Capital.com Selects Duco to Automate Payment Reconciliations and Scale Operations

In a strategic move to fortify its operational infrastructure and support rapid international growth, Capital.com, a global online trading platform, has partnered with Duco, a leading provider of AI-powered data automation and reconciliation technology, to modernise and automate payment and client reconciliation processes at scale.

The collaboration underscores how fintech and trading platforms are increasingly turning to next-generation automation tools to tackle the complexities of multi-jurisdictional operations, diverse payment flows, and evolving regulatory requirements. Capital.com’s adoption of Duco’s platform is a key part of its broader strategy to enhance operational efficiency, improve control frameworks, and support its continued expansion across markets.

Why Automation Is Critical for Reconciliation in FinTech

Reconciliation — the process of matching and verifying transaction and account data between different systems — is foundational for any financial services or trading platform. It ensures that payment receipts, client balances, ledger entries, and operational records are accurate and consistent. However, as companies scale globally and incorporate a wider range of payment methods, currencies, and counterparties, the volume and complexity of reconciliation tasks grow exponentially.

For platforms like Capital.com that process thousands of transactions per day across multiple geographies and partners, manual reconciliation can be slow, error-prone, and costly, especially under tightening regulatory scrutiny. The result? Operational risk increases, audit trails become harder to maintain, and finance teams spend a disproportionate amount of time resolving exceptions rather than driving strategic value.

Automation is no longer a luxury — it’s a necessity. By leveraging AI-powered reconciliation tools, firms can reduce human error, accelerate processing times, increase accuracy, and achieve greater auditability. These capabilities are vital where compliance and data integrity are key competitive differentiators.

How Duco’s Platform Works

Duco’s platform uses AI-enhanced automation and no-code configuration to ingest, normalise, match and validate vast and diverse datasets from payment feeds, trading systems, client accounts and back-office records. It dynamically reconciles transactions, highlights discrepancies, and enables rapid resolution — all while providing real-time visibility and audit trails that support compliance and reporting.

Key features of Duco’s technology include:

• AI-driven data ingestion and transformation: Extracts and normalises data from disparate sources without complex custom coding.
• Automated matching and exception handling: Identifies matches and mismatches based on business logic and machine learning rules, reducing manual effort substantially.
• Scalable orchestration: Processes complex reconcilations across markets, asset types and payment channels while ensuring end-to-end control.
• Comprehensive auditability: Creates robust audit logs and traceability, improving transparency and easing regulatory reviews.

This data-centric automation layers automation into the heart of financial operations, enabling firms to focus on higher-value strategic activities.

Capital.com’s Strategic Motivation

As Capital.com continues to expand internationally and diversify its product suite, the firm faces escalating operational demands — from reconciling payments across different currencies to ensuring client ledger accuracy across multiple platforms and regulatory boundaries.

According to Rupert Osborne, Chief Executive Officer of Capital.com UK, establishing a strong, automated reconciliation capability that can scale and adapt to varying regional and operational requirements is “vital” for growing its global footprint. Duco’s AI-powered platform was selected as a “flexible, forward-looking partner” capable of meeting these evolving needs now and into the future.

This partnership aligns with a broader industry trend in fintech and trading services, where firms are standardising and automating core control functions to manage complexity, improve operational resilience and support strategic growth.

What the Duco Partnership Means for Capital.com

1. Stronger Controls and Risk Mitigation

With automation, Capital.com can significantly reduce the risk of manual errors, mismatches, and delayed reconciliation — all of which can trigger compliance violations or financial inaccuracies. Real-time reconciliation capability enhances transparency and control over client funds and payments.

2. Operational Efficiency at Scale

By shifting repetitive reconciliation workflows to an automated system, finance and operations teams can focus on exception resolution and strategic activities — improving productivity while shortening cycle times for month-end close and client reporting.

3. Better Audit Readiness and Compliance Visibility

Duco’s platform provides comprehensive audit logs and historical records that support internal governance and external regulatory reviews. This level of visibility is important for multi-jurisdictional firms operating in tightly regulated markets.

4. Support for Global Growth

Automated reconciliation systems make it easier to integrate new payment methods, partners and markets into Capital.com’s operational ecosystem. This flexibility supports rapid market entry and product expansion.

Emerging Trend: AI-Driven Operational Automation in FinTech

Capital.com’s move reflects a broader industry shift. Fintech platforms, capital markets firms, and trading venues are increasingly adopting AI and data automation tools to streamline operational tasks such as reconciliation, settlement matching and compliance reporting. These solutions help organisations standardise processes that were historically manual and siloed.

This trend is growing as firms face:

• Increasing data volumes from diversified products and payment flows
• Greater regulatory expectations for auditability and controls
• The need for real-time operational visibility
• The requirement to integrate disparate legacy systems with modern digital platforms

Automation tools like Duco’s not only handle high volumes of reconciliation tasks but also evolve with the organisation, incorporating machine learning to refine matching criteria and exception rules over time.

Industry Impact and Competitive Landscape

The deployment of automated reconciliation solutions is part of a larger wave of operational tech transformation in fintech. Traditionally, reconciliation was performed via spreadsheets or disparate specialist tools that lacked scalability and transparency. Modern platforms like Duco’s replace these outdated methods with cloud-native, AI-centric workflows that support complex datasets and audit controls.

For competitors and peers in the online trading and fintech space, adopting similar technologies is becoming essential to maintain efficiency and compliance as regulatory frameworks tighten and customer expectations rise.

Challenges and Considerations

While automation offers many benefits, implementing a reconciliation platform requires careful planning:

• Integration with legacy systems: Data flows must be consolidated from multiple sources without disrupting live operations.
• Rule configuration: Matching and exception logic must be correctly defined to ensure accurate results.
• Change management: Operations and finance teams need training and process adjustments to leverage new tools effectively.

However, organisations that address these challenges successfully can achieve significant operational gains and risk reduction — positioning them well for long-term growth.

Conclusion: A Strategic Step for Capital.com

Capital.com’s selection of Duco to automate payment reconciliation processes marks a strategic investment in operational excellence and scalable infrastructure. By harnessing AI-enhanced automation, the trading platform is strengthening controls, improving efficiency and ensuring robust support for its global ambitions.

As reconciliation continues to be a vital control function in financial services, implementing modern, scalable automation solutions is becoming a hallmark of sophisticated, growth-oriented firms that seek to balance regulatory compliance with operational agility.