New: Governed workflows with a human gate
Anti-money-laundering

The rules do not require a check: they require ongoing monitoring of the business relationship. BiVelio turns that obligation into controls that run on their own, with evidence dated from the very first file.

Why compliance breaks

Not for lack of will, but because the obligation is a flow and the tools are a snapshot.

Documentation expires on its own

Sanctions lists change, powers of attorney lapse, beneficial ownership shifts. What was correct in January is not in July.

Evidence lives scattered

Email, shared folders and one clerk's memory. When an inspection lands, files from years ago have to be rebuilt by hand.

The rules move faster than the procedure

Every change means revisiting checklists nobody updates until someone remembers.

What BiVelio does

It turns the obligation into a process, and the process into evidence.

Due diligence that maintains itself

Scheduled re-screening of lists, validity dates and beneficial ownership. Not when someone remembers: when it is due.

An evidence book from the first file

What was checked, against which source, who approved it and when. Dated, tamper-evident and exportable as an evidentiary file.

The human limit, written down

Faced with uncertainty the process stops and flags it. BiVelio never states a file is complete when it cannot prove it.

How it works

From obligation to executable control

1

The subject and their chain are identified

People, companies, powers of attorney with validity dates, and beneficial ownership down to the level the rules demand.

2

Lists and risk are checked

Sanctions, politically exposed persons and risk signals, each with its source and the date it was checked.

3

Whatever does not add up is stopped

What is missing or unprovable blocks the file and escalates to whoever has authority to decide.

4

The evidence is kept

Every step is recorded, and the complete file exports whenever it is asked for.

Regulatory clock

What is already in force, and what is coming

Only dates verified against official sources. Last reviewed: 28 July 2026.

  1. 26 April 2026France

    Reinforced AML training, with no grace period

    Décret no. 2026-310 introduces article D.561-38-1-1 of the Code monétaire et financier and requires proof of each employee's training to be retained. Enforceable by the DGCCRF.

  2. 10 July 2027European Union

    The AMLR applies, with harmonised penalties

    Regulation (EU) 2024/1624 becomes directly applicable, with penalties reaching 10% of annual turnover.

  3. 10 July 2027European Union

    The beneficial ownership threshold drops

    From 25% of capital or voting rights to 15%, and to 5% for opaque or high-risk structures. Anyone who built their due diligence at 25% will have to rebuild it.

This timeline is informational and does not constitute legal advice. Each organisation must validate what applies to it given its activity and jurisdiction.

What changes day to day

Four moments where it shows — and they are the four that hurt today.

Before the signing

The file arrives with beneficial ownership evidenced, or it does not arrive.

When a list changes

Affected files flag themselves, without combing the portfolio by hand.

When a power of attorney lapses

The warning arrives before the transaction, not after.

When an inspection lands

The evidentiary file comes out whole, in a standard format, with nothing to reconstruct.

Start by knowing where you stand

A diagnostic of your real operation: which files you hold, what evidence is missing and what can be automated safely.

From €95/month, no lock-in.