Frequently Asked Questions
General
What is VINCTA?
VINCTA is a compliance orchestration platform for European neobanks. We unify alerts from your existing AML/KYC vendors into a single case management interface.
Does VINCTA replace my existing compliance vendors?
No. VINCTA operates as an orchestration layer above your existing vendor stack. No vendor switching costs, no new integrations to core systems, no regulatory re-approval.
What makes VINCTA different?
- Deterministic rules, not AI black boxes. Transparent, auditable logic.
- Vendor-agnostic orchestration. Works with your existing tools.
- Built for European regulations. Native AMLD6, German GwG, and DORA support.
Integration
Which vendors does VINCTA support?
- Transaction Monitoring: Unit21, HAWK AI
- KYC/Onboarding: Alloy
- Screening: ComplyAdvantage
How long does integration take?
2-4 weeks: webhook configuration (week 1), identity resolution mapping (week 2), rules customization (week 3), UAT and go-live (week 4).
Compliance & Security
How does VINCTA handle data residency?
EU-hosted infrastructure meets GDPR and BaFin requirements. Customer data never leaves European jurisdiction.
Is VINCTA compliant with AMLD6?
Yes. Data model and rules engine designed around AMLD6 requirements.
What happens when vendors disagree on risk?
Conservative Principle rule (GwG §10) automatically applies the highest risk classification.
Features
What is the Rules Engine?
Core compliance logic evaluating alerts against configurable rules based on AMLD6, GwG, DORA.
Can I customize rules?
Yes. Adjust thresholds, add client-specific rules, disable non-applicable rules.
What SLAs does VINCTA enforce?
| Priority | SLA |
|---|---|
| Critical | 4 hours |
| High | 24 hours |
| Medium | 72 hours |
| Low | 7 days |
Pricing & Support
How is VINCTA priced?
Annual subscription: €30,000-60,000/year for 10-100 employee neobanks.
Is there a trial?
30-day proof of concept with your actual vendor data.