One Single Platform For Client Onboarding
Allowing financial institutions to realise the full potential of their global client base.

muinmos PASS

muinmos developed PASS, a software which instantly and globally classifies/ categorises the client in accordance with MiFID in the EU or as equivalent in the rest of the world (KYCC), and instantly determines whether a financial institution can on-board a client to trade with it in a particular service (KYS), product (KYP) and country (KYCO) whilst clearing the anti-money laundering requirements (AML) by using a traffic light rating system with full detailed breakdown of the results. This cuts down the on-boarding time from weeks/ months, to seconds at a fraction of the cost. PASS automatically notifies the financial institution of any regulatory changes 24/7, thus ensuring continuous compliance. PASS is a cloud based technology used together with a compliance "equation calculator/algorithm", using AI by implementing a rule based expert system. PASS is a stand-alone system but can also easily be integrated into existing on/ offline on-boarding processes/ systems.

PASS works globally, and significantly shortens the time of commencing a business relationship, opens up new opportunities for financial institutions in their provision of financial services across the globe, and secures the underlying investor's protection.

Why muinmos?

One single platform from one single provider - PASS - from initial onboarding to ongoing client due dilligence throughout the client lifecycle with 24/7 monitoring.

PASS offers financial institutions…

Client Categorisation

PASS will categorise your clients in accordance with relevant regulation whether in accordance with MiFID in Europe or as applicable in the rest of the world.

Suitability & Appropriateness

PASS will assess whether a requested service for a particular product is suitable and/or appropriate for your client in question.

Anti-Money Laundering

PASS will assess whether your client clears all the anti-money laudering checks across multiple jurisdictions.

Global Coverage

PASS today covers the whole of Europe and many other countries, more are being added continuously based on our client's needs.


PASS is fully automated and web based.

Compliance Validation

PASS will check for required licenses/passports/exemptions and if a service for a particular product can be provided to your potential client without license/passport/exemption.

Around the Clock Compliance

PASS offers continuous categorisation, suitability and/or appropriateness checks on the service offered to your clients for a particular product based on regulatory changes, thus securing your ongoing compliance 24/7.

Always Up-to-date Compliance Data

The compliance data in PASS is delivered on a continuous basis by acknowledged reputable regulatory market experts and financial supervisory authorities on a global scale.


muinmos offers different levels of integration of PASS into your existing on/ or offline onboarding process.

Full Audit Tracks & Compliance Documentation

PASS stores all results for future documentation towards compliance, audit (internal/external), and financial supervisory authorities.