Sikoia
“Can a single verification API replace the fragmented stack of open banking, document, identity, and affordability checks that regulated UK lenders currently stitch together manually?”
Sikoia was founded as a London-based verification and decisioning platform targeting UK regulated businesses in lending, mortgages, motor finance, and tenant referencing. The company built an all-in-one verification marketplace that aggregates open banking, document processing, identity verification, and affordability insights through a single API, positioning itself as an orchestration layer rather than a point-solution provider. Its embedded finance angle is as infrastructure — Sikoia's customers embed Sikoia's verification capabilities into their own onboarding flows rather than building direct data-provider integrations themselves.