# KYB (Know Your Business)

KYB is the business verification procedure that covers company registration data, beneficial ownership, business activity, and reputation, using AI-based analysis of open sources.

## How KYB differs from KYC [#how-kyb-differs-from-kyc]

| Parameter | KYC | KYB |
|----------|-----|-----|
| Verification subject | Individual | Legal entity (business) |
| API keys | `kyc_live_*` / `kyc_test_*` | `kyb_live_*` / `kyb_test_*` |
| Base URL | `/tenant/v1/kyc/` | `/tenant/v1/kyb/` |
| Primary entity | Applicant | Business |
| Result | Identity verified | Business verified |

## Capabilities [#capabilities]

- **Automatic checks** on the business through AI analysis of open sources
- **Data extraction:** name, registration number, executive officer, beneficial owners, activity types
- **Risk assessment:** AI Confirmation Flag and Risk Score
- **Document upload:** company charter, registration certificate
- **Webhooks:** verification result notifications in real time

## Process architecture [#process-architecture]

1. The tenant creates a verification link through `POST /tenant/v1/kyb/verification-links`.
2. The end user goes through the KYB flow (entering company data, uploading documents).
3. The AI service runs the business check in the background (typical time — 2–3 minutes).
4. The tenant receives the result through the `kyb.business.verified` webhook or by polling `GET /tenant/v1/kyb/businesses/external/{id}`.

## Business lifecycle [#business-lifecycle]

```
[Created] → [In progress] → [Verified]
              ↓               ↓
         [Rejected]      [In review]
```

**Verification statuses:**

| Status | Description |
|--------|----------|
| `pending` | Business created, verification not yet complete |
| `verified` | Business passed the checks |
| `rejected` | Business rejected (failed the checks) |
| `review` | Business routed to manual review by an operator |

## AI Confirmation Flag [#ai-confirmation-flag]

The AI service analyses open sources (state company registries, sanctions lists, press releases, court databases) and returns:

- **`ai_confirmation_flag`** (`true`/`false`) — confirmation that the company exists and matches the provided data.
- **`risk_score`** (0–100) — risk score: higher values mean lower risk (mirrors the KYC verification scoring).

For the full result field reference, see [KYB API reference](/en/kyb/api-reference).

---

> **Note.** The KYB API is in beta. Endpoints and data formats may change. Track documentation updates.