The Muinmos HACA Partners deal marks a quiet but telling expansion for the Danish regtech firm: rather than signing another broker or crypto exchange, Muinmos has won a Luxembourg-based audit and consulting firm as a client. HACA Partners, which operates from offices in Luxembourg, Paris, Casablanca and Dakar and says it serves more than 500 internationally active clients, will use Muinmos’ automated screening platform to handle know-your-customer (KYC) and anti-money-laundering (AML) checks. Neither party disclosed contract terms or a start date.
What the Muinmos HACA Partners Deal Actually Covers
HACA is not onboarding retail traders. It is verifying corporate clients on its own behalf, running checks on those clients’ underlying customers, and providing outsourced compliance services to firms that prefer not to manage the function in-house. That last layer, sometimes called compliance-as-a-service, means Muinmos’ software is effectively being resold downstream to a second ring of organisations.
HACA’s partner for regulatory and compliance, Cédric Leroy, said in a statement that ‘the platform can be integrated via a single API into any existing system,’ which he called decisive for the firm’s operating model. The firm previously relied on manual processes and individual analyst judgement, which it described as slow and prone to inconsistency.
Muinmos says its platform screens against more than 2,200 watchlists across more than 200 jurisdictions and allows clients to set their own risk thresholds. That claim sits alongside three performance figures the company has published: a 76% reduction in false positives (alerts that flag clean transactions as suspicious), onboarding times up to 96% faster, and a 32% fall in onboarding-related costs. Muinmos has not published the methodology, the sample, or the baseline behind any of those figures, and none are independently verified.
Unverified Performance Claims and a Moving Coverage Figure
The coverage claim itself has shifted. When Muinmos announced its deal with the Financial Conduct Authority (FCA)-regulated investment firm Diagram Capital in December 2024, it described screening against more than 1,400 databases. It now cites 2,200 watchlists, a different unit of measurement, with no reconciliation between the two figures. That is not necessarily deceptive, but buyers comparing vendor pitches should note the change in how the scope is described.
Muinmos’ founder and chief executive, Remonda Kirketerp-Møller, has herself argued for caution on artificial intelligence in compliance, saying at London Summit 2025 that usability, accuracy and accountability are fundamental and that weak implementation can bring fines and reputational damage. On the HACA deal specifically, she described the firm as ‘a trailblazing firm in a sector that is typically fairly conservative.’
The company has accumulated a string of credentials and partnerships in recent years. Muinmos was named category leader in client lifecycle management (CLM) solutions for wealth management by Chartis Research in 2023, and won the Best KYC Provider award at the B2B Global Forex Awards in 2024. Beyond brokers, it has integrated its platform into ZagTrader’s institutional trading infrastructure and into Blade Labs’ Digital Asset Platform, whose enterprise clients include LG Electronics, to address fragmented KYC processes in the Web3 space.
Its Africa push adds another dimension. Through a strategic partnership with Africa Due Diligence, in which Muinmos took an equity stake in 2025, the firm aims to extend coverage across 54 African countries. Africa Due Diligence says its system allows 65% more clients to be credibly verified compared with the market standard across the region.
The EU Deadline That Explains the Buyer
The regulatory backdrop explains why an audit firm is shopping for automated screening tools now. Regulation (EU) 2024/1624, the EU’s new anti-money-laundering regulation (AMLR), was adopted on 31 May 2024 and applies directly across all 27 member states from 10 July 2027. It replaces the existing patchwork of national laws and, critically for HACA, it explicitly covers auditors, accountants and professional-services firms as obliged entities.
Accountancy Europe has noted that the regulation substantially affects accountants’ and auditors’ daily operations across customer due diligence, beneficial ownership transparency, sanctions screening, suspicious activity reporting and record retention. Requirements around beneficial ownership have been strengthened with a refined definition. Fines under the regime can reach 10% of annual turnover.
The EU’s new Anti-Money Laundering Authority (AMLA) has been operational in Frankfurt since July 2025 and is due to begin directly supervising around 40 high-risk cross-border institutions from 2028. For firms like HACA, whose work touches internationally active clients across multiple jurisdictions, the compliance burden will only intensify. The question for competitors, including Sumsub, ComplyAdvantage (backed by Goldman Sachs), and Fenergo, is whether the professional-services segment becomes the next front in the KYC platform wars. July 2027 is the deadline that will force the answer.
