Estate agency onboarding should be simple: list property, verify identity, tick the compliance boxes, and move on with life. Unfortunately, AML compliance often turns that neat process into a bureaucratic obstacle course.

Kotini set out to change that. By automating onboarding for estate agents, they make property transactions faster, smoother, and far less painful. But to do that properly, they needed an AML solution that was powerful, scalable, and crucially- not designed to bankrupt a startup before breakfast.

AML compliance is a critical part of estate agency onboarding. Every buyer and seller needs to be verified, which means ID checks, biometric verification, and compliance processes that satisfy regulators.

For Kotini, the challenge had three parts:

1) Startup economics

As a growing business, Kotini had relatively low volumes initially. Unfortunately, many AML providers require large minimum spend commitments - meaning startups often pay for thousands of checks they never use.

2) User experience expectations

Kotini’s platform focuses on delivering seamless onboarding for estate agents and their clients. A clunky ‘tick-box’ compliance tool simply wouldn’t cut it.

3) Speed to market

Kotini needed to integrate a biometric AML solution quickly so they could launch and begin delivering value to their estate agent customers.

In short: they needed enterprise-grade compliance technology with startup-friendly flexibility. Not exactly a common combination.

Kotini chose APLYiD for four key reasons:

1) Product quality

APLYiD’s biometric AML checks delivered strong pass rates and a seamless user experience. This meant estate agents and their clients could complete identity checks quickly - saving time and removing unnecessary friction from the onboarding process.

2) Startup-friendly commercial model

Unlike many AML providers, APLYiD offered a flexible pricing structure that allowed Kotini to scale without committing to large upfront volumes. No wasted spend. No unused checks gathering dust.

3) Fast integration and go-live

Kotini integrated APLYiD’s biometric AML solution and went live in just one week.

For a startup building momentum, that kind of speed matters.


4) Sales support and customer success

APLYiD didn’t just provide the technology - we helped Kotini sell it too. From joining customer calls to offering guidance on positioning the product, APLYiD worked alongside Kotini to help estate agents understand the value of automated AML compliance.

Nearly two years into the partnership, Kotini’s platform continues to grow rapidly as more estate agents adopt automated onboarding.

APLYiD’s consistently high conversion and pass rates (>90%) mean compliance checks are completed quickly and successfully, reducing friction for agents and their clients.

The result?

• Less time spent chasing documents
• Faster onboarding for property transactions
• A smoother experience for buyers, sellers, and agents

As Kotini continues to scale, they are expanding their integration with APLYiD by adding the Property Ownership API.

This will allow them to enhance their platform further - bringing even more automation and verification capabilities into the estate agent workflow.

Because when compliance works properly, it shouldn’t slow business down.