Harbour Trade Ltd
2 discrepancies
72% complete
AI-powered · Built for corporates and SMEs
Tell your story once.
Share it precisely.
BCPASS uses AI to read your description and documents and turn them into a verified company profile — then lets you share exactly what you choose with any bank, partner, or institution, whenever KYC comes up.
Open accounts or relationships with several banks and you'll usually answer the same questions each time. BCPASS means you answer them once — then decide who sees what.
Verified profile
BCPASS
Harbour Trade Ltd
PASS·7F3K·2QXR
Standard Pass
Sample Pass — what a bank, partner, or institution receives when you share.
Why BCPASS
Four banks shouldn't mean four KYC exercises.
Today
The same pack, again and again
Every new bank or institution asks for the same documents and explanations, each in its own format.
With BCPASS
One verified profile, shared your way
Build your profile once, then share a Pass at the level of detail each recipient needs.
How it works
From conversation to verified profile, in four steps.
01
Tell us about your business
Describe your business in your own words and our AI asks the right questions, building a structured profile as you go — no blank forms to stare at.
02
Upload your documents
Our AI works out what each document is and pulls out the relevant details. You don't need to label anything yourself.
03
Review your diagram and summary
See your ownership structure, suppliers, and customers mapped out clearly, with anything worth a second look flagged plainly — nothing hidden in a document.
04
Share your Pass
Choose exactly what a bank, partner, or institution sees — one link and QR code per company, five levels of detail, changeable any time.
Beyond your next bank account
Built for more than lending.
As BCPASS grows, your verified profile will be able to work harder for you — helping match your business with the right providers not just for loans, but FX, trade finance, cards, merchant and POS services, and more.
Lending
FX
Trade finance
Cards
Merchant and POS
AI
Understands your business
Your AI-built profile already holds the detail a bank or partner needs — no re-explaining your business from scratch.
Diagram
Shows your structure
Ownership, suppliers, and customers, mapped visually — so anyone reviewing your profile understands it fast.
Pass
Shares on your terms
One Pass, several levels of detail, shared with a bank, partner, or institution — you're always in control.
Your information stays yours
You decide what's shared, and with whom.
A Pass gives a recipient a verified starting point — it never replaces their own due diligence, and it's never shared without your say-so.
- You choose what's shared, at your own pace — nothing goes out until you decide to share it
- Every bank, partner, or institution you share with still runs its own checks — a Pass gives them a head start, not a shortcut
- Revoke access, change the level of detail, or set an expiry, any time
- Two-factor authentication is required on every account, and colleagues sign in separately — nothing is shared by default
Ready to stop repeating yourself?
About BCPASS
Built for the business,
not just the bank.
BCPASS started from a simple observation: when a growing company needs to open accounts or build relationships with several banks or financial institutions, it ends up doing the same KYC exercise over and over — the same documents, the same questions, the same explanations, once per institution.
We built BCPASS to make that a one-time exercise. Our AI helps you build a verified, structured profile of your business once — then you decide who sees what, and when.
We work with corporates and SMEs who are opening new banking relationships, raising financing, or simply trying to keep their own company records organized and current. Behind the Pass you share is a platform we hope your business keeps coming back to on its own terms — a place to see your own structure clearly, keep your profile current, and better understand your own financial position, not just something you open when a bank asks for it.
What we believe
01
You should only tell your story once
Repeating the same KYC exercise for every institution wastes your time and theirs. One verified profile should travel with you.
02
Sharing isn't skipping
A Pass gives a bank, partner, or institution a verified head start — it's never a substitute for their own checks, and we don't build it to be one.
03
AI should do the busywork, not the judgment calls
Our AI structures, extracts, and flags — it never guesses a fact you haven't told it or a document hasn't shown. You stay the authority on your own business.
Want to see it for yourself?
Our services
Everything you need to
tell your story once.
From your first conversation with our AI to the moment you share a Pass, here's what BCPASS actually does.
Build your profile by describing your business
Our AI guides you through your company overview, business activity, ownership and structure, funding sources, business history, and current and future plans — asking follow-up questions where something's missing, rather than handing you a blank form.
Upload documents, and let AI do the sorting
Add financial statements, registry documents, bank letters, and more. Our AI works out what each one is and extracts the relevant detail — you don't need to tell us what anything is, or retype it by hand.
See your business clearly
A generated business diagram maps your ownership, directors, suppliers, and customers. A plain-language summary and a readiness check flag anything worth a second look, before you ever share it with anyone.
Share exactly what's needed
Your Pass has five levels of detail, from a brief introduction through to your full documents. Pick a level for each bank, partner, or institution you share with, and change it any time — one link and QR code per company.
Looking ahead: matching, beyond lending
We're building on your verified profile to help match your business with the right providers — not just for loans, but FX, trade finance, cards, merchant and POS services, and more. This is on our roadmap, not yet live.
Curious how the AI actually works?
How AI is embedded
AI does the paperwork.
You stay the authority.
We use AI throughout BCPASS — always in service of getting your business represented accurately, never to replace your own review of it.
Conversation
Turning what you say into structure
When you describe your business in your own words, AI organizes what you say into a structured profile, asking follow-up questions where something's missing.
Documents
Reading what you upload
AI works out what each document is and pulls out the relevant detail, so you don't have to label or retype anything yourself.
