KYB Compliance Module

The Know Your Business (KYB) module provides automated company due diligence reports by combining public registry lookups, sanctions screening, regulatory status checks, and adverse media analysis into a single structured report. Each report costs 3 credits.

How It Works

Input

To generate a KYB report, provide:

• Company Name (required) — Legal name of the entity
• Company Number (optional) — Registration number for exact lookup
• Country — Jurisdiction of incorporation

Analysis Steps

Step 1 — Company Lookup

The platform searches public company registries:

• Companies House API (UK) — Direct lookup by company name or number, returning registration details, incorporation date, status, registered address, and filing history
• OpenCorporates API (global) — Fallback for non-UK jurisdictions, covering 140+ company registries worldwide

Returns: company name, registration number, incorporation date, current status, registered address, directors, and shareholders.

Step 2 — Risk Flag Generation

Automatic risk flags are generated based on:

| Check | Flag Severity | Condition | |---|---|---| | Sanctioned jurisdiction | CRITICAL | Registered in Iran, North Korea, Syria, Cuba, Russia, or Belarus | | Company dissolved/suspended | HIGH | Status is DISSOLVED, SUSPENDED, or INACTIVE | | Not found in registry | MEDIUM | Company not found in any public company registry | | Recently incorporated | LOW | Less than 12 months since incorporation |

Step 3 — Sanctions & Regulatory Screening

Cross-references against Oracle PostgreSQL databases:

• screening_entities (7.5M records) — Checks SANCTIONS and DEBARMENT type entries
• regulated_entities — Checks for WITHDRAWN or SUSPENDED regulatory authorization

Each hit generates a CRITICAL or HIGH severity flag with source attribution.

Step 4 — Adverse Media Analysis

Automated web search using the multi-source engine:

• Brave Search, DuckDuckGo, and GDELT are queried simultaneously
• Articles are filtered for critical keywords: fraud, money laundering, sanctions, arrest, indictment, terrorism, ponzi, scam
• Threshold: 3+ critical articles → CRITICAL adverse media flag

Report Contents

A completed KYB report includes:

1. Company Profile — Name, registration number, jurisdiction, incorporation date, status, registered address
2. Officers & Directors — List of current and former company officers with appointment dates
3. Shareholders / PSC — Persons with Significant Control and significant shareholders
4. Risk Flags — Categorized findings with severity, category, description, and evidence
5. Sanctions Screening Results — Any matches against global sanctions databases
6. Regulatory Status — Current authorization status and any flags
7. Adverse Media Summary — Relevant articles with severity classification
8. Overall Risk Assessment — Aggregated risk score with recommendation

Data Sources

Regulator Databases (40+ Sources)

The KYB module incorporates data from major financial regulators worldwide:

| Region | Regulators | |---|---| | Middle East | VARA (Dubai), DFSA (DIFC), ADGM (Abu Dhabi) | | Asia Pacific | MAS (Singapore), JFSA (Japan), SFC (Hong Kong — 97K+ entities) | | Europe | FCA (UK), BaFin (Germany), FINMA (Switzerland) | | Americas | SEC (US), FinCEN (US) |

OFAC 50% Rule

The module applies the OFAC 50% Rule — entities that are 50% or more owned by sanctioned persons are themselves treated as sanctioned, even if not explicitly listed. The platform includes 5,820 derived entities from OFAC's SDN Advanced XML data that are subject to this rule.

Pricing

Each KYB report costs 3 credits. Credits are deducted at the time of report generation. If your account has insufficient credits, the report request will return an error showing creditsRequired and creditsAvailable.

Credits can be purchased from Dashboard > Payments or via the public Pricing page.

API Access

KYB reports can also be generated via the REST API. See the API Reference for request format and response schema.