Submit Business KYB

curl -X POST 'https://kyc.yativo.com/api/business-kyc/submit' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: kyb-acme-2026-001' \
  -d '{
    "customer_id": "d47f8a2b-1c3e-4f5a-9b8c-7d6e5f4a3b2c",
    "business_legal_name": "Acme Payments LLC",
    "business_trade_name": "Acme Pay",
    "business_description": "International payment processing for SMEs",
    "email": "compliance@acmepay.com",
    "business_type": "llc",
    "registration_number": "LLC-2018-00987",
    "incorporation_date": "2018-03-12",
    "tax_id": "47-1234567",
    "phone_calling_code": "+1",
    "phone_number": "3055551234",
    "primary_website": "https://acmepay.com",
    "registered_address": {
      "street_line_1": "100 Brickell Ave",
      "city": "Miami",
      "state": "FL",
      "postal_code": "33131",
      "country": "US"
    },
    "physical_address": {
      "street_line_1": "100 Brickell Ave",
      "city": "Miami",
      "state": "FL",
      "postal_code": "33131",
      "country": "US",
      "proof_of_address_file": "https://storage.yativo.com/documents/abc/lease.pdf"
    },
    "associated_persons": [
      {
        "first_name": "Jane",
        "last_name": "Doe",
        "birth_date": "1978-07-22",
        "nationality": "US",
        "email": "jane.doe@acmepay.com",
        "title": "CEO",
        "ownership_percentage": 60,
        "relationship_established_at": "2018-03-12",
        "residential_address": {
          "street_line_1": "456 Coral Way",
          "city": "Miami",
          "state": "FL",
          "postal_code": "33133",
          "country": "US"
        },
        "identifying_information": [
          {
            "type": "passport",
            "issuing_country": "US",
            "number": "P87654321",
            "date_issued": "2020-01-10",
            "expiration_date": "2030-01-10",
            "image_front_file": "https://storage.yativo.com/documents/abc/jane-passport.jpg"
          }
        ],
        "has_ownership": true,
        "has_control": true,
        "is_signer": true,
        "is_director": true
      }
    ],
    "account_purpose": "business_transactions",
    "source_of_funds": "business_income",
    "high_risk_activities": ["none_of_the_above"],
    "conducts_money_services": false,
    "regulated_activity": {},
    "documents": [
      {
        "purpose": "business_registration",
        "description": "Certificate of Incorporation",
        "file": "https://storage.yativo.com/documents/abc/certificate.pdf"
      },
      {
        "purpose": "tax_documents",
        "description": "EIN confirmation letter",
        "file": "https://storage.yativo.com/documents/abc/ein.pdf"
      }
    ]
  }'

const response = await fetch('https://kyc.yativo.com/api/business-kyc/submit', {
  method: 'POST',
  headers: {
    'Authorization': `Bearer ${token}`,
    'Content-Type': 'application/json',
    'Idempotency-Key': `kyb-${customerId}-001`,
  },
  body: JSON.stringify({
    customer_id: customerId,
    business_legal_name: 'Acme Payments LLC',
    business_trade_name: 'Acme Pay',
    business_description: 'International payment processing for SMEs',
    email: 'compliance@acmepay.com',
    business_type: 'llc',
    registration_number: 'LLC-2018-00987',
    incorporation_date: '2018-03-12',
    registered_address: {
      street_line_1: '100 Brickell Ave',
      city: 'Miami',
      state: 'FL',
      postal_code: '33131',
      country: 'US',
    },
    physical_address: {
      street_line_1: '100 Brickell Ave',
      city: 'Miami',
      state: 'FL',
      postal_code: '33131',
      country: 'US',
      proof_of_address_file: officeLeaseUrl,
    },
    associated_persons: [{
      first_name: 'Jane',
      last_name: 'Doe',
      birth_date: '1978-07-22',
      nationality: 'US',
      email: 'jane.doe@acmepay.com',
      title: 'CEO',
      ownership_percentage: 60,
      residential_address: {
        street_line_1: '456 Coral Way',
        city: 'Miami',
        state: 'FL',
        postal_code: '33133',
        country: 'US',
      },
      identifying_information: [{
        type: 'passport',
        issuing_country: 'US',
        number: 'P87654321',
        date_issued: '2020-01-10',
        expiration_date: '2030-01-10',
        image_front_file: passportUrl,
      }],
      has_ownership: true,
      has_control: true,
      is_signer: true,
      is_director: true,
    }],
    account_purpose: 'business_transactions',
    source_of_funds: 'business_income',
    high_risk_activities: ['none_of_the_above'],
    conducts_money_services: false,
    regulated_activity: {},
    documents: [{
      purpose: 'business_registration',
      description: 'Certificate of Incorporation',
      file: certUrl,
    }],
  }),
});

{
  "success": true,
  "message": "Business KYC submission received successfully",
  "business_data": {
    "customer_id": "d47f8a2b-1c3e-4f5a-9b8c-7d6e5f4a3b2c",
    "type": "business",
    "business_legal_name": "Acme Payments LLC",
    "status": "submitted",
    "created_at": "2026-06-01T10:00:00.000000Z"
  }
}

{
  "status": "failed",
  "status_code": 422,
  "message": "Request failed",
  "data": {
    "business_type": ["The selected business type is invalid."],
    "associated_persons": ["The associated persons field is required."],
    "high_risk_activities": ["The high risk activities field is required."],
    "documents": ["The documents field is required."]
  }
}

Submit KYB data for a business customer. The customer must already exist with customer_type: "business" (created via POST /customer). After submission the status will be "submitted" and will move to "approved" once review is complete.

This endpoint is hosted on the KYC platform at https://kyc.yativo.com, not the main API base URL. Include an Idempotency-Key header on every request.