Diagram
Mapping your structure
AI turns your ownership, directors, suppliers, and customers into a diagram, connecting the pieces so it's easy for anyone to follow.
Review
Checking for gaps, not guessing
Our AI is built to flag what looks inconsistent or incomplete and ask you about it — never to invent a detail you haven't told us or a document hasn't shown.
Context
Adding context, always sourced
Where it's useful, AI adds general market or industry context — always clearly labeled as research, never presented as a fact about your business.
You
You review everything
Every AI-generated summary, diagram, and flag is something you — and whoever you share it with — can review before it's relied on. AI drafts; you decide.
Our standing rule
Never guess, never invent. If our AI isn't sure about something, it says so — it doesn't fill the gap with a detail that merely sounds right.
See it in your own business.
Privacy
You decide what's
shared, and with whom.
Here's how BCPASS is designed to handle your information.
Your Pass, your control
- Nothing is shared until you choose to share it — building your profile doesn't send anything to anyone
- Your Pass has five levels of detail; you choose the level for each bank, partner, or institution you share with
- One link and QR code per company — raise or lower the level, set an expiry, or turn it off, any time
- You can see exactly what a recipient will see before you share it
Sharing isn't skipping
- Every bank, partner, or institution you share a Pass with still runs its own checks — a Pass gives them a verified starting point, not a shortcut around their own process
- Full company name, documents, and director details stay hidden until a recipient accepts your interest
- Any AI-added research or context is clearly labeled as such, never presented as a fact about your business or your counterparties
Your account is protected
- Two-factor authentication is required on every account
- One login can hold profiles for several companies
- Each colleague signs in separately — nothing is shared between accounts by default
What we ask for, and why
- We ask for the information a bank or partner would typically need for KYC — nothing beyond that
- Documents you upload are used to build and verify your profile, not for any other purpose
- You can pause, revise, or delete a company profile from your dashboard
This page describes how BCPASS is designed to work today, during our UK & Hong Kong pilot. It's a plain-language description of our approach, not a substitute for formal legal terms — we'll publish those as we move toward general availability.
Questions about your data?
Your business, verified once
Tell us once.
Share it precisely.
BCPASS uses AI to read your description and documents and turn them into a verified company profile — then lets you share exactly what you choose with any bank, partner, or institution.
New to BCPASS? Create an account →
One login can hold profiles for several companies. Each colleague signs in separately — nothing is shared by default.
Two-factor authentication required on every account
Your business, verified once
Create your
BCPASS account.
One login can hold profiles for several companies. You'll set up two-factor authentication right after this — it's required on every account.
Already have an account? Sign in →
One more step
Set up two-factor
authentication.
Scan this code with an authenticator app (Google Authenticator, 1Password, Authy), then enter the 6-digit code it shows to finish setting up your account.
Verify it's you
Enter your
authentication code.
Open your authenticator app and enter the current 6-digit code for BCPASS.
Can't sign in?
Reset your
password.
Enter the work email you signed up with and we'll send you a link to choose a new password.
Remembered it? Back to sign in →
For your security, you'll be asked for your two-factor code before the new password is accepted.
Almost done
Choose a
new password.
Pick a password you haven't used for BCPASS before. At least 8 characters.
mei.chan@harbourtrade.co
Your companies
Harbour Trade HK
Ready to share
100% complete
Meridian Freight Co
Draft
18% complete
New company profile
Build your company profile
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Early draft
Same profile either way. Switch whenever you like.
New company profile
Upload supporting documents
Optional — we already verify your company registration automatically. The more you share, the stronger and faster your pass will be. You don't need to tell us what each document is; our AI works that out once it's uploaded.
Company profile
Your summary
Generating your summary — this can take a minute…
Company profile
Your Pass
Create a separate pass for each person or institution you share with. Every pass has its own QR code, its own level of detail, and its own expiry — so you stay in control of exactly who sees what, and can switch any one of them off without touching the others. They'll still run their own checks — this just means they're not starting from zero.
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Company profile
Your matches
We compare your company profile with what banks and finance providers say they look for, and show who looks like a good fit. It saves you from approaching institutions that were never going to be right for you.
Comprehensive matching Coming soon
Want to go deeper on any institution? The comprehensive version will add:
- Details about the institution and whether it's a verified BCPASS partner
- An estimate of the kind of product and amount you could be eligible for
- Potential savings or benefit compared with what you use today
- How each match was worked out, point by point
Match percentages are an estimate of how closely your profile fits each institution's published criteria. They are not a prediction that an application will be approved, and they are not financial advice. Institutions make their own decisions, and the information we hold about them comes from public sources, so it may be incomplete or out of date.
Harbour Trade HK
Book a conversation
Who would you like to speak with?
Pick a time — Thursday, 10 September
Viewing as · Prosper Bank, SME Trade Desk
Incoming pass
EntityHarbour Trade — Hong Kong entity ●●●●
SectorTrading & logistics
Trading since2016
Revenue bandHK$30M–50M
Employees15–25
Looking forMulti-currency FX & payments facility across 7 currencies
Verification statusFully verified · 0 open flags
Documents on fileFinancials, bank statements, invoices — available on request
Full company name, documents, and director details unlock once the client accepts your interest.