spektr vs Dotfile

Go beyond KYB with one system for onboarding, EDD, ongoing monitoring and transaction monitoring.
Book a demoSee the platform

The Dotfile way

Dotfile focuses on business verification and KYB, with data orchestration, ownership discovery, risk assessment, case management, ongoing monitoring and AI-assisted reviews. It is particularly relevant when KYB automation and provider connectivity are central requirements.

The spektr way

spektr is one shared system where Compliance, Operations and Product build and run onboarding, KYB/KYC, ownership, screening, EDD and monitoring themselves. AI agents prepare the evidence, analysts make the calls that need judgement, and every market runs on the eIDs and registries it needs.

spektr vs Dotfile: How they compare

Dotfile
Core positioning
One system for regulated progress: Product, Operations and Compliance work from the same processes, data and decisions across onboarding, KYB/KYC, screening, EDD and monitoring
Business verification (KYB) platform with data orchestration, a risk engine, case management and AI agents.
AI capabilities
Pre-built agents for KYB, website, licence, address, industry, document review and UBO discovery, plus an agent builder for your own checks. Every result shows its sources, reasoning and confidence, and uncertain results go to an analyst
Dotfile Autonomy: AML, document, UBO and reputation agents, AI Policies in plain language, and Skills and Routines.
Lifecycle coverage
The full customer lifecycle: onboarding, KYB/KYC, screening, EDD, periodic reviews, ongoing and related-entity monitoring, event-driven re-KYC, real-time, retrospective and scheduled transaction monitoring, and customer outreach for documents and clarifications
Business and customer onboarding, perpetual monitoring, remediation and onboarding fraud detection.
Ease of use
A no-code process builder that compliance and operations teams use to build and change processes themselves, without engineering tickets
White-label portal and Integration Studio with 1,000+ no-code connectors.
Implementation
Self-configured: start with one process, go live and expand at your own pace, or run spektr headless via API inside your existing flows
Self-configured.
Configurable risk model
Risk matrices, risk classes and scores set by your policy, with role-based permissions and risk overrides by API
Risk engine with drafts and versioning.
Data provider flexibility
Provider-neutral: native Nordic and European eIDs (MitID, BankID, FrejaID, itsme) and registries (Virk/CVR, Bolagsverket, BODACC, Companyweb), plus global KYB, credit, IDV and screening partners, chosen per market and flow
60+ providers across company data, AML, identity and fraud, with bring-your-own contracts.
Security
Data hosted in the EU; ISO 27001, ISO 27701 (privacy), ISO 42001 (AI governance) and SOC 2 Type II; audit logging, SSO, role permissions per environment
SOC 2, GDPR, EU servers, SSO, custom roles and audit log.
Last verified:
October 27, 2026

Where spektr takes a different route

For Product: launch new markets and flows sooner

A new market, product or customer flow needs the right checks from day one. spektr already connects the eIDs, registries and data providers you'll need, and runs headless via API inside the journeys you've built. Compliance configures the checks in the same system, so a launch doesn't wait on an integration project or a development sprint.

For Operations: keep pace as volume grows

AI agents do the groundwork on every case: registry pulls, ownership, website and licence checks, and screening hits. Confident results move straight through; uncertain ones reach an analyst with the evidence attached. Outreach loops collect missing documents from customers, so the team spends its time on decisions, not chasing.

For Compliance: stay confident in every decision

Compliance stays in control. AI extracts rules from your policies for human approval, and those approved rules govern workflows, agents and decisions. Teams can update processes without development tickets, while every check, decision and approval is recorded with supporting evidence, ready for review.

spektr vs Dotfile: Feature comparison

Feature
Dotfile
End-to-end compliance workflows
A unified, configurable process spanning onboarding, KYB/KYC, screening, EDD, ongoing monitoring and reviews, with evidence and decisions linked to each customer record.
KYB-led onboarding, perpetual monitoring, remediation and case management.
AI agents for case work
AI agents support screening-hit reviews, alert triage and periodic reviews, preparing findings with supporting evidence, confidence information and human escalation.
AML, document, UBO and reputation agents; the AML AI Assistant recommends true or false positive.
AI agent builder
Custom AI agents tailored to compliance processes, with configurable prompts, tools, conditions and human-review steps.
Custom agents described in natural language, plus Skills and Routines.
Policy engine
AI-assisted policy rule extraction with compliance approval, ensuring workflows, agents and decisions follow approved policies.
AI Policies written in plain language; AI Reviews approve or reject checks with reasoning.
No-code onboarding flows
A no-code process builder enables compliance and operations teams to build and adapt onboarding workflows without developer involvement.
White-label portal and no-code Integration Studio.
Transaction monitoring
Real-time, retrospective and scheduled transaction monitoring, with configurable rules and alerts linked to their triggering conditions.
Focuses on KYB, screening and ongoing counterparty monitoring; native transaction-level AML detection is not established in the reviewed product materials.
Bring your own provider
Existing data-provider contracts can be retained, with supported identity, company-data and screening services integrated into spektr workflows.
Bring-your-own provider contracts across 60+ providers.
Human-in-the-loop controls
Configurable review and approval steps keep analysts involved in exceptions and decisions requiring judgement, with evidence and outcomes recorded for oversight.
Data changes from Autonomy Chat need approval; the AML assistant is recommendation-only.
Last verified:
October 27, 2026

Running both

You can run spektr alongside Dotfile. Dotfile keeps the KYB onboarding and business verification it already runs, and spektr takes on the compliance work that needs your policy's evidence, enhanced due diligence, ongoing monitoring and case decisions. spektr works headless via API and webhooks inside your existing flows, accepts outcomes from other systems and hands results back with full context, so both serve the same customer journey.

What customers say

“Operating in an environment where frictionless onboarding is a standard expectation means our compliance setup has to be both consistent, dynamic and locally tuned. We need an infrastructure that can automate the routine work without losing the configurability each jurisdiction demands, whilst meeting increasingly complex regulatory demands.”
Mark Nelson
Head of Financial Crime Controls, Nets Denmark A/S

FAQ

Is spektr a Dotfile alternative?

Yes. spektr is an alternative to Dotfile for teams seeking configurable compliance operations across onboarding, KYB/KYC, screening, EDD and ongoing monitoring. The right choice depends on your verification, provider and workflow requirements.

Who configures workflows in spektr?

Your compliance, operations and product teams, in a no-code process builder. Rules, reviews and agent steps change without an engineering ticket or a vendor request.

Where is spektr's data hosted?

In the EU.

Does spektr support Nordic eIDs?

Yes. MitID, BankID, FrejaID and itsme are built into onboarding, alongside direct connections to Bolagsverket, Virk and CPR.

Book a Demo

One shared system for the whole compliance lifecycle. See how spektr compares with Dotfile.
spektr AI agent workflow builder

You may be interested in

If you think any of this information is no longer accurate, please let us know here.