Spektr
Spektr, legally spektr ApS, is a Copenhagen compliance infrastructure company founded in 2022 by Mikkel Skarnager as chief executive with Ciprian Florescu as chief technology officer, Jan Erik Wagner as chief revenue officer and Jeremy Joly as chief product officer, a founding team with a prior exit in identity verification. Its argument is that a decade of compliance technology addressed workflow and data collection while leaving the analytical work itself to human analysts, so it sells agents that do that work: researching a company, interpreting what is found, verifying that a business actually operates, mapping ownership, and writing a structured risk rationale.
Nine named agents cover business verification, industry classification, network discovery, address checking, license checking, document review, source of funds, false positive reduction and website checking, and an agent builder lets a customer define new ones. Around the agents sit configurable processes for business and individual onboarding, customer and transaction monitoring, case operations, risk scoring, remediation, enrichment, questionnaires and event orchestration, with a public API, and agent workflows pause at designated decision points for a person to choose the next action.
Named customers include Santander Leasing, Nexi, Pleo, Mercuryo, Monta, Kompasbank, Athlos and Fyorin, and it has offices in London and New York. It holds ISO/IEC 27001:2022, ISO/IEC 27701:2019 and ISO/IEC 42001:2023 certifications and a SOC 2 Type II attestation, states that data is hosted within the European Union, and lists three contract tiers with published prices on AWS Marketplace.
Capability Axes
Capability grades
15 of 15 axes rated · 10 graded A or B
Nine named agents research a company, verify that it operates, classify its industry and assess source of funds, and an agent builder lets customers define more. Without the models, only the configurable process layer remains, the very state of the market Spektr was founded to move past.
A builder prompt sets the goal, research gathers information, customer defined routing branches the workflow, and at designated points the agent pauses for a user to choose among up to five configured actions, recorded as the human decision. Agents can be shipped, watched in production and rolled back immediately, though the pause points are set by the customer rather than a published default.
Agent performance is tracked by a monitoring layer and research results are published to the customer profile, but no accuracy figure, false positive rate or validation pack is published.
Case studies name Nexi, Pleo and Santander Leasing, and the head of compliance at Fyorin is quoted by name and title, but no measured outcome is attached to any of them. Funding round coverage in 2026 offers only generic claims about hours becoming minutes.
Customers are promised full control over their data and how AI operates on it, yet whether documents, analyst decisions or agent outputs train models served to others is not stated. A shared agent library and an optimization loop that refines agent logic make that question live.
Privacy certification under ISO/IEC 27701:2019 followed a Stage 2 audit by Mastermind Assurance in June 2026, and the trust page states GDPR Article 28 compliance with data processing agreements across subprocessors. The privacy policy covers website visitors and business contacts only, and no subprocessor list or retention schedule appears.
ISO/IEC 27001:2022 and a SOC 2 Type II attestation are named on the trust page, under an integrated management system with annual re audit. Certificate numbers, the SOC 2 auditor and downloadable reports do not appear there.
Voluntary international standards audited by private bodies make up its credentials, which is assurance rather than regulatory standing. As a software supplier it states no license, registration or supervised sandbox.
Its AI management system holds ISO/IEC 42001:2023 certification, from data governance to accountability. Classifying industries and judging source of funds will read some sectors and countries less reliably than others, yet no evaluation across jurisdictions or business structures is published.
Recorded human decisions at each pause point give an institution a trail, but Spektr publishes no commitment behind an agent's output. Wrongly classified companies, or those judged inactive, may be declined without learning an agent produced the finding.
Agents run on unnamed models: neither the help center nor the trust page names a provider, family or version. Nor is it stated which providers receive customer documents and corporate records or what they retain.
Developer documentation for a public API, an integrations page, release notes and event orchestration that lets outcomes in one system trigger checks in another are all published. Which customer systems connect natively, and which data providers sit behind the agents, is not identified.
Data is handled and hosted within the European Union, per the AWS Marketplace listing and the homepage. Cloud provider, region and any single tenant option are not named, nor where model inference runs.
An AWS Marketplace listing from spektr ApS publishes three 36 month tiers: Professional at $750,000, Enterprise at $4,500,000 and Premier at $10,500,000. What volume or agents each tier includes is not stated, and the company's own site carries no pricing.
Buyer types range from a global bank's leasing arm and a Danish small business bank to payments infrastructure and an electric vehicle charging platform buying onboarding compliance. Material is organized by product rather than institution type, so fit is judged from customer stories.
Product updates
Material product, regulatory, evidence and commercial changes at Spektr, each verified against a live source and tagged to the capability axis it bears on. Funding rounds and awards are not product changes and are not logged.
When a spektr transaction monitoring rule fires, the case now stores the measured value behind each condition, shown with its threshold and a Met or Not met badge. The AI case summary quotes the same stored numbers, so it cannot cite a figure the rule did not fire on. Rule conditions also now accept arithmetic and named formulas.
Spektr released version 3.0, adding real time transaction monitoring, a Policy Engine that translates written compliance policies into executable rules, and Case AI, which uses agents to gather evidence and recommend investigation outcomes with citations and confidence levels, on top of its existing KYC and KYB system.
Compared With
Most editorial comparisons pair two vendors the index assesses as direct competitors for the same buyer. Some pair vendors that are adjacent rather than rival, where the useful question is where one ends and the other begins. Each carries a verdict, the buyer conditions that favor each vendor, and a graded side by side.
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The index publishes no overall score or ranking. See what we assess and the methodology.
Pricing
Vendor-published figures are labeled as such. Figures labeled “Estimated” are derived from third-party sources and have not been confirmed by the vendor.
| Entry Price | Pricing Basis | Data Protection Terms | Implementation | Source |
|---|---|---|---|---|
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$750,000 for a 36 month contract (Professional), listed on AWS Marketplace.
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Three contract tiers on 36 month terms listed on AWS Marketplace: Professional at $750,000, Enterprise at $4,500,000 and Premier at $10,500,000. The listing does not state the volume, entities, agents or users each tier includes, and the vendor's own site publishes no pricing. | Not tiered on the pricing listing. The listing states that all data is hosted within the European Union. | No implementation fee is published. | Vendor Published |
Tiers and contract prices taken from the vendor's own AWS Marketplace listing, sold by spektr ApS, as of 2 October 2026. What usage each tier covers, and whether private offers differ from the listed prices, is not stated.