KYB (Know Your Business)
Who really owns this company? — corporate identity verified through registries, documents, and ownership chains.
KYB (Know Your Business) is the corporate counterpart of KYC: the verification of business customers — their legal existence, registration status, ownership, and control — required of banks, payment providers, marketplaces, and increasingly any platform onboarding companies. The core questions are identity and beneficial ownership: is this entity what it claims (registered, active, at this address, in this line of business), and which natural persons ultimately own or control it — the UBO (ultimate beneficial owner) determination that AML regimes worldwide mandate, precisely because shell structures exist to obscure it.
The verification runs on documents and registries in tangled combination. Documents: certificates of incorporation, articles and bylaws, shareholder registers, ownership declarations, board resolutions, financial statements, licenses — arriving in every jurisdiction's format and language, and feeding document AI extraction for the entity names, registration numbers, officers, and shareholding percentages the file must establish. Registries: official company registers (quality and openness varying enormously by jurisdiction), beneficial-ownership registers where they exist, sanctions and watchlists — cross-checked against the documents, with discrepancies (the shareholder register disagreeing with the registry filing) being findings, not noise. The ownership chain is the analytical heart: percentages traced through layered holding companies across jurisdictions until natural persons emerge — an entity-resolution and graph problem (the knowledge-graph machinery applies directly), with thresholds (typically 25%, lower for higher risk) determining who must be identified and then KYC'd as individuals.
Automation reshapes the economics of a process that manually takes days per corporate customer: document extraction and registry APIs assemble the file in minutes, ownership graphs compute and visualize the chains, screening runs across every resolved entity and person, and analysts concentrate on what machines flag — the opaque layer, the circular structure, the nominee pattern. Ongoing monitoring completes it: ownership changes, and a KYB file correct at onboarding decays silently unless registry watches and periodic refresh keep it current.
Prove who you are before the account opens — the document-heavy front door of regulated finance.
Follow the money — the regulatory regime that makes banks read mountains of documents to prove their customers' money is clean.
From pages to a web of facts — entities and relationships lifted out of documents and linked.
Proof Perimeter runs document AI inside your own perimeter — with a provenance record on every field.
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