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What is Fourthline?
Fourthline is an Amsterdam-based KYC and AML company founded in 2017. Its clients include Revolut, N26, Trade Republic, Qonto, Rabobank and Bitpanda. In November 2026 it completed a merger with Spanish biometrics company Veridas, backed by up to €65M, with Fourthline CEO Paul Stoddart leading the combined group.
Fourthline sells a modular compliance platform to regulated financial companies: identity verification, digital proof of address, qualified electronic signatures, AML screening and monitoring, client authentication, re-KYC and remediation, investigations and CDD reporting, and a case review portal. It says it supports 3,500+ document types, reads NFC chips in passports and ID cards, and is locally compliant in more than 30 jurisdictions. Its Swedish subsidiary became a qualified trust service provider for electronic signatures in August 2026.
The company focuses on banks, neobanks, neobrokers, embedded finance providers and marketplaces rather than every vertical. Fourthline cites a 98.7% approval accuracy and a 390% risk-adjusted ROI from a commissioned study, and holds ISO/IEC 27001:2022 certification plus an ISAE 3000 report. Verification data is processed in European data centres. Developers get API documentation and Postman collections, and Fourthline publishes guidance on the EU AML Regulation that applies from July 2027.
On November 3, 2026, Fourthline completed its merger with Veridas, with up to €65M of equity and debt from Finch Capital, Seaya Andromeda and Ashgrove Capital. The combined company expects more than €50M of revenue in 2026 and targets €85M ARR by 2029. Existing customers keep their contracts and integrations, and the two platforms are being integrated in phases. Pricing is not published; Fourthline quotes by volume and module.
Fourthline news
Fourthline completes merger with Veridas
The combined identity and fraud company has up to €65M of financing, expects more than €50M of revenue in 2026 and is led by Fourthline CEO Paul Stoddart.
Key features
Identity verification
Document and biometric checks with liveness and NFC chip reading, covering 3,500+ document types.
AML screening and monitoring
Sanctions, PEP and adverse media screening at onboarding and on an ongoing basis.
Re-KYC and remediation
Refreshes customer files for existing books of clients, including periodic and event-driven reviews.
Fraud detection
Flags synthetic identities, document tampering and other onboarding fraud signals.
Qualified electronic signatures
QES issued through Fourthline's Swedish subsidiary, a qualified trust service provider since August 2026.
Digital proof of address
Verifies a customer's address digitally as part of onboarding.
Investigations and case review
CDD reporting and a case review portal for analysts working alerts and escalations.
Fourthline pricing
Starting price: Custom (as of Nov 2026)
Fourthline does not publish pricing. It licenses its platform to regulated institutions based on verification volume and the modules selected.
| Plan | Price | What's included |
|---|
Free trial: No public free trial is listed; contact sales for a demo.
Pros & cons
Pros
- Covers KYC, AML screening, re-KYC and fraud in one platform
- Strong roster of European fintech and bank customers
- ISO 27001 and ISAE 3000, with EU data processing
- Veridas merger adds in-house face and voice biometrics
Cons
- No public pricing, and built for enterprise volumes
- Focused on financial services, not other verticals
- Platform integration with Veridas is still in progress
- Most coverage is in Europe
Who is Fourthline best for?
- European banks and neobanks that need KYC, AML and re-KYC from one vendor
- Neobrokers and crypto platforms onboarding across many EU countries
- Teams preparing for the EU AML Regulation in July 2027
- Firms that need a qualified electronic signature alongside onboarding
Use cases
Integrations
Notable customers
Frequently asked questions
What does Fourthline do?
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Fourthline provides identity verification, AML screening and monitoring, re-KYC, fraud detection and qualified electronic signatures for banks and fintechs.
How much does Fourthline cost?
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Pricing is not published. Fourthline quotes based on verification volume and the modules a customer selects.
Who uses Fourthline?
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Clients include Revolut, N26, Trade Republic, Qonto, Rabobank, Bitpanda, Scalable Capital and Raisin.
What happened with Fourthline and Veridas?
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The two companies completed their merger on November 3, 2026, with up to €65M of financing. Fourthline CEO Paul Stoddart runs the combined company from Amsterdam, and Veridas co-founder Eduardo Azanza is president.
Does the merger change existing Fourthline contracts?
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No. The companies say customers keep their contracts, integrations and support, and the platforms will be integrated in phases.
Is Fourthline ready for the EU AML Regulation?
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Fourthline publishes AMLR readiness guidance and offers re-KYC and remediation for firms that need to update customer files before the regulation applies in July 2027.
Sources
Facts and pricing verified on November 6, 2026. Vendors change pricing often, so confirm with Fourthline before buying. How we research
- Fourthline homepage
- Fourthline about us
- The Next Web: Fourthline and Veridas complete merger
- Veridas: merger completion announcement
- Tech.eu: Fourthline and Veridas combine forces
Work at Fourthline or spot something out of date? Suggest a correction. We check every report against a public source and update the page, usually within a few days.
