BeVerified Verdict
BeVerified Verdict
87
100
0
1
Fourthline — EU Regulated Compliance Platform (2025) BeVerified Verdict Fourthline (formerly Safened) is a European heavyweight in the KYC/AML space, distinguished by being a licensed Payment Institution (supervised by the Dutch Central Bank). This means they understand compliance because they are regulated like a bank, not just a software vendor. Their technology is entirely proprietary (no white-labeling third-party OCR), ensuring high data control. They are the "Gold Standard" for European fintechs (e.g., N26, Trade Republic) but are likely overkill—and too opaque on pricing—for small, non-regulated businesses or those primarily targeting the US market.
Fourthline — EU Regulated Compliance Platform (2025) BeVerified Verdict Fourthline (formerly Safened) is a European heavyweight in the KYC/AML space, distinguished by being a licensed Payment Institution (supervised by the Dutch Central Bank). This means they understand compliance because they are regulated like a bank, not just a software vendor. Their technology is entirely proprietary (no white-labeling third-party OCR), ensuring high data control. They are the "Gold Standard" for European fintechs (e.g., N26, Trade Republic) but are likely overkill—and too opaque on pricing—for small, non-regulated businesses or those primarily targeting the US market.
87/100
Total Score
- Regulatory Assurance98/100 The bestBest in class. We verified they hold a Payment Institution license from DNB and are eIDAS compliant for Qualified Electronic Signatures (QES). This creates a level of trust most SaaS vendors cannot match.
- Platform Transparency68/100 GoodThey maintain an excellent, publicly visible status page with historical uptime. However, pricing is completely hidden ("Request a Quote"), and granular API documentation is often gated behind sales/partnerships.
- Verification Capabilities90/100 AmazingThey use proprietary in-house AI for ID scanning, liveness, and NFC checks, avoiding third-party sub-processors for core verification. Their "Digital Proof of Address" (using geolocation) is a standout feature over traditional utility bill scanning.
Good for
- European Fintechs & Neobanks — Tailor-made for strict EU regulations (BaFin, ACPR, DNB) and local market nuances.
- High-Assurance Onboarding — Native support for Qualified Electronic Signatures (QES) allows for fully digital account opening where wet ink was traditionally required.
- Data Sovereignty — Since they own the full tech stack (OCR, AI, Decisioning), your data isn't being passed around to hidden third-party vendors.
Think twice
- Global/US-First Operations — Their strength is undeniably Europe; coverage and address verification features are less optimized for North American or APAC specificities compared to US-based competitors.
- Low-Volume Startups — No self-service tier. You cannot just sign up with a credit card and start verifying users; this is an enterprise sales motion.
- Documentation Access — While high-quality, full API references often require an NDA or partner access (like via Rabobank Identity Services) rather than being fully open to the public web.
