AI-Powered Compliance & Credit Decisions for Modern Banking
YottaNest transforms KYC/AML compliance and credit evaluation with intelligent automation. We don't just search for data — our AI agents act, analyze, and deliver decision-ready reports in minutes. Reduce costs by 90% while strengthening regulatory confidence.
About YottaNest
Building the Future of Trust, Automation, and Intelligence in Banking
We Saw a Broken System. We Built the Fix.
Founded in Bulgaria in 2025, YottaNest emerged from a simple observation: compliance teams were drowning in paperwork — not risk. Skilled analysts spent 90% of their time on data gathering and document formatting, leaving just 10% for actual decision-making.
Our answer: AI agents that don't just search — they act. They gather intelligence from EU registries, analyze business viability, draft reports, and deliver what compliance officers actually need: a decision, not a data dump.
Today, we help forward-thinking banks cut compliance costs by 90% while building stronger regulatory confidence.
FOUNDED
2025, Sofia, Bulgaria
MISSION
Automate Compliance, Empower Decisions
MARKET
European Banking & Financial Institutions
IMPACT
90% Cost Reduction per Case
Our Vision
“To empower Risk Teams with Fast Insights, Broad Coverage, and Solid Evidence — transforming raw data into actionable reports that drive smart decisions.”
Our Services
Two Powerful Engines. One Unified Mission.
We replace the “Passive Search” model with an “Active Decision Engine” — AI that analyzes, reasons, and delivers.
NetReport Engine
"The Hunter" — External Intelligence
Automated intelligence gathering that scrapes the "Hard 4" EU registries and open web to validate business viability — not just identity. Our AI agents bypass barriers, analyze data, and auto-draft Risk Memos and Suspicious Activity Reports.
Key Capabilities
- Scrapes EU registries (France, Germany, Italy, Netherlands) + open web
- Validates business viability and economic legitimacy
- Recursively maps Ultimate Beneficial Owners (UBOs)
- Detects hidden sanctions connections
- Auto-drafts Risk Memos and SAR reports
- Provides hyperlinked citations for every claim
The 4-Quadrant Analysis
Network Graph
Map UBO chains
Market Analysis
Validate viability
Adverse Media
AI-filtered news
Risk Score
Go/No-Go decision
Smart Docs
"The Analyst" — Internal Intelligence
Sovereign Intelligent Document Processing for your most sensitive data. Upload contracts, invoices, balance sheets, and identity documents — then interact intelligently with your data. Hosted entirely within your infrastructure using open-source models.
Key Capabilities
- Processes invoices, contracts, balance sheets, IDs
- Handles multiple formats and languages
- "Chat with your data" natural language interface
- Extracts and structures information automatically
- 100% on-premise deployment option
- Zero data leaves your infrastructure
Full Data Sovereignty
No client data ever leaves your bank's infrastructure. Solving the GDPR/US Cloud Act fears that block US competitors.
How It Works
From Data Chaos to Decision Ready in Three Steps
Gather Intelligence
Our AI agents collect data from across Europe — government registries, corporate databases, open web sources, and your internal documents. No manual searching. No copy-pasting. No barriers.
- EU Corporate Registries (FR, DE, IT, NL)
- Government & Official Databases
- Open Web Intelligence
- Internal Documents (PDFs, Contracts)
Analyze & Reason
Intelligent analysis that goes beyond simple matching. Our engines map ownership structures, validate business viability, apply regulatory rules, and detect hidden risks — all automatically.
- UBO Mapping & Sanctions Screening
- Business Viability Validation
- Adverse Media Filtering
- Risk Pattern Detection
Draft & Deliver
No more starting from scratch. Receive auto-generated Risk Memos, SAR drafts, and Due Diligence reports — complete with citations and audit trails. Human analysts review and approve. Done.
- Risk Memos (Internal)
- SAR Drafts (Regulatory)
- Due Diligence Reports
- Credit Evaluations
“The AI doesn't decide — it recommends. We use a Human-in-the-Loop model. The analyst still clicks the final button. We just get them there 90% faster.”
