The global interbank standard for identity and IBAN reliability
With $42 billion in reported losses due to fraud and 47% of companies worldwide experiencing attacks, the need for trusted data has never been higher. SEPAmail DIAMOND®, created and powered by StreamMind, is the only market solution that stops fraud at the source by verifying bank details directly within bank account databases
Heritage and innovation: the core of the interbank network
Unlike secondary contributory models that rely on volatile payment histories, DIAMOND offers a level of reliability that only a direct banking link can provide. As the historic technical provider of the entire SEPAmail infrastructure, StreamMind has engineered this "Direct Identity Abstraction Management Online Next Day" system to act as a certified bridge between creditors and debtors.
This Deeptech foundation ensures that every verification is performed against official bank records, currently protecting 95% of all bank accounts in France through millions of securely exchanged flows.
Beyond simple IBAN checks: a strategic shield
DIAMOND is not merely a tool for validation; it is a sophisticated defense mechanism designed to counter complex modern threats. It provides a robust shield against IBAN fraud, "Fake President" scams, and the growing sophistication of identity theft and Deep Fake attacks. By replacing manual, error-prone verification methods with an industrialized, high-performance process, organizations can significantly reduce administrative overhead while ensuring total regulatory compliance.
It is truly a solution "created by the bank, for the bank," and specifically for the customers who require an uncompromising answer to fraud.
Verified ownership in Real-Time:
Access the most reliable source of truth—the banks themselves. DIAMOND instantly confirms if an IBAN belongs to the right person or company, preventing identity theft and "fake supplier" fraud.
Seamless interbank connectivity:
Built on the robust SEPAmail network created by StreamMind, DIAMOND connects 239+ banks and payment service providers through a single, agnostic, and highly secure interface.
Industrial efficiency & compliance:
Automate thousands of checks simultaneously with a solution designed for high-volume processing. DIAMOND is fully compliant with European regulatory standards and the EPC’s Rulebook.
StreamMind
A universal solution for every major economic player
Banks & financial institutions:
For financial institutions, it offers a high-value, marketable service that drastically reduces rejection rates for SEPA Credit Transfers and Direct Debits.
Corporates & SMEs:
For major corporations—from utilities and energy providers to global retailers—it secures the entire supply chain and procurement process across B2B and B2C relationships.
Public administrations:
Prevent fraud in social benefit payments and tax collection.
Marketplaces:
Even digital marketplaces can leverage this technology to ensure the seamless and secure onboarding of users through certified bank detail verification.
Key benefits
The future awaits
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