System

Onboarding a sector banks couldn't reach. At the standards banks demand.

One platform. Three surfaces. Operators compile a structured profile and decide what each counterparty sees. Banks onboard mining clients with a sector-fitted KYC and a defensible score. Partners (agencies, certifiers, buyers) read parts of the same record, scoped by the operator. Built once for the segment. Used by each party on their own terms.

For operators

Register on the system. Compile your data.
Use it to apply for services.

You aren't filling out one bank's form for one-time use. KOTA guides you to take the information you already have (registration, sites, operations, people, trade) and organise it into a structured digital identity.

That same identity then becomes your foundation for opening a bank account, applying for credit, engaging a buyer or proving your status to a government office. You decide who sees what, and for how long.

Operator at site
South Kivu · DRC

A work that earns attention.

How it works

Four steps. You set the pace.

From registration to your first decision and beyond. Each step builds the profile every later counterparty will also read.

  1. 1
    Register
    Create an organisation on KOTA in minutes. No gatekeeping, no scheme to enroll in.
  2. 2
    Compile your profile
    Walk through what banks and counterparties need, field by field. At your own pace, with guidance, and a meter that shows what's left.
  3. 3
    Apply to a bank
    Share the scopes the bank needs. Track the review. Receive a decision and guidance, anchored in your record.
  4. 4
    Reuse for the next counterparty
    The same profile applies to the next bank, the next buyer, the next regulator. Each engagement reuses what you've already compiled — no duplication of effort across the chain.
01
COMPILE
Guided compilation

Build your profile step by step. In your own time.

KOTA is not a blank form. It walks you through what to enter, field by field. Save your progress and come back when the next document is in hand.

At every step, the platform makes clear what is still missing and why each piece matters. The result is a profile that is complete in context, defensible under review, and ready to engage the market: to apply to a bank, or to your partners.

KOTA GUIDES YOUPROFILE READY72%01100%Who you areidentity & business02100%Where you operatesites & permits0380%How you workoperations0455%Who works with youpeople & cooperatives0525%Trade flowsbuyers & shipments
Five modules. One overall readiness score.Each module (identity, sites, operations, people, trade) tracks how complete it is on its own ring. The bar at the top combines them into a single Profile Ready score (72% in this example), which climbs as you fill more in.
Plain language
Each field is explained in terms of your actual work, not a legal manual.
No deadline
Save your progress. Return when the next document is in hand.
Always-on guide
A readiness meter shows what's left and why each piece matters.
02
STORE + REUSE
Your record, held by you

Compile once. Reuse for the next bank, the next buyer, the next shipment.

You already gather many documents, declarations and forms to respond to banks, buyers, government offices and certifiers, usually one process at a time and each with its own template. KOTA brings all of that together into one record that stays with you. When a new request comes in, you respond by sharing only the parts that apply.

Your records remain yours. Your structured information is yours to keep, to update, and to reuse, so you never have to start over with the next counterparty.

YOUR RECORD · YOUR KEYWho you areWhere you operateHow you workPeopleTradeTrust Merchant Bankaccount servicesLIVEOther banks joining KOTAaccount servicesA buyerdue diligence, traceabilityA government officelegalisationAn investment partnerbusiness plan
One record, held by you. Reused for every counterparty.Your transparency efforts naturally compound over time.
You decide what is shared
Pick what each counterparty sees. Update it later. Revoke when needed.
No shared database
There is no master vault that anyone else reads from. Your data belongs to you.
Yours to keep
Stop using KOTA, and your record stays with you. Portable, by structure.
03
COMPLY
Compliant on your own terms

Comply with the OECD Due Diligence Guidance. Without enrolling in a foreign programme.

The OECD's five steps of due diligence are already the shape of your KOTA reporting system. As you compile, you're doing the work the international standard asks for, and you can demonstrate that anywhere.

And it's free, because it also helps banks navigate the local context and lower their risk.

OECD DUE DILIGENCE · 5 STEPSYOUR KOTA RECORDSTEP 01Set up management systemsManagement systems self-assessment toolyour operating contextSTEP 02Identify and assess risksAssessment and monitoring modulesstructured in the recordSTEP 03Respond to identified risksActivity and operations logging formslogged as you actSTEP 04Independent third-party reviewReporting-ready analysisauditable trailSTEP 05Public annual reportingExportable and shareable recordsdrawn from the record
You comply by compiling and sharing.The OECD Due Diligence five steps are already the shape of the KOTA reporting system. Each step you complete is a step toward the international standard, with no foreign programme to depend on.
Standard, built in
The OECD five-step structure is the shape of the profile, not an extra module.
No enrollment
No traceability scheme to subscribe to. No third party to clear you through.
No lock-in
Your profile is portable. You aren't tied to a programme that controls your data.
In the product

The operator surface.
Live today.

