Transform Compliance Into
Clarity
The UK’s first explainable AI platform that automates mortgage source-of-funds verification—delivering FCA-ready narratives in minutes, not days.
90%
Time Saved
FCA
Compliant
24/7
Automated
Why ProofPath?
Explainable AI Engine
Interprets every transaction with transparent reasoning and confidence scores
Seamless Open Banking Integration
Instantly connects to all major UK banks, securely pulling verified transaction data for rapid, automated client onboarding.
Automated Narratives
Generates FCA-ready compliance reports instantly
Risk Intelligence
Assigns AML risk tiers automatically based on policy logic
From Data to Decision in 30 Minutes
Secure Connection
Open Banking integration pulls transaction history securely and compliantly
AI Classification
Funds-Narrative Engine classifies every deposit source automatically
Transparent Reasoning
SOF-X layer explains each decision with confidence scores
Audit-Ready Output
Generate complete Proof Narrative document for FCA submission
Built for the Mortgage Ecosystem
Explainability Layer That Regulators Trust
Every classification comes with transparent reasoning and confidence scores—transforming ‘black box’ AI into audit-ready intelligence that meets FCA standards.
- Human-readable explanations
- FCA-aligned logic
- Confidence scoring
Collaboration Portal for All Stakeholders
Brokers, lenders, conveyancers and compliance teams work from one shared audit trail—eliminating scattered emails and duplicate document requests.
- Multi-party access
- Real-time updates
- Role-based permissions
90% Faster Than Manual Verification
Cut case handling time from 3-5 days to under 30 minutes. Free your underwriters to focus on exceptions while ProofPath handles routine tracing automatically.
- Instant classification
- One-click exports
- Continuous validation
Founded by Compliance Experts
ProofPath was born from first-hand experience with the inefficiencies of manual source-of-funds verification. Founded by Mendonce Robert, who spent over 7 years in AML and KYC roles at HSBC and Barclays UK, our team understands the operational bottlenecks, audit pressures, and regulatory complexity that define today’s mortgage compliance landscape. We built ProofPath to bridge the gap between regulatory obligation and operational reality—delivering an explainable AI platform that lenders and brokers can trust. Headquartered in Liverpool, UK, we’re committed to transforming compliance from a friction point into a competitive advantage for the entire mortgage ecosystem.
Liverpool, UK
FCA Sandbox Ready
Backed by Industry Experts
Join the Waitlist
Be among the first to experience explainable compliance. Early partners get priority pilot access and dedicated onboarding support.