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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
  3. Can discover the ownership structure automatically from official business registers, instead of asking the applicant to declare it
  4. Tracks moderation and PEP / sanctions statuses through the case lifecycle
  5. Records an audit trail of submissions, document requests, and review actions
  6. Can run the agentic review engine to draft findings 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 shared KYB result, 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

How it differs from KYC​

KYCKYB
SubjectNatural personLegal entity + related people
Primary evidenceID document, liveness, PoARegistry, ownership, corporate docs
Typical outcomeFlow result for an individualBusiness case with multi-party data
IntegrationFlow steps + webhooksDashboard, API, and data.kyb webhooks (see KYB guide)

Statuses to know​

Moderation moves through ACQUIRING → ENRICHING → PENDING_MODERATION / REVIEW_REQUIRED → SUCCESS or FAILED. PEP & sanctions use PENDING, IN_PROGRESS, REVIEW, SUCCESS, FAILED. ENRICHING is visible on API reads only — webhooks report it as PENDING_MODERATION. Details: Statuses and codes.

Configure and operate​

→ KYB guide · Agentic review engine