Complee

AI powered copilot to get licensed in any country in Europe, expansion made easier.

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Inspiration

The story of the Swan founder sparked it. He described how painful it is for a European FinTech to expand from one country to another — every new market means a new licence, a new regulator, a new stack of policies, and months of legal work. We kept hearing the same thing from other founders: "We have product-market fit, but compliance is the wall." Complee was born to tear that wall down.

What it does

Complee is an AI Compliance Consultant for FinTechs expanding across borders. You tell it your home licence, your target country, your institution type and the services you want to passport. In minutes it:

  • Runs a gap analysis against the target regulator's rulebook (FCA, BaFin, ACPR, DNB, BdE…).
  • Generates a regulator-ready document pack — policies, application forms, cover letter — auto-filled with your company data.
  • Lets you e-sign inline (eIDAS-style) and invite external reviewers (lawyers, compliance consultants) to comment, request changes, and counter-sign in the same workspace.
  • Produces a tamper-evident audit trail and a one-click submission pack ZIP for the regulator.

From licence in one country to a readiness assessment in another — in five minutes, not five months.

How we built it

  • Frontend: React 19 + TanStack Start (SSR), Tailwind v4, shadcn/ui, framer-motion.
  • Backend: Lovable Cloud (Postgres + Auth + Storage + Edge Functions) with strict RLS, a separate user_roles table, and SECURITY DEFINER helpers (has_role, is_workspace_reviewer).
  • AI layer: Lovable AI Gateway — Gemini 2.5 Pro for document generation and policy gap analysis, Gemini 2.5 Flash for the in-app assistant.
  • Documents & signatures: jsPDF for generation, pdf-lib for stamping signatures + appending an Electronic Signature Certificate, Web Crypto SHA-256 for document hashing, jszip for the submission pack.
  • Audit ledger: hash-chained audit_events (prev_hash → event_hash) so every action is verifiable.

Challenges we ran into

We started with three separate tools — a gap-analysis engine, a document generator, and a reviewer portal — built in parallel. Stitching them into one coherent product proved harder than building them. Data models clashed, signature flows diverged between owner and reviewer, and the UX felt like three apps in a trench coat. Halfway through, we made the hard call to collapse everything into a single workspace-centric product and rebuild the connective tissue. Painful, but it's what turned Complee from a demo into a platform.

Accomplishments that we're proud of

We shipped a real compliance tool for cross-border expansion plans that:

  • Takes a FinTech from "I want to launch in country X" to a complete, signed, reviewer-approved authorisation pack automatically.
  • Generates regulator-specific documents — not generic templates — tailored to the target rulebook.
  • Gives external auditors a dedicated reviewer portal with the same signature format as the owner (inline stamp + Electronic Signature Certificate), so trust never breaks.
  • Maintains a tamper-evident audit trail end-to-end.

What we learned

  • Compliance is a workflow problem, not a document problem. Generating a PDF is easy; routing it through owners, reviewers, and regulators with provenance is the real product.
  • Trust signals matter more than features. Identical signature formatting between owner and reviewer did more for credibility than any UI polish.
  • Cut to one product early. Three half-integrated tools beat zero shipped products — but one fully integrated tool beats everything.
  • RLS-first design saves you from rewriting security later.

What's next for Complee

  • Today — Licensing. Research → Roadmap → Documents for FinTech licence applications in target countries.
  • Next — Regulatory monitoring. Continuous tracking of PSD3, PSR, DORA, MiCA, EU AI Act and Consumer Duty — turned into company-specific action items.
  • Later — Full Compliance OS. Evidence layer, vendor risk, and audit-ready reports — one platform across every jurisdiction you operate in.

From getting licensed → to staying compliant — in one platform.

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