Kobalt Labs
AI-powered copilot enabling financial institutions to automate and strengthen third-party diligence and compliance workflows.
Where Kobalt Labs ranks
Current edition · updated Oct 20, 2026About Kobalt Labs
Automate and strengthen manual risk and compliance operations for fintechs and banks. Given a third party contracts and documentation, Kobalt’s reasoning engine ingests internal policies and procedures, legal commitments, past privacy and compliance assessments, and syncs with external legislation to instantly auto-surface and track risks.
We're helping community/regional/sponsor banks increase revenue and scale their partnership and vendor volume, and we're helping fintechs conduct their partner diligence in 1/10 the time, all without needing to increase headcount.
Products
AI-powered copilot that automates third-party diligence and compliance workflows for financial institutions, including document review, regulatory gap analysis, risk reporting,...
What customers say
“It’s made our entire vendor risk program stronger, more efficient, and focused. We've been able to provide a higher level of surface to our internal partners. People are more engaged because we're able to quickly get on the same page by addressing specific questions and get contracts completed in a timely manner.”
“It's made us subject matter experts in every part of this process. Before, we'd be waiting on others to tell us what was missing or sufficient. Now I know exactly what’s needed before anyone else gets involved.”
“Within 5 minutes of getting the vendor's packet, Kobalt can tell me exactly where I need to follow up. It integrated seamlessly into my workflow — it’s now my default first step because it cuts out all the noise and differences in formatting.”
Payscout uses Kobalt to screen compliance documents, merchant agreements, and third-party materials for gaps and missing terms. Kobalt reports 87% time savings in document review and implementation in three days without…
Case studyCore Bank uses Kobalt Labs to automate fintech partner due diligence, map evidence to controls, and generate assessment reports. Kobalt reports document review fell from 10–16 hours to 1–3 hours, with additional SME…
Case studyMeriwest Credit Union uses Kobalt to analyze vendor documents, identify missing risk information, and focus contract reviews. Kobalt reports onboarding dropped from more than six weeks to three weeks and contract reviews…
Case study
Security and compliance
As reported by Kobalt Labs. Ask for audit reports before you buy.
- SOC 2Certified
- Bank-level encryption for data transmission and storage
- Does not train on company information
- Does not pass platform insights between customers or third parties
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