The Intelligence Layer For Compliance Operations.

Curvestone reads real documents and data, checks them against your compliance rules, and shows exactly why each decision was made. Every case. In minutes.

The problem

Most of your compliance risk is invisible.

Regulations get more complex. Volumes increase. But review capacity stays flat. Whether it's case files or broker submissions — manual processes leave gaps that create risk you can't quantify until it's too late.

• 50–90 min - Average time taken for mortgage networks to manually review case files.
• 10–15% - Average case sampling, leaving the rest of the documents unchecked.

How Curvestone fixes it

Every case reviewed — to your policy, with evidence.

Curvestone replaces sample-based supervision with automated review on every submission, configured to your specific rules, exceptions, and judgement calls.

Reads any document format

Photos, scans, PDFs, password-protected docs, forwarded emails — whatever brokers actually send.

Applies your specific policy

Configured to your exceptions and judgement calls, not a generic template or library of pre-baked rules.

Audit-ready by default

Every decision, override, and finding logged with source-document traceability for the FCA, FOS, or PI insurer.

Minutes per case

From an hour-plus of manual review per file down to 1–3 minutes automated — at full coverage.

Our Products.

Our product suite is live in production across UK mortgage networks, lenders, and brokers — all running on the same intelligence engine.

Compliance Checker

Full case file review against your rules — graded outcomes with evidence references, not a black box.

Pre-Underwriting Review

Flag affordability issues and policy breaches before applications reach the underwriting queue.

Financial Crime Controls

PEP, sanctions, adverse media and director checks — every hit investigated and resolved, evidence attached.

Production accuracy

99.4% - Accuracy vs manual case checking.

How it works

From documents to decision in minutes.

Every case follows the same four-step path — read, review, return a verdict, log evidence — configured to your policy.

1. Documents arrive.
   From your CRM, LOS, or case management system. Photos, scans, emails, password-protected PDFs, handwritten notes — whatever brokers actually send. Curvestone reads them all, regardless of format or quality.

2. Curvestone reviews the full case.
   Every document checked against your own policies — suitability, affordability, vulnerability, completeness. Not field extraction. The platform reasons across the whole file the way a human reviewer would, and traces every finding back to the source document.

3. You get a decision.
   Each case returns pass, amber, or fail with a recommended action: clean-pass through, route to a reviewer, or bounce back to the broker with specific remediation steps. Outputs feed into your origination screens via API.

4. Audit trail, by default.
   Every decision, every piece of evidence, every override, every timestamp — logged. Traceable, reproducible, and defensible for internal QA, regulatory audit, and Consumer Duty reporting.

Built for regulated financial services.

Deployed in production with UK mortgage networks, lenders, and broker firms — not a lab, not a pilot.

Mortgage Networks

Supervise every AR file, promotion, and website. Without growing the team.

Lenders & Building Societies

Automate document processing in origination. Better submissions. Faster decisions.

Brokers

Validate case files before submission. Submit right, first time.

Wealth Managers

Review suitability reports and advice files against Consumer Duty. Evidence every outcome.

Mortgage Packagers

Check every case is complete before it reaches the lender. Fewer queries, faster offers.

See what 100% compliance coverage looks like.

Cert No. 19087