Case Study

Apiax is a RegTech company that empowers financial institutions to embed regulatory compliance directly into their digital workflows. By transforming complex legal and regulatory requirements into machine-readable rules, Apiax enables relationship managers, legal teams, and product developers to make compliant decisions in real time—without needing to manually consult legal documentation or external counsel.

To help Apiax operationalize this vision, Top Remotely was brought in as a key development and integration partner. From engineering the digital rule engine to building secure APIs for embedded deployment, Top Remotely’s team collaborated closely with Apiax to create a scalable, future-ready compliance platform that adapts across global regulatory frameworks.

Challenges

Legal and compliance officers in financial institutions faced persistent hurdles:

• Fragmented and inconsistent interpretation of legal guidelines across regions.

• Manual compliance checks slowing down product launches and customer onboarding.

• Inability to keep up with frequent regulatory changes from authorities like FINMA, FCA, or MAS.

• High legal costs due to redundant reviews and delayed approvals.

Top Remotely worked alongside Apiax’s legal experts and compliance consultants to model these challenges into dynamic product requirements, ensuring the platform’s architecture supported continuous rule updates and multijurisdictional scale.

Objectives

In collaboration with Apiax’s leadership and legal teams, Top Remotely helped define the following technical and functional objectives:

• Digitize legal and compliance rules for real-time, automated decision-making.

• Ensure global teams adhere to jurisdiction-specific rules with minimal friction.

• Improve transparency and consistency in regulatory interpretations.

• Reduce time-to-market for new products and services by embedding compliance checks directly into business processes.

Solutions

Top Remotely played a vital role in architecting and deploying the Apiax Embedded Compliance Platform with the following capabilities:

• Digital Rule Engine: Converts regulatory texts into structured digital rules, easily deployed into any app or workflow.
  
• Smart Compliance Checks: Automated validation of client interactions, product offerings, or transactions against legal frameworks.
  
• No-Code Rule Builder: Enables legal and compliance teams to manage rule sets without developers.
  
• Jurisdiction Mapping: Built-in support for global regulations (EU, UK, APAC, etc.), constantly updated by Apiax’s legal content partners.
  
• API & Widget Integration: Seamlessly connects to CRMs, onboarding tools, and digital banking platforms.

Deployment Process

The deployment process followed a multi-phase strategy executed jointly by Top Remotely’s technical consultants and Apiax’s compliance specialists:

• Legal Rule Modeling: Translated institution-specific policies and regulatory obligations into Apiax’s digital rule format.
  
• Pilot Phase: Embedded compliance widgets into client onboarding journeys across selected markets.
  
• Rollout & Scaling: Integrated Apiax’s APIs into global banking systems and CRM platforms.
  
• Training: Delivered enablement sessions for legal, risk, and product teams on rule management and auditing.

Results

With Top Remotely’s development, integration, and deployment expertise, Apiax achieved the following measurable results:

• Cut legal review time by 60% during cross-border product launches.
  
• Achieved real-time compliance checks in over 90 jurisdictions.
  
• Reduced regulatory breach risk by 40% thanks to automated controls.
  
• Lowered legal and consulting overheads by 25% annually.

Technology Stack

• Backend: Node.js, Python
  
• Frontend: Angular
  
• Cloud Infrastructure: Google Cloud Platform
  
• Security: End-to-end encryption, GDPR and ISO 27001 compliant
  
• APIs & Integrations: REST/GraphQL APIs, integrations with Salesforce, Avaloq, and Temenos

Apiax represents the next evolution of regulatory compliance—one where legal teams no longer act as bottlenecks, but as enablers of rapid, compliant decision-making. With Top Remotely’s technical leadership, the platform’s compliance-as-code architecture was transformed into a scalable, global solution that empowers institutions to operate with agility and confidence.

By embedding regulatory intelligence into digital workflows and automating critical decisions, Apiax—developed in close collaboration with Top Remotely—proves that compliance, when built right, can accelerate innovation rather than hinder it.