Fourstop GmbH (4Stop)

Background and Founding

Fourstop GmbH (4Stop) was founded in 2016 in Cologne, Germany, by Ingo Ernst, Alvaro Kurth, Daniel Alvarado, and Nolan Bolusan. The company was created to address fragmented and costly compliance and fraud prevention processes in high-risk online sectors like iGaming and financial services. Its goal was to aggregate hundreds of global data sources into a single integration point with advanced anti-fraud analytics.

Product and Platform

4Stop's core offering is an all-in-one KYB, KYC, compliance, and anti-fraud solution accessed via a single API. The platform serves as a data orchestration hub, connecting to more than 650 global data sources (later expanding to over 1,800 premium sources) covering identity verification, AML screening, adverse media, and business registry checks. Key products include 4Score, a proprietary risk scoring technology that unifies four layers of KYC data analysis into a single risk score; a Global KYB Solution that returns business verification results in under seven minutes; and Anti-Fraud Monitoring with real-time transaction monitoring and cascading logic. The platform also offers compliance tools for case management, workflow builders, dynamic data recheck engines, and chargeback management.

Business Model and Clients

4Stop operated as a B2B regtech provider, targeting online businesses globally. Its data marketplace model allowed clients to select and combine data services from a wide network of premium providers, including partnerships with ComplyAdvantage for AML data and BCCS Cluster for blockchain security. The company served regulated industries such as iGaming, fintech, cryptocurrency exchanges, and e-commerce, helping them automate compliance, reduce operational costs, and accelerate onboarding while managing regulatory obligations.

Funding and Acquisition

In 2019, 4Stop closed a €2.5 million Series A funding round to expand its global KYB, KYC, compliance, and anti-fraud technology. The company grew quarter-over-quarter throughout 2020-2021, securing partnerships with major data providers. In December 2021, Jumio announced the acquisition of 4Stop, describing it as a strategic move to realize a unified identity orchestration platform. The acquisition closed in early 2022, after which 4Stop operated as a subsidiary of Jumio.

Current Status

As of the available data, 4Stop is a private company headquartered in Cologne, Germany, and is part of Jumio. It maintains an employee count of 11–50. The company's solutions are designed to support global regulatory compliance including GDPR, AML directives, and local KYC/KYB regulations.