Simplified registration: operator onboarding form
Start

Compile your profile. Engage your first bank.

Onboarding is free for operators. Your structured profile becomes the foundation for every counterparty you engage afterwards.

Start onboardingLearn more
For banks

Onboard mining counterparties. Manage compliance risk.

In a context where information is scarce and capacity is limited, KOTA adds the sector-specific layer, a transparent score, and a record structure that holds up under scrutiny.

Banking partner
Kinshasa · DRC

Navigating global reporting requirements.

01
STRUCTURE
Sector-aligned KYC

Use the pre-built KOTA solution, or tailor it to your own KYC stack.

KOTA already incorporates a robust risk assessment and customer management system aligned with ASM realities. It can be expanded to adjust to your own internal procedures and requirements.

Layer in the information sources, reference and checks that best fit your compliance and business framework.

+ KOTA SECTOR LAYERwhat the sector requiresCooperative status & legal standingMining site permits & validationSupplier and trade flow mappingOECD red-flag screening and compliance assuranceSAME COUNTERPARTY · ONE FILEYOUR EXISTING KYC STACKexpanded by your toolsIdentity & PEP screeningSanctions & adverse mediaSource of funds basics
A robust compliance framework, adapted to the realities of informal sectors.KOTA incorporates artisanal-mining specific risk management features which generic KYC could not address.
Integration
You can leverage PEP, sanctions checks, adverse-media flows from any tool.
Sector overlay
ASM-specific fields the bank's generic process was never designed to capture.
One counterparty file
Generic + sector data sit in one record per operator. Auditable end-to-end.
02
ASSESS
Algorithmic Stakeholder Evaluation

A counterparty score compliance teams and credit committees can read, defend and tier.

Algorithmic Stakeholder Evaluation is a Datastake innovation: deterministic, verification-weighted, continuously recalculated from the structured record. Each component carries an explicit weight, anchored in evidence the bank can inspect end to end.

The methodology ships ready to use, and is fully adjustable. Reweight components, tighten thresholds, fold in your own checks: the scoring stays defensible because the inputs and the logic remain visible. Your credit policy still owns the decision; the score is the input it can stand behind.

COMPONENTS · EVIDENCE-LINKEDAGGREGATEIdentity & legalweight 20% · evidence linked92→ source documentsSites & permitsweight 25% · evidence linked88→ source documentsOperations evidenceweight 20% · evidence linked74→ source documentsTrade historyweight 20% · evidence linked65→ source documentsOECD red-flag screenweight 15% · evidence linked80→ source documentsKOTA SCORE0out of 100Tier B→ your credit policyowns the decision
A score you can defend, line by line.Five weighted components feed one transparent grade. Every cell is traced back to the underlying document or check that produced it.
Transparent weights
Every component carries an explicit weight. No black-box rating to defend to a regulator.
Evidence-linked
Each score drills back to the underlying field, document or external check.
Bank-adjustable
Reweight, retune, fold in your own checks. The bank shapes the methodology to its policy.
03
DEFEND
Defensible engagement

A way to engage the sector that holds up under scrutiny.

Every regulator or correspondent obligation, whether KYC, AML, OECD Due Diligence or sector-specific reporting, traces back to sections of your counterparty records on KOTA.

When the regulator asks, the answer is already structured. Not reconstructed at review time.

OBLIGATIONS YOU CARRYSECTIONS OF THE RECORDKYCidentity verificationAML / CFTmoney laundering checksOECD Guidancedue diligence in miningSector-specific reportingregulator requirementsIdentity & beneficial ownershipSites and permitsOperations and tradeCounterparty & supplier chainAnnual filings & disclosures
Every rule, mapped to a section of the record.When the regulator asks, the answer is already structured. Each obligation traces to a specific named section of the KOTA record, captured at the moment of compilation rather than reconstructed at review time.
Obligation-traced
Each regulator obligation maps to a specific section of the operator record.
Audit-ready
Evidence is structured the moment it's captured, not reassembled later.
Sector defensible
A documented standard for engaging artisanal mining, shared by the cohort.
In the product

The bank surface.
Live today.

