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Business verification (KYB)

KYB verifies a company rather than an individual: registry data, ownership (UBOs), directors, documents, and screening, with an optional agentic review path for scale.

What it does​

  1. Collects business identity and structure (legal entity, addresses, key people)
  2. Cross-checks sources and uploaded evidence against official company registers in 49 countries and territories and every US state
  3. Can discover the ownership structure automatically from official business registers, instead of asking the applicant to declare it
  4. Handles every submission as a KYB case that tracks what was checked, what is still owed and by whom, the risk rating, and the decision
  5. Decides cases under your organization's compliance policy: who may approve at each risk rating, when a second signature is needed, and how screening matches are treated
  6. Records an audit trail of submissions, requests, verdicts, exceptions, and decisions
  7. Can run the agentic review engine to review cases under policy guards

How a KYB flow is built​

A KYB flow is an anchor step that collects business information, plus optional satellite steps for company documents, beneficial owners, and directors. They all write into one KYB case, so a reviewer sees a single case however many parts the applicant walked through. A flow can also be a single anchor that collects business information and nothing else.

Which parts the applicant actually walks depends on configuration: with ownership discovery on, the owner and director parts are skipped entirely and Zyphe resolves those people from the registers, falling back to asking the applicant only when it cannot.

→ KYB steps and configuration · Ownership discovery · Country coverage

How it differs from KYC​

KYCKYB
SubjectNatural personLegal entity + related people
Primary evidenceID document, liveness, PoARegistry, ownership, corporate docs
Typical outcomeFlow result for an individualA KYB case, decided by a reviewer
IntegrationFlow steps + webhooksDashboard, API, and data.kybCase webhooks (see KYB guide)

Statuses to know​

A case moves through OPEN (the applicant is filling in the flow) → PROCESSING (checks running) → WAITING_INPUT or ACTION_REQUIRED when the applicant or a person owes something → READY_FOR_REVIEW → APPROVED or REJECTED, or CANCELLED. Clean companies are not approved automatically: a reviewer, or the KYB agent in Auto-pilot, decides. A decided case can be reopened by a resubmission, a quality review, or a periodic re-review. Details: Statuses and codes.

Configure and operate​

→ KYB guide · Reviewing KYB cases · Compliance policy · Agentic review engine