Introduction

The KYB Application Management service provides a complete lifecycle management solution for Know Your Business (KYB) verification applications. It enables businesses to submit, track, and manage corporate verification requests through a unified API interface.

The service supports two submission modes: a simplified form-based approach for straightforward integrations, and a structured payload approach for complex enterprise scenarios requiring detailed entity relationships. Once submitted, applications undergo comprehensive risk checks including Anti-Money Laundering (AML) screening, identity verification (IDV), company registry verification, beneficial ownership analysis, and payment card network checks (Mastercard MATCH / Visa VMSS).

Key capabilities include:

• Application Submission: Submit KYB applications with subject company details, related companies, and associated individuals
• Application Tracking: Query and paginate through submitted applications with filtering and sorting options
• Detailed Insights: Retrieve comprehensive application details including merged entity data from multiple sources
• Risk Check Monitoring: Monitor the status and results of all compliance checks performed on an application
• Document Management: Attach additional supporting documents to existing applications

Environments

• Please contact us to get official/test account.
• If your test/official server is in China, please request the service via VPN to avoid packet loss, service timeout and other problems.

Integration

There are 2 steps to integrate the KYB Application Management APIs.

1. Integrate Token Authorization API to obtain access token for subsequent APIs.

• Token Authentication API

2. Integrate the Application Management APIs to handle the full KYB application lifecycle.

• Submit Application (Form)

  Submit a KYB application using flat form data structure. Suitable for direct form submission or simple scenarios.

• Submit Application (Structured)

  Submit a KYB application using complete structured parameters. Supports complex nested objects for service-to-service integrations.

• List Applications

  Retrieve a paginated list of applications with filtering by status, date range, and application IDs.

• Get Application Detail

  Retrieve complete application details including subject company, related companies, and individuals with merged data.

• Get Application Risk Checks

  Retrieve all risk checks associated with an application including AML, IDV, registry, and card network checks.

• Add Application Document

  Attach additional supporting a document to an existing application.

• Upload Document

  Uploads a document file to the system.

• Download Document

  Retrieves the download URL and metadata for a previously uploaded document.

Application Lifecycle

flowchart LR

    A["Submit Application"]
    B["Risk Checks Processing"]
    C["Manual Review (if needed)"]

    D["APPROVED"]
    E["REJECTED"]

    A --> B --> C

    C -->|Pass| D
    C -->|Fail| E

    classDef approved fill:#d1fae5,stroke:#10b981,color:#065f46
    classDef rejected fill:#fee2e2,stroke:#ef4444,color:#991b1b

    class D approved
    class E rejected