> For the complete documentation index, see [llms.txt](https://finext.gitbook.io/one-kyc/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://finext.gitbook.io/one-kyc/kyb.md).

# KYB API

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

| 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

* **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

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

```
[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

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](/one-kyc/kyb/api-reference.md).

***

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