KYB Solutions
KYB solutions that verify businesses without a data honeypot
KYB solutions are software platforms that verify a business customer is real, legally registered, and safe to onboard. They confirm registration data, map ownership down to the ultimate beneficial owners (UBOs), and screen the company and its owners against sanctions and PEP lists. Zyphe delivers all of this without storing the data in a central vendor database.
Trusted by those who trust no one.
From company name to UBOs, in your brand
Enter a company name and the registry does the rest. The ownership structure resolves layer by layer down to the ultimate beneficial owners, in a flow that carries your brand, with thresholds and traversal depth yours to configure.
- White-label: your logo, colors and domain
- Registry-sourced ownership, layer by layer
- UBO thresholds and traversal depth you control
Enterprise-grade business verification
Company records that Zyphe reviews on an ongoing basis
Global news sources checked for adverse media and sentiment
Monitored lists of global sanctions and Politically Exposed Persons
The honeypot problem: where your KYB data lives
KYB generates more sensitive data per customer than KYC. One business onboarding can involve incorporation documents, shareholder registers, director passports, UBO selfies, and proof-of-address files for five or ten individuals. Most KYB providers copy all of it into a central database and retain it for years. That concentration is a liability you inherit: if the vendor is breached, your customers' directors and UBOs are exposed, and your name is on the notification letter. Zyphe removes the target by sharding identity data across distributed storage nodes, with encryption keys held by the individual. Zyphe reports roughly 90% lower data-breach risk than centralized vendors.
UBO confirmed · J. Reeves
What KYB software actually does
Know Your Business is customer due diligence applied to companies instead of individuals. A modern KYB platform automates five steps that teams used to run manually across registries and spreadsheets. When you compare KYB providers, confirm every step is actually included: many only cover registration checks and screening.
Business Registration Checks
Confirm the entity exists, is active, and matches the name, number and address the applicant gave you, using official company registries.
Ownership Resolution
Unwrap the corporate structure, including parents, holding entities and trusts, until you reach the natural persons who own or control the business.
UBO Identity Verification
Verify each ultimate beneficial owner and director as a person, with government ID plus biometric liveness, the same rigor as KYC.
Sanctions and PEP Screening
Run the company and every resolved owner against sanctions, watchlists and PEP databases, at onboarding and continuously afterward.
Audit Trail
Record what was checked, when, against which source, and who approved it, so you can evidence the decision to a regulator later.
How Zyphe runs KYB
Registration checks, configurable UBO resolution, identity verification and screening in one API-first flow. Zyphe reports customers cut overall compliance overhead by up to 80% through automation and reusable credentials.
Send a company name or registration number via the dashboard or API. Zyphe's agents pull the registry record and collect any missing incorporation documents directly from the customer, in your branding.
Configurable UBO resolution walks the ownership tree to the natural persons, then verifies each owner using government IDs from 190+ countries with biometric liveness and deepfake mitigation. Individual verifications typically complete in under a minute, and owners who already hold a Zyphe KYC Passport re-verify in one click.
The entity and its owners are screened against sanctions, PEP and adverse media lists, and the whole trace lands in one decision-ready case file. After approval, every profile is re-screened every 24 hours.
No central database of UBO passports
Verified data is sharded across distributed storage with encryption keys held by the data subject, secured by verifiable credentials and zero-knowledge proofs. Your team keeps decision-ready case files and a complete, verifiable audit trail; nobody gets a central database of your customers' passports.
Better compliance in 190+ Countries
Banking Secrecy Act
Enforces strict record-keeping and reporting requirements for financial institutions to prevent money laundering and financial crimes in the United States.
Anti-money Laundering Act
Establishes measures and responsibilities for financial intermediaries in Switzerland to prevent money laundering and terrorist financing.
Proceeds of Crime
Canadian regulation requiring financial institutions to detect, prevent, and report suspicious transactions related to criminal proceeds.
Terrorist Financing Act
Legislation enforcing measures in Canada to detect, prevent, and report financial activities linked to terrorist financing.
Anti-money Laundering
Australian regulation mandating financial entities implement robust compliance measures to detect, prevent, and report money laundering activities.
Counter-Terrorism Financing Act
Australian law ensuring financial institutions identify, monitor, and report activities related to financing of terrorism to maintain national and global security.
Integrate in as little as 15 minutes
curl -X POST https://verify.zyphe.com/v1/login_sessions \
-H 'Authorization: Bearer <API_KEY>' \
-H 'Content-Type: application/json' \
-d '{"auth_type": "email"}'
Explore other AI compliance agents
Zyphe's KYC, KYB and AML agents run on the same privacy-first audit substrate and share the same case management, audit trail and decision logic.
Know Your Customer
Verify users seamlessly and securely
Verify users in 190+ countries with 99.8% document matching accuracy and reusable identity credentials that enable one-click onboarding for up to 70% higher completion rates.
Learn more →Anti-Money Laundering
Trusted AML protection, built for global regulations
AI-driven risk detection with decentralized security to screen threats in real time, leveraging global compliance frameworks that can slash 39% of compliance costs.
Learn more →Frequent Questions
KYC (Know Your Customer) verifies an individual person's identity. KYB (Know Your Business) verifies a company: its registration, legal status, ownership structure and the identities of its ultimate beneficial owners. In practice KYB contains KYC, because every resolved UBO and director must be verified as an individual. Read the full KYC vs KYB comparison
Any regulated business onboarding corporate customers: banks, fintechs, payment processors, crypto exchanges, marketplaces paying merchants, and lenders. In the U.S., FinCEN's Customer Due Diligence Rule requires beneficial-ownership identification for legal-entity customers even after the 2025 rollback of domestic BOI reporting; in the EU, the AML Regulation tightens equivalent obligations from July 2027. What is KYB? Read the glossary entry
Registry lookups and screening typically return in seconds to minutes. The bottleneck is UBO identity verification and complex ownership structures. With automated ownership traversal and sub-minute individual verifications, straightforward entities can clear the same day; multi-layer international structures may still need analyst review. See Zyphe's KYB verification flow
Deep enough to reach natural persons, not just the next holding company. The common threshold is 25% ownership or control, but the EU's AML Regulation sets the test at 25% or more from 2027 and allows lower thresholds for high-risk sectors, so choose a KYB solution with configurable traversal depth and thresholds. Explore UBO screening
Expect per-check pricing at low volume and committed tiers as you scale, with UBO identity verifications often billed per person. Total cost depends on jurisdiction mix, average owners per entity, and how much manual review the tool eliminates. Model your real entity profile, not the vendor's demo case. See Zyphe pricing
Yes. Privacy-first storage changes where verified data lives, not whether verification happened. Zyphe preserves complete, verifiable audit trails covering what was checked, when, against which sources, and the outcome, while the underlying documents stay sharded and encrypted under user-held keys instead of pooled in a vendor database. See how Zyphe stores verified data
Explore more Zyphe products
KYB verification software
that clears real businesses in minutes
KYB verification confirms a company's legitimacy, ownership and risk profile before onboarding. Zyphe automates registry checks, UBO resolution and screening in one flow.
Learn more →UBO Screening
that recurses until it finds the real owners
UBO screening software that recurses through holding companies until it reaches the natural persons in control. Effective ownership computed through the chain, every hop evidenced from official registries.
Learn more →Sanctions screening
that catches matches, not just names
Real-time sanctions and watchlist screening against 100K+ global lists, re-checked daily — on a privacy-first architecture that never builds a central PII honeypot.
Learn more →