How Blue EMI Built a Scalable Compliance Foundation with Ondato
Blue EMI is a Lithuania-based electronic money institution that helps businesses bridge traditional payments and digital finance, offering such services as account-to-account payments, embedded checkout solutions, card payments, open banking services, account and wallet opening for crowdfunding participants, and MiCAR-compliant euro e-money tokens.
Focusing on secure, compliant financial infrastructure, Blue EMI offers its services to e-commerce, crowdfunding, institutional payments, and emerging Web3 finance organizations.
As a regulated EMI, Blue EMI needed onboarding and compliance processes that could grow with the business without slowing customers down.
The Challenge
When Blue EMI was preparing to launch its services, the team knew that onboarding could not be treated as a back-office formality.
For a regulated electronic money institution, verifying customers, collecting the right KYC and KYB information, and meeting AML expectations had to be built into the foundation of the business.
That’s why Blue EMI needed onboarding and compliance processes that could grow with the business without slowing customers down. So, the challenge was to start with the right system from the outset.
At the same time, onboarding had to feel simple for the customer. Blue EMI needed a solution that would also provide its customers with a smooth, professional onboarding experience.
Naturally, the team started looking for a partner that could combine regulatory-grade identity verification with reliability, practical integration, fair pricing, and user-friendly flows.
The Selection: Why Ondato
Blue EMI’s requirements were practical and business-critical. In a nutshell, the company needed a dependable platform, straightforward integration, reasonable pricing, and a customer experience that would not compromise conversion.
Ondato’s platform aligned with those requirements well. It offered the core identity verification and compliance capabilities Blue EMI needed to launch its services, including IDV and KYC/KYB questionnaires.
Ondato also provided a setup that fit Blue EMI’s operational priorities at the time: compliant, usable, and ready to support a regulated onboarding process.
For Blue EMI, the decision came down to finding a solution that worked in the real world – strong enough for compliance teams, clear enough for customers, and practical enough for technical implementation.
And that’s how Ondato became Blue EMI’s partner in 2023, helping create a reliable onboarding and compliance process from the start.
The Implementation
Blue EMI integrated Ondato directly into its core banking platform and its screening and monitoring SaaS provider. In the customer journey, Ondato became the first step of customer onboarding.
From a technical perspective, the implementation was relatively straightforward for standard onboarding flows. More specific customization requests and workflow adjustments required additional coordination and sometimes longer timelines, but overall, the integration was manageable.
The result was a connected onboarding setup in which identity verification, customer data collection, and compliance checks could support one another rather than sit in separate operational silos.
The Results
With Ondato in place, Blue EMI has improved onboarding efficiency by reducing manual verification steps and centralizing certain compliance checks on a single platform.
- For the compliance team, this meant a more standardized way to manage customer onboarding.
- For customers, it helped create a more consistent onboarding experience.
- And for Blue EMI’s business in general, it meant a process that could support growth without requiring every case to be handled manually.
According to the Chief Business Development Officer at Blue EMI, Austėja Šostakaitė:
“Ondato helped us balance compliance requirements with customer onboarding experience through standardized verification flows and automated screening capabilities, which allowed us to maintain compliant onboarding processes while supporting a reasonably smooth client experience.”
This balance became especially important as the business scaled. Instead of adding more manual work with every new customer, Blue EMI could rely on a more repeatable onboarding framework.
Here is a snapshot of how Ondato helped improve Blue EMI’s operations:
| Onboarding | Reduced manual verification steps and created a more structured onboarding journey |
| Compliance operations | Centralized certain compliance checks within one platform |
| Scalability | Helped establish a repeatable onboarding process as the business grew |
| Customer experience | Supported a smoother onboarding flow while maintaining regulatory controls |
| Integration | Connected with Blue EMI’s core banking platform and screening/monitoring provider |
A Partnership That Delivers
For Blue EMI, Ondato has become part of the operational foundation that supports compliant growth.
“Our cooperation with Ondato has been constructive and operationally valuable in supporting our compliance and onboarding processes. Ondato provided the core functionality we required as an EMI, and overall helped us maintain compliant onboarding operations as our business scaled,” concluded Austėja Šostakaitė.
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If your platform is navigating similar challenges around KYC, KYB, AML, or compliance at scale, Ondato can help.
Get in touch to explore how we can support your growth while keeping your users safe.
