Crowdfunding Platforms & Credit Intermediaries
Precision Intelligence for Alternative Finance
Diliguard provides AML compliance intelligence for crowdfunding platforms, mortgage credit intermediaries, and consumer credit providers. The engine verifies the identity and corporate structure behind every borrower or campaign before capital changes hands.
The Compliance Mandate
Under Regulation (EU) 2024/1624 (the AMLR), crowdfunding platforms, mortgage credit intermediaries, and consumer credit providers are newly designated obliged entities, extending obligations that previously applied mainly to banks. These platforms must perform customer due diligence on both individual and corporate borrowers, identify beneficial owners of corporate campaign sponsors at the 25% threshold, screen for sanctions and political exposure, monitor funding flows on an ongoing basis, and file suspicious activity reports. Alternative finance platforms process high volumes of smaller transactions at speed, which makes manual verification of every borrower’s corporate structure operationally unworkable without automation.
Diliguard’s Application for Crowdfunding & Credit Intermediaries
1. Borrower and Sponsor Screening
Diliguard’s AML Compliance & PEP Screening engine screens every individual borrower and corporate campaign sponsor against global sanctions lists and politically exposed persons registers before a campaign or loan goes live.
2. Corporate Borrower UBO Resolution
When a campaign or loan application comes from a corporate entity, Diliguard’s Corporate KYB & Global Registry Checks engine extracts exact shareholder percentages to identify the beneficial owner behind the borrowing entity, closing the route shell companies use to raise capital anonymously.
3. Funding Pattern Risk Scoring
Diliguard’s Transaction Risk Scoring evaluates funding inflows and repayment patterns across a platform’s loan or investment book, flagging structuring behavior such as coordinated small contributions designed to stay under individual reporting thresholds.
4. Investor and Guarantor Deep Trace
For high-value loans or campaigns requiring a guarantor, Diliguard’s Executive Person Trace scans court records and adverse media to confirm the guarantor’s financial history supports the obligation being guaranteed.
A Day in the Life: The Platform Compliance Manager
Scenario: A corporate borrower launches a real estate crowdfunding campaign seeking capital from hundreds of retail investors.
- Sponsor Screening: The compliance manager runs the sponsoring entity through Diliguard before the campaign is approved to go live.
- Structure Resolution: Corporate KYB reveals the sponsor is a special purpose vehicle controlled by a holding company two layers up.
- Beneficial Owner Check: Diliguard resolves the individual behind the holding company and screens the name against sanctions and PEP registers, returning a clean result.
- Approved Launch: The manager approves the campaign with a documented UBO and screening trail attached to the platform’s compliance file.