KYB overview

Introduction to Know Your Business (KYB)

VOVE ID's KYB (Know Your Business) solution enables you to verify the identity and legitimacy of business entities as part of your compliance and onboarding process. The KYB integration allows you to collect and verify business information, documents, and Ultimate Beneficial Owners (UBOs) through a seamless workflow.

What is KYB?

KYB is the business equivalent of KYC (Know Your Customer). It's a compliance process that verifies the identity of a business entity, its ownership structure, and the individuals who ultimately own or control the business (UBOs). This is essential for:

• Anti-Money Laundering (AML) compliance

• Risk assessment and due diligence

• Regulatory compliance (varies by jurisdiction)

• Fraud prevention

• Building trust with legitimate businesses

Key Features

Business Verification

• Automated business search and verification using external data providers

• Support for multiple countries and jurisdictions

• Business registry data validation

• Document collection and verification

Document Management

• Upload and store business documents (registration certificates, licenses, etc.)

• AI-powered document analysis and data extraction

• Support for various document types

UBO Management

• Invite and verify Ultimate Beneficial Owners

• Individual KYC verification for each UBO

• Track UBO verification status

• Support for multiple UBOs per business

Website Analysis (Optional)

• Automated website verification and analysis

• Domain ownership verification

• Business activity validation

• Risk assessment based on online presence

KYB Flow Architecture

The KYB verification process follows a structured 6-step workflow:

Step 1: Create KYB Case

Your Backend

Call the KYB API to create a new verification case:

POST /kyb/case

Returns:

• Verification token (valid 24 hours)

• Case ID and details

Step 2: Share Verification Link

Your Application

Construct and send the verification link to your business customer:

https://web.voveid.net/kyb?authToken={token}&publicKey={publicKey}&environment=Sandbox

Send via email, SMS, or display directly in your application.

Step 3: Business Customer Completes Verification

Business Portal (Customer-Facing)

The business customer accesses the portal and completes:

Step	Description
📄 Upload Documents	Business registration certificates, licenses, etc.
📝 Fill Business Form	Registration number, address, industry, etc.
🔍 Business Search	Verify business in official registries
👥 Invite UBOs	Add Ultimate Beneficial Owners for individual verification
✅ Submit Case	Submit completed case for VOVE ID review

Status progresses: NOT_STARTED → IN_PROGRESS

Step 4: Review the Case in the Dashboard

VOVE ID Dashboard

Once the applicant submits the case, an authorized reviewer must open KYB Cases in the dashboard and review:

• Submitted business information and registry evidence

• Uploaded documents

• UBO verification results

• AML screening summaries

• Flags, website analysis, and case history when present

The reviewer records the appropriate approval, rejection, or reopen action in the dashboard.

Submission changes the status from IN_PROGRESS to IN_REVIEW. The case remains in review until the dashboard review is completed.

Step 5: Receive Webhook Notifications

Your Backend

Real-time webhook events keep you informed:

{
  "kyb.case.in_progress": "Business started the hosted KYB flow",
  "kyb.case.in_review": "Case submitted and awaiting review",
  "kyb.case.completed": "Verification approved",
  "kyb.case.rejected": "Verification rejected"
}

Step 6: Retrieve Case Details

Your Backend

Retrieve the public case details contract for the completed or in-progress case:

GET /kyb/case/{refId}/details

Use the case details response to inspect the submitted business information, documents, UBOs, AML screening summaries, and any available website analysis.

Final statuses to watch for:

• COMPLETED - Business verified and approved

• REJECTED - Verification failed (see rejection reasons)

Case Status Lifecycle

A KYB case progresses through the following statuses:

• NOT_STARTED: Case created, business has not yet accessed the verification portal

• IN_PROGRESS: Business is actively completing the verification steps

• IN_REVIEW: Business has submitted the case for review by VOVE ID

• COMPLETED: Verification approved, business is verified

• REJECTED: Verification rejected due to compliance or data issues

KYB Flows

KYB flows are country-specific configurations that define:

• Required verification steps for businesses in that jurisdiction

• Required documents to collect

• KYC flow to use for UBO verification

• Optional steps like additional document upload

Each organization can create custom KYB flows tailored to their compliance requirements and the jurisdictions they operate in.

To discover the flow IDs available to your organization, use:

• GET /kyb/flows to list all available KYB flows

The list contains country-specific flows. There is no default KYB flow. Pass a flow when the case must use a specific country configuration, or omit it to let the applicant choose the business country in the hosted journey.

See KYB Flows for request and response examples.

API Environments

Sandbox: https://api.voveid.net

Production: https://api.voveid.com

Authentication

All KYB API requests require authentication using your API key in the request header:

x-api-key: YOUR_API_KEY

Security Note: Never expose your API key in client-side code. All KYB case creation and management operations should be performed on your backend server.

Getting Started

To integrate KYB into your application:

1. Choose the country experience: Select a country-specific flow when required, or let the applicant choose the business country

2. Create KYB Case: When a business needs verification, create a case via your backend

3. Share Verification Link: Provide the verification link to the business customer

4. Set Up Webhooks: Configure webhook endpoints to receive real-time status updates

5. Retrieve Case Details: Access the public case details contract and make business decisions

Next Steps

• KYB Flows - Discover available KYB flow IDs for your organization

• Create a KYB Case - Learn how to create cases and generate verification links

• KYB Case Details - Retrieve the public KYB case details contract

• KYB Webhooks - Set up webhooks to receive verification updates