Automate suitability & appropriateness assessments
Match every product and service to the right client with comprehensive assessments based on knowledge, experience, financial profile, investment objectives, and risk tolerance.
of clients say Muinmos supports their global growth
Completion rate of client journeys - including client classification
Minimal reduction in onboarding time
Reduce mis-Selling risk with
an intelligent S&A agent
Assess each client consistently before advice is given, a trade is enabled, or a product is offered.
Evaluate client fit accurately
Capture and assess the information that matters most, including knowledge and experience, financial circumstances, objectives, and tolerance for risk, so each decision is grounded in a clear client profile.
Apply regulatory rules automatically
Translate complex suitability and appropriateness requirements into automated decision logic that supports consistent, jurisdiction-aware outcomes across products, services, and client types.
Create an audit trail instantly
Document every assessment outcome in a structured, review-ready record that helps compliance teams evidence decisions with confidence.
Reduce mis-Selling risk with
an intelligent S&A agent
Assess each client consistently before advice is given, a trade is enabled, or a product is offered.
Evaluate client fit accurately
Capture and assess the information that matters most, including knowledge and experience, financial circumstances, objectives, and tolerance for risk, so each decision is grounded in a clear client profile.
Apply regulatory rules automatically
Translate complex suitability and appropriateness requirements into automated decision logic that supports consistent, jurisdiction-aware outcomes across products, services, and client types.
Create an audit trail instantly
Document every assessment outcome in a structured, review-ready record that helps compliance teams evidence decisions with confidence.
Classify according to all applicable regulatory frameworks
It is not enough to classify clients according to the regulatory framework applicable to the firm; classification should be done also according to the client country's regulatory framework.
Cross-border regulation
Financial institutions that operate across multiple jurisdictions face a constant challenge: determining how each client must be classified before offering products or services. The Regulatory Classification Agent helps firms automatically determine the correct regulatory treatment for every client, ensuring alignment with the applicable legal frameworks.
Avoid reversal of trade in every jurisdiction
The classification agent is particularly valuable for firms that serve clients internationally or operate across several regulatory regimes. By automating client classification and embedding it directly into onboarding workflows, institutions can reduce the risk of mis-selling, speed up onboarding decisions and maintain a clear audit trail of how regulatory classifications were determined.
“As we continue to expand our FX and crypto offering across regions, the complexity of our financial operations has increased. We compared Muinmos to various other KYC solutions but none of them offered the same fully automated customer classification”.
Head of compliance
Multi-jurisdictional crypto firm
“As we continue to expand our FX and crypto offering across regions, the complexity of our financial operations has increased. We compared Muinmos to various other KYC solutions but none of them offered the same fully automated customer classification”.
Head of compliance
Multi-jurisdictional crypto firm
Unlock Faster and Safer Growth
Increase your client base
and give compliance, onboarding and front-office teams a clearer starting point.
Increase your client base
No need to turn down clients just because your team lacks the legal expertise to onboard certain client types, or in a new jurisdiction. The classification agent will apply the correct regulatory framework, allowing you to onboard more clients, faster.
Improve client experience
Ask only the questions needed to determine status under the relevant framework. Clients get a smoother journey, while your teams collect the information that actually matters.
Adapt to regulatory change
The applied journey logic follows legislative logic, sparing you the need to change workflows and procedures when regulatory rules change.
Category Leader, CLM Solutions for Investment Banking and Wealth Management, 2022, 2023, 2024, 2025, 2026
“Muinmos couples a deep understanding of customer pain points with a passion for overcoming these challenges, while its awards for data and entity management, workflow automation, integrations and policy management reflect its understanding and focus.”
Nick Vitchev
Research Director at Chartis Research
Who benefits the most from
using the classification agent?
Investment firms, investment banks, CASPs, wealth managers, asset managers, family offices & more benefit from the classification agent, which allows them to improve both compliance and CX
Use-case no.1
Investment Firms
Determining your client's category is one of the most important aspects of KYC / KYB. If you haven't determined the client category, you haven't completed KYC / KYB. The classification agent does so automatically, not only protecting you from mis-selling, but also allowing you to onboard more clients - from additional jurisdictions and categories - without blowing-up your compliance budget.
Use-case no. 2
Investment Banks
Investment banks often operate across multiple regulatory regimes while serving institutional clients with complex legal structures. The agent automatically evaluates each client’s status under relevant frameworks and applies the appropriate regulatory treatment, enabling banks to scale onboarding while maintaining strict compliance controls.
Use-case no.3
Wealth / Asset Managers, Family Offices
Providing investment advice and portfolio management services requires categorizing clients and, accordingly, conducting suitability and/or appropriateness assessments. Without conducting these assessments, the firm is at risk of complaints, fines, reversal of trades and more.
Use-case no.4
Crypto-Asset Service Providers (CASPs)
Is your crypto client a "Retail Holder" of a "Qualified Investor"? Can you send them a Direct Offer Financial Promotion (DOFP)? Determining these is imperative to CASPs and for knowing their clients' rights, such as the Right of Withdrawal. The classification agent helps CASPs classify clients according to applicable investor categories and regulatory obligations, enabling compliant onboarding in a rapidly evolving regulatory environment.
Award-winning onboarding solution for investment banks, firms, & asset managers
CLM Category Leader for Investment Banks & Wealth Management, Best KYC solution for Forex, Broker-Dealer Awards & more.
Start onboarding with Muinmos today
Start onboarding with Muinmos today
FAQ
Suitability and appropriateness assessments helps determine whether a product or service is right for a client based on factors such as their knowledge and experience, financial profile, investment objectives, and risk tolerance.