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Client snapshot & initial requirements
Kulipa is a Banking-as-a-Service platform for stablecoins. Their first product helps fintechs issue branded payment cards that can spend stablecoins in the real world. The company is scaling fast, doubling every month, with strong traction in emerging markets.
At its inception, Kulipa was building its compliance stack from the ground up and needed a robust, real-time transaction monitoring system to navigate complex global regulations.
Having previously worked with rigid, vendor-dependent tools, the leadership team knew exactly what they wanted to avoid. Their mindset was clear: stay in control and move fast.
Their key requirements were:
- Complete control through a self-served system: the flexibility to create and adapt a detection program tailored to their business, autonomously.
- A unified platform combining real-time transaction monitoring and case management.
The solution : compliance with autonomy and flexibility
Kulipa chose Marble for its unique approach to flexibility, the core pillar of the platform.
Kulipa’s top priority was full control over its detection framework. With Marble, the team adopted an ultra-flexible rule engine built on a custom data model mirroring Kulipa’s own data warehouse.
This combination gives their Compliance team the ability to tailor and adapt detection logic to Kulipa’s specific use cases and procedures, entirely autonomously, without involving engineers or vendor support.
Axel Cateland, founder and CEO of Kulipa, explains:
The flexibility of the custom data model is invaluable, you are only limited by your ability to send the data.
Kulipa also deployed Marble Investigation Suite to streamline case management workflows and became one of the pilot partners for Marble’s AI Virtual Analyst.
This feature, now available to all Marble clients, enables automated pre-investigation and enrichment of every case, helping teams scale their review capacity without additional headcount.
Results and next steps
Kulipa moved from initial data ingestion to live in just 3 weeks, deploying a sophisticated Compliance monitoring program, fully operational, at the speed the business demanded.
The onboarding was ultra-efficient, that’s very rare for compliance tools integration! We became autonomous quite fast, and Marble team was available for support whenever needed.
They now run real-time transaction monitoring across rapidly growing volumes. The compliance team has complete control and flexibility in iterating on its detection framework, with AI automation saving 90% case review time.
Beyond technology, the partnership has evolved into a close, collaborative relationship. Kulipa’s Compliance and Engineering teams provide continuous feedback that shapes Marble’s roadmap, ensuring the platform grows in lockstep with the needs of leading financial institutions.
As the team rolls out more card fraud detection scenarios, adds more real-time decline rules, and scales across high-growth markets like Nigeria, Marble will continue to support a self-served flexible framework, bringing AI to assist and optimize detection framework management, aiming for a self-optimised risk management system.
Axel Cateland
