KYB end-to-end: business verification with beneficial ownership
Channel: Evolve · Duration: 12:07 · Published: January 29, 2026 · 9,148 views
If you're onboarding businesses — sellers on a marketplace, B2B customers, or any platform that touches commerce — you need KYB. This walkthrough covers the full hosted flow, the API path, beneficial-ownership data collection (including trusts and complex structures), sanctions screening, and how the manual review queue handles edge cases.
Chapters
- 0:00 — KYB vs KYC: when you need each
- 1:30 — The hosted flow (what your sellers see)
- 4:18 — Beneficial-ownership: the 25% rule, layered structures, trusts
- 7:05 — Sanctions screening: OFAC, UN, EU, UK HMT, PEP, adverse media
- 9:40 — Manual review queue: when it triggers and how to clear it
- 11:10 — Re-verification: triggers, schedule, ongoing monitoring
Transcript highlights
"…beneficial-ownership is the part most teams underestimate. The 25% threshold sounds simple — list everyone with ≥25% ownership — until you hit a holding company that owns 100% of one entity but is itself owned by three trusts and a family office. We have a 'complex structure' flow for that, and it's worth using rather than fighting the simple flow…"
"…adverse media is opt-in for a reason. The false-positive rate is non-trivial; treating every match as a rejection will lock out legitimate businesses. Most teams treat adverse media as a manual-review trigger, not an automatic decline…"