From Tuscany to Luxembourg, Aptus.AI stands at the forefront of Europe’s RegTech transformation — turning the complexity of regulation into a driver of strategic value.
Founded by Andrea Tesei and Lorenzo De Mattei, the company is reshaping how financial institutions interact with regulation: not as a constraint, but as a catalyst for innovation, trust, and competitiveness.
Aptus.AI has quickly become a RegTech and legal AI pioneer. How would you describe your core mission, and what prompted your expansion beyond Italy into other key European markets?
At Aptus.AI, Andrea Tesei, CEO & Co-Founder, explains that the company’s mission is to make regulatory information accessible, understandable, and actionable for everyone. Regulations are the backbone of trust in finance, yet their complexity often turns compliance into a cost rather than an opportunity. Aptus.AI’s technology transforms this dynamic — turning legal texts into machine-readable data and making them accessible via AI, enabling institutions to navigate change faster, make informed decisions, and build stronger governance and compliance processes.
Expanding in Luxembourg was, according to him, a natural step in this journey. Regulatory challenges are inherently cross-border, and Europe’s financial ecosystem requires a unified, data-driven approach to compliance. Luxembourg, with its pivotal role in asset management and finance, represents an ideal hub for connecting innovation with strong regulatory standards. By partnering with local players, Aptus.AI aims to contribute to a more efficient, transparent, and intelligent compliance ecosystem across Europe.
Your technology turns complex regulations into actionable data. How does this differ from traditional monitoring tools and generalist AI, and how does it help financial institutions move from reactive compliance to proactive strategy?
Lorenzo De Mattei, CTO & Co-Founder, explains that regulatory watch is often manual, costly, and happens too late — when a law or regulation is already in place. Aptus.AI anticipates this by alerting customers from the draft phase of new regulations. But it’s more than timing and monitoring: the company’s technology converts complex legal documents into structured data that AI fully understands. This allows financial institutions not only to track regulatory changes but also to analyze their impact in real time, across jurisdictions and business units.
Unlike generalist AI models, Lorenzo adds, Aptus.AI’s engine is built specifically for legal and regulatory content. It understands the logic, hierarchy, and interconnections of laws — delivering precise, explainable outputs. This enables compliance teams to move from a reactive stance (“What changed?”) to a strategic one (“How does this affect us, and what should we do next?”). In short, Aptus.AI helps institutions treat compliance not as a constraint, but as a driver of strategic insight and resilience.
With its high concentration of financial institutions and demanding regulatory environment, Luxembourg seems like a natural fit. What key use cases or local collaborations are you planning to develop here?
For Enrico Cristalli, Growth Principal at Aptus.AI, Luxembourg’s leadership in fund management and financial services makes it a natural environment for the company’s solutions. The immediate focus is on helping institutions enhance regulatory change management, reporting efficiency, and support the second and third line of defense — compliance and audit — areas under strong supervisory pressure and rapid evolution.
Enrico explains that Aptus.AI is already engaging with local partners and associations such as ACA and ABBL to expand use cases tailored to Luxembourg’s specific needs. The objective is to foster a culture that places technology at the heart of business innovation and to empower compliance and legal teams with tools that make regulatory intelligence a true business asset — reducing costs, mitigating risks, and enabling faster decisions.
By establishing a local presence, Enrico adds, Aptus.AI also intends to contribute to Luxembourg’s broader RegTech and AI ecosystem, bringing cutting-edge legal AI fully aligned with European values of trust and transparency.
Aptus.AI is involved in key European initiatives such as Chat-EUR-Lex and LLMs4EU. How do these projects help build a more transparent and sovereign AI framework for Europe?
Building trustworthy, sovereign AI is a cornerstone of Andrea Tesei’s vision for Aptus.AI. Through participation in European projects such as Chat-EUR-Lex and LLMs4EU, the company contributes to creating large language models trained specifically on European legal and regulatory data, ensuring accuracy, explainability, and alignment with EU values.
Andrea also highlights the collaboration with the Italian Parliament on the Aptus.AI Manifesto, reflecting the company’s commitment to aligning AI innovation with democratic and institutional oversight. These initiatives collectively support a future where AI serves not only efficiency but also accountability and public trust.
In the regulatory field, Andrea insists, institutions must rely on systems that are both intelligent and transparent. By combining technological excellence with ethical design, Aptus.AI aims to become a cornerstone of Europe’s sovereign AI infrastructure for legal and compliance intelligence.
What are the next milestones in Aptus.AI’s journey to become the reference platform for regulatory intelligence, and how do you envision AI transforming compliance by 2030?
Looking ahead, Andrea shares that Aptus.AI’s ambition is to become the reference platform for regulatory intelligence in Europe — a space where institutions, supervisors, and professionals interact with regulation as structured, actionable data. The next milestones include expanding internationally, deepening integration of internal policies and processes, and enhancing AI capabilities to meet the highest standards of trust and auditability.
By 2030, he envisions compliance evolving into a real-time, AI-assisted discipline: adaptive, predictive, and embedded across business processes. Legal data will no longer sit in PDFs or silos, but flow seamlessly through decision-making systems. Aptus.AI’s role, he concludes, is to enable that transformation — turning regulation from an obstacle into an engine for innovation, competitiveness, and sustainable growth in European finance.