
Angel syndicates and SPVs
Manage investor qualification, appropriateness checks, and controlled investment communications for syndicated deals.
Private markets and wealth platforms
Distribute alternative and private assets to retail and professional investors with consistent classification and appropriateness logic.
Compliance and legal
Define regulatory interpretation, maintain rule logic, review escalations, and produce audit-ready evidence without manual reconciliation.
Product and engineering
Implement and adapt compliant customer journeys through configuration rather than custom code.
Operations and onboarding
Run consistent investor assessments, manage escalations, and reduce manual review effort.
Risk and audit
Access complete decision records, rule application logs, and exportable evidence trails for supervisory review.
Leadership
Gain visibility into compliance performance, operational risk, and readiness for regulatory scrutiny.
If your business involves marketing investment products to UK customers, Sentiquo helps you remain compliant as you scale.
Results that matter
Outcomes platform operators actually care about
Projected outcomes based on product design and industry benchmarks.
From promotion to onboarded
A modular platform that grows with your compliance needs
Financial Promotions
Automatically scan marketing materials for FCA compliance. Flag risks, suggest corrections, and maintain approval audit trails.
- Real-time content scanning
- Risk classification engine
- Approval workflow automation
Suitability & Appropriateness
AI-driven assessments that evaluate customer knowledge, experience, and financial situation against product requirements.
- Dynamic questionnaire logic
- Automated scoring & decisioning
- Escalation to compliance team
KYC & Onboarding
End-to-end identity verification, document validation, and risk scoring — orchestrated through a single platform.
- IDV provider integrations
- Source of funds checks
- PEP & sanctions screening