Client

Xpollens

How Xpollens made business onboarding its priority with Ondorse

Aymeric Boëlle
5 min read

Key metrics

KYB remediation
5 min
per simple business file, down from 35–40 min
Countries covered
40+
18 with automatic document retrieval
Legacy base brought up to quality
36%
incl. 5% struck-off companies identified
IN THIS ARTICLE

Life before Ondorse

How Xpollens uses Ondorse

Results with Ondorse

CLIENT

ABOUT

Xpollens is the Banking-as-a-Service platform of Groupe BPCE. It provides payment accounts and payment services to platforms, software vendors and retailers, who embed them in their own offer for their business and individual customers. Key figures in 2025: 230,000+ active accounts, 100,000 active cards and €2bn in incoming flows.

INDUSTRY

Banking-as-a-Service

WEBSITE

Xpollens

Number of Employees:

150

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Use case
KYB · Business onboarding · Remediation · Data quality

Life before Ondorse

  • KYB relied on people at an outsourcer. Company files were validated by offshore operators at a Tier 1 BPO. On average a KYB file was resubmitted 2.7 times, each submission taking about 35 minutes plus 15 minutes of filtering and checking – an estimated €100–200K a year in resubmissions alone. ID checks for individuals ran through a separate ID&V provider.
  • Remediation was manual. A simple form asked customers whether their data had changed and, if so, to send the new document.
  • The compliance work fell on partners. Xpollens's partners had to collect KYB/KYC from their own customers, which slowed onboarding and created support work. About 27.5% of onboardings were abandoned, and Xpollens support handled an estimated 9,000 individual and 1,500 business tickets a year (around €315K).
  • Expanding beyond France was hard. Processes did not fit local rules, which limited the tenders Xpollens could answer.
  • Nobody measured onboarding time, because the process was scattered between the BPO, Xpollens support and the ID&V provider. Business customers were a small share of the activity; they have now become Xpollens's priority.

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How Xpollens uses Ondorse

  • One workspace per partner. Each Xpollens partner gets its own Ondorse workspace and onboarding journey, while Xpollens keeps a single compliance setup across all of them.
  • One API call to start, Ondorse hosts the journey. As described in Xpollens's Business Entity onboarding documentation, a partner requests a portal link from Xpollens's API and redirects its customer to an Ondorse-hosted portal. There, the customer fills in company information, related persons and documents, goes through identity verification and accepts the terms. Documents that can be retrieved from official sources are fetched automatically; the customer only uploads what is missing.
  • Screening included in the journey. PEP, sanctions and FATCA/CRS checks run inside the Ondorse journey, so partners do not call separate screening APIs.
  • Xpollens stays in control of the decision. The business entity is created in Xpollens only once the journey is submitted through Ondorse. Xpollens then runs the KYB review and notifies partners of every status change by webhook, up to account opening.
  • Testable end to end. Partners can test the full flow in Xpollens's sandbox, including the Ondorse journey, with mocked outcomes (approved, rejected, needs action…).
  • Built for Europe. The journey covers France, Poland, Spain, Portugal, Germany and Italy – about 93–94% of Xpollens's geography – and extends to 40+ countries, 18 of them with automatic retrieval of corporate documents from official registries.
  • Legal forms configured once. Ondorse natively handles each country and its legal forms, including sole traders and their equivalents. The list is set up once, then extended to every country.
  • Used daily by banking operations agents who review KYB files and handle alerts. High-risk files trigger enhanced due diligence, surfaced as a task in the case manager.
“
Our hardest step was the first country. Because Ondorse natively handles each country's registries and legal forms, going from one or two countries to forty became a configuration job, not a new project.
Jessica Melloul
Product Manager, Xpollens
“
A smooth and intuitive tool […] Ergonomic […] No more digging to find out whether a document is fraudulent.
Three Banking Operations Agents
Level 1 users, Xpollens

TAKEAWAYS

Results with Ondorse

  • From 35–40 minutes to 5 minutes per remediation
    On simple business files (two UBOs, no complex ownership chain), once the Kbis and legal representatives' data are retrieved automatically, agents no longer open and check each document: the data comes from the official source.
  • 36% of the legacy base brought up to quality
    Running Xpollens's legacy business base through registry data (registration number, NAF code, intra-EU VAT number), with a script and no human intervention, brought 36% of the base up to quality – including 5% of companies identified as struck off, which used to be checked manually.
  • A clean, reliable migration
    Enriching data before migration means Xpollens moves its customers onto Ondorse with up-to-date, verified information.
  • Adding a country is a configuration job
    Once the journey worked for one or two countries, extending it to 40+ became straightforward.
  • A partnership, not just a tool
    A monthly check-in collects Xpollens's needs so that new features are designed for every Ondorse client, not as one-offs.

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