Regulatory compliance: bank account opening form
For banking partners

Join the live bank cohort.

Trust Merchant Bank is live in the Democratic Republic of Congo. Peer banks in the region are the next ring out. Adoption is by direct conversation.

Contact usLearn more
For partners

The same operator record, read by every party who needs it.

Aggregators consolidating cooperative production. Buyers running supply-chain due diligence. Government agencies (bodies like CEEC or SAEMAPE in the DRC, or their equivalents elsewhere) that need a clear picture of who is operating, where, under which permit. Certifiers and equipment financiers running OECD-aligned diligence. Each reads the same structured record, scoped by the operator.

No methodology to rebuild. No bank-style adoption to take on. Just the read access that the operator chooses to grant.

Partner engagement
Haut-Katanga · DRC

From banking to governance.

01
READ
Your framework, applied

Apply your due-diligence framework. The operator record is already structured for you.

You can interoperate with KOTA. Your supply-chain due diligence, your traceability, your risk management, your scheme audit and your programme reporting all read sections of the same OECD-aligned operator record that banks engage.

The solution is readily adaptable to your own information gathering, analysis and reporting needs.

OPERATOR RECORD · OECD-ALIGNEDIdentity & legalSCOPE · 15%Sites & permitsSCOPE · 30%OperationsSCOPE · 45%Trade flowsSCOPE · 60%Risk responsesSCOPE · 75%YOUR DUE-DILIGENCE FRAMEWORKYour supply-chain due diligenceCSDDD / EU CRMA reviewScheme auditProgramme reporting
Apply your own due-diligence framework to an already-structured operator record.Buyers, certifiers, donors and public-sector counterparts each read the same OECD-aligned operator record through a scope the operator chooses. No methodology to rebuild on your side. No second form for the operator.
Framework-agnostic
CSDDD, OECD, EU CRMA, sector schemes all read the same structured record.
Scoped + consent-bound
Each operator chooses what each partner sees. Read access, by named scope.
No formal adoption
Interoperability is the default path. Becoming a full participant is optional.
02
CONNECT
Access information that was siloed

Data consolidation across ecosystem participants. To minimise risk.

Bank files, audit reports, scheme databases, public registers, civil-society reports. The sector has lived with these as separate silos for decades.

KOTA connects the read across them, scoped by the operator's consent, so partners see one surface.

Self-reporting by ASM actorsthe operator's own recordAudit reportsone-off, on paperScheme databasesbehind loginsPublic registersfragmentedCivil-society reportsuncataloguedKOTA LAYERStructured readscoped by operatorMULTIPLE PARTNERSOne read surfaceno new silo
Multiple sources. One structured read.Sources stay where they are. KOTA connects the read across them, scoped by the operator's consent, so partners see one surface instead of chasing five.
Readily available
The core system is built and can be customised.
Operator-controlled
Operators decide what flows through KOTA, and to which partner.
Open & interoperable
KOTA can be incorporated into any other existing system.
03
DEFEND
Defensible engagement

The same defensibility banks build, fitted to your needs.

The KOTA onboarding and counterparty management system can be tailored to your use case. It can be complemented by modules such as traceability, payments or identity check to meet your digital reporting needs.

KOTA traces each obligation back to a specific section of the operator record. Captured at compilation, not reconstructed later.

YOUR PARTNER OBLIGATIONSSECTIONS OF THE RECORDSupply-chain due diligenceOECD-alignedCSDDD / ESGEU requirementsProgramme M&Edonors & grantsIdentity & beneficial ownershipSites and permitsOperations and tradeRisk responses logged
The same defensibility, fitted to your role.Supply-chain due diligence, CSDDD, programme M&E: each obligation maps back to a named section of the operator record, captured at compilation rather than reconstructed later.
Obligation-traced
Each obligation that applies to your role maps to a section of the record.
Audit-ready
Evidence is structured the moment it's captured, not reassembled at review time.
Role-fitted
Same record, different lenses. Buyer obligations differ from a donor's. KOTA holds both.
Interoperate

Read the same record. Without rebuilding it.

Civil-society monitoring and partner-system queries are already in the build. Speak to the team about your sector.

Contact usLearn more