Why Choose YottaNest?
See how we compare to traditional compliance workflows
10x Faster Processing
What took hours now takes minutes with AI-powered automation
Audit-Ready Reports
Every claim hyperlinked to sources for regulatory confidence
Full Data Sovereignty
On-premise deployment solves GDPR and Cloud Act concerns
Human-in-the-Loop
AI recommends, humans decide — maintaining full control
Measurable ResultsThat Transform
Our AI-powered platform delivers quantifiable impact for forward-thinking financial institutions across Europe.
Cost Reduction
Per SME Onboarding
Time Saved
Reduction in Processing
Analyst Focus
Time on Actual Decisions
EU Registries
Pre-built Connectors
Trusted by forward-thinking financial institutions across Europe
Our Team
The Minds Behind the Mission
A diverse team of compliance experts, AI engineers, and banking veterans — united by a shared vision to transform European financial services.
Alexander Petrov
CEO & Co-Founder
Former Head of Digital Compliance at a leading European bank. 15+ years transforming financial operations. Alexander saw firsthand how manual compliance processes were breaking teams — and founded YottaNest to fix it.
ConnectDr. Maria Ivanova
CTO & Co-Founder
PhD in Machine Learning from ETH Zurich. Previously led AI research at a Fortune 500 fintech. Maria architects the intelligent systems that power YottaNest's agentic compliance engines.
ConnectStefan Dimitrov
Head of Product
10+ years in RegTech product development. Former Product Director at a top European compliance platform. Stefan ensures YottaNest delivers exactly what compliance teams need — nothing more, nothing less.
ConnectElena Georgieva
Head of Compliance & Regulatory Affairs
Certified AML Specialist with 12+ years at Tier 1 European banks. Elena bridges the gap between technology and regulation, ensuring YottaNest meets the highest compliance standards.
ConnectWant to join our mission?
We're always looking for talented people.
Frequently Asked Questions
Everything you need to know about YottaNest
YottaNest offers 100% on-premise deployment options, meaning your sensitive data never leaves your infrastructure. Our Smart Docs engine uses open-source models hosted entirely within your environment. This solves the GDPR and US Cloud Act concerns that often block adoption of US-based compliance tools.
Our NetReport Engine connects to the "Hard 4" EU corporate registries: France (Infogreffe), Germany (Handelsregister), Italy (Camera di Commercio), and the Netherlands (KvK). We also integrate with additional government databases and open web sources to provide comprehensive intelligence.
No. YottaNest operates on a Human-in-the-Loop model. Our AI agents gather data, analyze patterns, and draft reports with recommendations — but the final decision always rests with your compliance officers. We accelerate the process; you maintain control.
Implementation typically takes 2-4 weeks depending on your infrastructure and integration requirements. Our team provides full onboarding support, including API integration, staff training, and custom workflow configuration.
Smart Docs processes a wide range of document types including PDFs, Word documents, scanned images (with OCR), contracts, invoices, balance sheets, and identity documents. It handles multiple languages and can extract structured data from unstructured documents.
YottaNest supports continuous monitoring requirements. Once an entity is onboarded, our system can automatically track changes in registries, adverse media mentions, and sanctions lists — alerting your team to relevant updates that may affect risk assessments.
We offer flexible pricing based on your institution's volume and needs. Typically, our clients see costs reduced from ~€300 to ~€30 per SME onboarding case. Contact us for a custom quote and ROI assessment tailored to your specific use case.
Yes. YottaNest provides robust APIs for integration with your existing case management, CRM, and core banking systems. We support standard data formats and can work with your IT team to ensure seamless workflow integration.
Still have questions?
Get in TouchLet's Talk
Ready to Transform Your Compliance Operations?
Request a Demo
See how YottaNest can reduce your compliance costs by 90% while strengthening regulatory confidence. Our team will walk you through a personalized demonstration tailored to your institution's needs.
What to Expect
- 30-minute personalized demo
- See both NetReport Engine and Smart Docs in action
- Discuss your specific compliance challenges
- Get a custom ROI assessment
- No commitment required