Regulatory compliance,powered by AI.
Kalipso monitors regulatory changes across European jurisdictions, identifies what applies to your organisation, finds gaps in your documentation, and generates ready-to-implement fixes — in a single workspace your whole compliance team can work from.
Trusted by compliance teams — from scaling fintechs to large financial institutions. Designed for enterprise from the ground up, by professionals with direct experience in both.
DORAMiCARPSD2AI ActGDPRMiFID IIAMLD6
Ley Crea y Crece
Loi Sapin II
BaFin MaRisk
CSSF Circular
Banca d'ItaliaDORAMiCARPSD2AI ActGDPRMiFID IIAMLD6Ley Crea y CreceLoi Sapin IIBaFin MaRiskCSSF CircularBanca d'ItaliaHow It Works
From regulation to fully compliant organisation
Kalipso's AI automates the full regulatory workflow — policies, controls, and procedures — while keeping your entire compliance team aligned and collaborating in one place.
Map applicable regulations
Kalipso's AI determines which laws, directives, and regulatory guidance apply to your organisation — continuously and automatically across every jurisdiction you operate in.
Translate into obligations
Our AI synthesises multiple laws into clear, actionable requirements — specifying exactly what compliance entails for your teams, processes, and documentation.
Identify gaps
Kalipso scans your policies, procedures, and internal controls for inconsistencies, missing clauses, and non-compliant language against current requirements.
Generate recommendations
The AI produces remediation steps and ready-to-implement language — for policies, controls, and operational procedures — with full source traceability.
Regulatory Radar
Continuous regulatory monitoring
Kalipso monitors regulatory sources across Europe and beyond, turning thousands of daily updates into prioritised, actionable intelligence — with impact analysis, severity classification, and a structured workflow from detection to remediation.
69
Sources
36
Jurisdictions
3,000+
Daily updates
Ordonnance n° 2024-937 du 15 octobre 2024 — renforcement des obligations LCB-FT en matière de transfert de crypto-actifs
Commission Delegated Regulation (EU) 2025/1264 supplementing MiCAR — RTS on liquidity management
D.Lgs. 10 marzo 2025, n. 23 — Adeguamento della normativa nazionale al Regolamento (UE) 2022/2554 (DORA)
Circular 2/2025 de la CNMV — normas relativas a los proveedores de servicios de criptoactivos bajo MiCAR
AML/CFT Internal Policy — UBO Identification
3.4 Identification of Beneficial Owners — Fiducies
Where the customer acts within the framework of a fiducie within the meaning of Art. 2011 of the Civil Code, or any comparable foreign trust-like arrangement, the beneficial owner shall be identified by role in accordance with Art. R.561-3-0 CMF: the constituant(s), fiduciaire(s), bénéficiaire(s), and any tiers protecteur. Art. R.561-3-0 contains no senior management fallback provision.
Where no beneficial owner of a fiducie can be identified under the above criteria, the natural person(s) holding the position of senior managing official(s) of the fiduciaire shall be recorded as the beneficial owner by default, in accordance with the fallback procedure under Art. R.561-1 CMF.
Where no beneficial owner of a fiducie can be identified under Art. R.561-3-0 CMF, the firm shall not enter into a business relationship or shall terminate the existing relationship in accordance with Art. L.561-8 CMF. The senior management fallback is defined under Art. R.561-1 CMF and applies only to corporate entities (sociétés). Art. R.561-3-0 CMF does not permit any fallback to senior managing officials for fiducies.
Art. R.561-1 CMF (senior management fallback) applies exclusively to sociétés. Art. R.561-3-0 CMF governs fiducies and contains no fallback — failure to identify the UBO must strictly result in refusal of the business relationship under Art. L.561-8 CMF.
In all cases, the firm shall additionally identify any natural person who directly or indirectly holds more than 25% of the assets, rights, or securities included in the patrimoine fiduciaire, per Art. R.561-3-0 CMF.
Gap Analysis
Identify and close compliance gaps
Kalipso scans your existing policies and procedures against current regulatory requirements, identifies non-compliant clauses, and generates ready-to-implement fixes with full source traceability.
Gap analysis across multiple regulatory frameworks
Auto-generated remediation language
Full traceability to source articles
AI Assistant
Compliance research in seconds
Ask any compliance question and get instant, detailed answers drawn directly from verified regulatory data. Every response is grounded in official government sources — when the answer is not available, Kalipso tells you.
Deep regulatory research
Instant answers from our processed regulatory database across all covered jurisdictions.
Draft-ready output
Generate policy language, compliance summaries, and internal memos grounded in regulatory text.
Connected to your workspace
Contextual answers based on your specific policies, product mappings, and regulatory framework.
What AML obligations apply to payment institutions operating in Italy?
Payment institutions operating in Italy must comply with the following AML/CFT obligations under D.Lgs. 231/2007:
- 1.Customer due diligence (adeguata verifica) — Arts. 17-25
- 2.Suspicious transaction reporting to UIF — Art. 35
- 3.Record keeping for at least 10 years — Art. 31
- 4.Internal organisation and controls — Art. 15
Verify customer identity for wire transfers above €15,000.
Perform customer due diligence for all business relationships, general occasional transactions ≥ €15,000, occasional wire transfers ≥ €1,000, and transactions of any amount conducted through agent networks (or cash withdrawals > €250/day) — Art. 17 D.Lgs. 231/2007.
Trust & Security
Built on integrity and transparency
Rigorous standards for accuracy, transparency, and data protection — leveraging proprietary datasets from authoritative sources.
ISO 27001 certified
Independently audited to meet the highest international standards for information security management.
View trust center →European sovereign cloud
All client data is stored and processed on European sovereign cloud infrastructure, ensuring full data residency within the EU.
Verified data sources
Our proprietary dataset is sourced directly from official government publications. All information is traceable to authoritative sources.
Data integrity
Client data is never used for AI model training. Information is processed solely to deliver the service and is never shared or sold.
Integrates with
Google Docs
Google Drive
Notion
OneDrive
SharePoint+ API, MCP & custom integrationsTeam
Built by compliance professionals, backed by industry leaders
As former compliance professionals, we are building the solution we needed when managing regulatory complexity firsthand — supported by experienced leaders in financial services and technology.
Pierre Ferran
Co-Founder & CEO
LL.B, Maastricht · LL.M. Stanford
Ex-Klarna legal expert and software engineer. Deep expertise in financial services and digital compliance across European markets.
LinkedIn →
Virginia Debernardi
Co-Founder & COO
LL.B, LL.M. Maastricht
Ex General Counsel with 7+ years in compliance, negotiations, and scaling operations in multi-jurisdictional environments.
LinkedIn →
Didier Valet
Board Member & Investor
Former Deputy CEO, Société Générale · Co-Founder, Varsity
Nearly two decades as a senior executive at Société Générale. 70+ investments as a business angel including French unicorns Pennylane and Qonto. Co-founded Varsity, an €80M+ pan-European seed fund.
LinkedIn →Backed by
See Kalipso in action
Schedule a 30-minute walkthrough tailored to your regulatory requirements and compliance priorities.
Modular pricing tailored to your team size and regulatory scope. Typical deployment within two weeks.
or contact us directly at [email protected]