Fourthline首席执行官Paul Stoddart将领导由其公司与西班牙Veridas合并而成的身份验证集团，该交易于周二完成。双方于7月16日首次宣布该交易。
Fourthline chief executive Paul Stoddart will run the identity verification group formed by his company’s merger with Spain’s Veridas, which closed on Tuesday. The two companies first announced the deal on 16 July.
合并后的公司为银行及其他受监管企业核验客户身份。其业务涵盖了解你的客户（KYC）与反洗钱审查、生物识别及欺诈防范，并称业务覆盖50多个国家。据Fourthline和Veridas的公告，该公司有望在2026年完成2亿次验证。
The combined company checks the identities of customers for banks and other regulated businesses. It handles know-your-customer (KYC) and anti-money laundering checks, biometrics and fraud prevention, and says it works in more than 50 countries. It is on track for 200 million verifications in 2026, according to the announcements by Fourthline and Veridas.
Stoddart表示：“交易完成标志着欧洲身份验证与欺诈防范领域真正的领军者正式诞生。从今天起，在阿姆斯特丹、马德里、伦敦、墨西哥城、圣保罗或波哥大引入客户的商业合作伙伴，将能通过单一供应商应用统一的验证标准。”
“Closing marks the establishment of a true European Leader in identity and fraud prevention. Starting today, a business partner onboarding customers in Amsterdam, Madrid, London, Mexico City, São Paulo or Bogotá will be able to apply a single verification standard through a single provider,” said Stoddart.
最高6500万欧元融资 该交易附带最高6500万欧元融资。现有股东Finch Capital提供部分资金。Seaya Andromeda进行新的股权投资，Ashgrove Capital提供债务融资。公告未披露总额的具体分配方式。
Up to €65m in funding The deal comes with up to €65m in funding. Existing shareholder Finch Capital is providing part of it. Seaya Andromeda is making a new equity investment, and Ashgrove Capital is supplying debt financing. The announcement does not say how the total is split.
资金将用于产品开发、收购及债务再融资，同时也为股权重组提供资金，其中包括为Veridas股东提供部分流动性。
The money will go to product development, acquisitions and refinancing debt. It also funds a reorganisation of the shareholdings, which includes partial liquidity for Veridas shareholders.
双方预计2026年合并营收将超过5000万欧元。他们表示，两家公司在交易完成时均实现EBITDA盈利，并预期2029年年度经常性收入将达到8500万欧元。
The companies project combined revenue of more than €50m in 2026. Both were EBITDA-positive at closing, they said, and they expect to reach €85m in annual recurring revenue in 2029.
他们还预计每年将实现2000万欧元的运行费率协同效应。由于客户重叠度低，大部分增长预计来自将各自技术销售给对方的客户。
They also expect €20m a year in run-rate synergies. Their customers overlap little, so most of that growth is meant to come from selling each company’s technology to the other’s clients.
Eduardo Azanza，Veridas的联合创始人兼首席执行官，将出任合并后公司的总裁。Finch Capital的管理合伙人Radboud Vlaar将担任监事会主席。总部将设在阿姆斯特丹，并在斯德哥尔摩、潘普洛纳、巴塞罗那、墨西哥、圣保罗和波士顿设有办事处。
Who runs the company Eduardo Azanza, Veridas’s co-founder and chief executive, becomes president of the combined company. Radboud Vlaar, managing partner at Finch Capital, chairs the supervisory board. The headquarters will be in Amsterdam, with offices in Stockholm, Pamplona, Barcelona, Mexico, São Paulo and Boston.
Fourthline成立于2017年，总部位于阿姆斯特丹。其客户包括Revolut、N26、Trade Republic、Qonto、Rabobank和Bitpanda。Veridas同年作为与西班牙银行BBVA的合资企业成立。该公司表示，其服务覆盖25个国家的350多家客户。
Fourthline was founded in Amsterdam in 2017. Its clients include Revolut, N26, Trade Republic, Qonto, Rabobank and Bitpanda. Veridas was founded the same year as a joint venture with the Spanish bank BBVA. It says it serves more than 350 clients in 25 countries.
Azanza表示：“我们的使命明确：我们辨别真伪，以便客户能够建立在信任之上的业务。此次合并为我们带来了人才、技术和覆盖面，使我们能够比单独任何一家公司都更进一步地推进这一使命。”
“Our mission is clear: we tell the real from the fake, so our customers can build on trust. This merger gives us the talent, technology and reach to take that mission further than either company could alone,” said Azanza.
为何两家公司现在合并 两家公司表示，受监管企业正同时面临两大压力。欺诈手段越来越多地由AI生成，包括深度伪造和合成身份。与此同时，合规规则正在不断扩大。
Why the companies merged now The companies say regulated businesses face two pressures at once. Fraud is more and more generated by AI, including deepfakes and synthetic identities. At the same time, compliance rules are widening.
这些规则包括欧盟的反洗钱规则（AMLR）、MiCA加密资产规则、eIDAS 2.0以及国家年龄验证法律。在墨西哥和拉丁美洲，还包括墨西哥银行监管机构CNBV等监管机构的规则。
Those rules include the EU’s anti-money laundering rules (AMLR), the MiCA crypto rules, eIDAS 2.0 and national age verification laws. In Mexico and Latin America, they also include rules from regulators such as Mexico’s banking supervisor, the CNBV.
两家公司引用Juniper Research的数据称，预计2026年全球在数字身份验证上的支出将达到近190亿美元。该机构预测，到2030年将增长55%，达到290亿美元以上。
The companies cite Juniper Research, which expects global spending on digital identity verification to reach nearly $19bn in 2026. It forecasts growth of 55% to more than $29bn by 2030.
任一公司的客户将保留其现有合同、集成和支持。两个平台将分阶段整合，公司表示客户无需采取任何行动。
Customers of either company keep their existing contracts, integrations and support. The two platforms will be integrated in phases, and the companies say customers do not need to take any action.