POST https://kyc.yativo.com/api/business-kyc/submit

Business identity fields

string

required

The customer UUID returned by POST /customer. The customer must have been created with customer_type: "business".

string

required

The official registered legal name of the business. Max 255 characters.

string

required

Trade name or DBA (“doing business as”) name. Max 255 characters.

string

required

A description of what the business does. Max 1000 characters.

string

required

Business contact email address.

string

required

Legal structure of the business. One of: "cooperative", "corporation", "llc", "partnership", "sole_prop", "trust", "other".

string

required

Official government registration or incorporation number. Max 100 characters.

string

required

Date of incorporation in YYYY-MM-DD format. Must be before today.

string

Business tax identification number. Max 100 characters. Optional.

string

Country dial code for the business phone. Must match ^\+[1-9]\d{0,3}$, e.g. "+1", "+234".

string

Business phone number. Digits only, 7–15 characters.

string

Industry category of the business. Optional.

string

Business website URL. Must be a valid URL including scheme (e.g. "https://acme.com").

boolean

Whether the business is a Decentralised Autonomous Organisation.

string

How the business name appears on customer payment statements. Max 22 characters.

boolean

Whether the ownership structure includes material intermediary entities.

Addresses

Both registered_address and physical_address share the same field structure.

object

required

The official registered address of the business.

Show registered_address fields

string

required

Street address line 1. Max 255 characters.

string

Street address line 2. Optional.

string

required

City. Max 100 characters.

string

required

State or province. Accepts "US-CA" or "CA" — both are normalised.

string

required

Postal or ZIP code. Validated per country.

string

required

ISO 3166-1 alpha-2 country code.

string

Registered address proof document. Hosted URL or base64. Optional.

object

required

The physical operating address of the business. Must include proof_of_address_file.

Show physical_address fields

string

required

Street address line 1.

string

Street address line 2. Optional.

string

required

City.

string

required

State or province.

string

required

Postal or ZIP code.

string

required

ISO 3166-1 alpha-2 country code.

string

Physical address proof (e.g. office lease). Hosted URL or base64.

Associated persons

array

required

At least one person is required. Include all UBOs (Ultimate Beneficial Owners with ownership ≥ 25%), directors, and authorised signers.

Show associated_persons item fields

string

required

Person’s first name. Max 100 characters.

string

required

Person’s last name. Max 100 characters.

string

required

Date of birth in YYYY-MM-DD. Must be before today.

string

required

ISO 3166-1 alpha-2 country code.

string

required

Person’s email address.

string

Phone number. Optional.

string

Job title, e.g. "CEO", "Director". Optional.

number

required

Ownership percentage, 0–100.

string

Date the relationship with the business was established. YYYY-MM-DD, must not be in the future.

object

required

Person’s residential address. Same field structure as the business address above.

array

required

At least one ID document for this person.

Show identifying_information item fields

string

required

Document type (e.g. "passport", "national_id").

string

required

ISO 3166-1 alpha-2 country code.

string

required

Document number.

string

required

YYYY-MM-DD, before today.

string

required

YYYY-MM-DD, after today.

string

required

Front image. Hosted URL or base64. PDF/JPG/JPEG/PNG, max 5 MB.

string

Back image. Required for cards with a reverse side.

boolean

Whether this person has an ownership stake.

boolean

Whether this person has operational control.

boolean

Whether this person is an authorised signer.

boolean

Whether this person is a director.

Risk and purpose

string

required

Intended use of the account. One of: "business_transactions", "ecommerce_retail_payments", "operating_a_company", "investment_purposes", "charitable_donations", "receive_salary", "receive_payment_for_freelancing", "purchase_goods_and_services", "personal_or_living_expenses", "payments_to_friends_or_family_abroad", "protect_wealth", "other".

string

Required when account_purpose is "other".

string

required

Primary source of business funds. One of: "business_income", "company_funds", "salary", "savings", "investments_loans", "inheritance", "gifts", "government_benefits", "pension_retirement", "sale_of_assets_real_estate", "ecommerce_reseller", "gambling_proceeds", "someone_elses_funds".

array

required

List the high-risk activities the business is involved in. Use ["none_of_the_above"] if none apply. Accepted values: "adult_entertainment", "gambling", "hold_client_funds", "investment_services", "lending_banking", "marijuana_or_related_services", "money_services", "operate_foreign_exchange_virtual_currencies_brokerage_otc", "pharmaceuticals", "precious_metals_precious_stones_jewelry", "safe_deposit_box_rentals", "weapons_firearms_and_explosives", "none_of_the_above".

string

Required if any high-risk activities are listed. Explain the nature of those activities.

boolean

Whether the business conducts money services (e.g. remittance, currency exchange).

string

Required when conducts_money_services is true. Describe the money services.

string

Required when conducts_money_services is true. Describe compliance screening procedures.

string

Estimated annual revenue in USD. Optional free-text field.

number

Expected monthly payment volume in USD. Optional.

string

"yes" or "no". Whether the business operates in any prohibited jurisdictions.

integer

Ownership percentage threshold for UBO reporting. Accepted range: 5–25.

Regulated activity

object

Details about any regulated activities the business conducts. Optional — submit an empty object {} if not applicable.

Show regulated_activity fields

string

Description of regulated activities.

string

ISO 3166-1 alpha-2 country code of the regulator.

string

Name of the regulatory authority.

string

Regulatory licence number.

Business documents

array

required

At least one business document is required.

Show documents item fields

string

required

Document purpose. One of: "business_registration", "tax_documents", "compliance_documents", "financial_statements".

string

required

Human-readable description, e.g. "Certificate of Incorporation".

string

Hosted URL or base64-encoded document. Optional at submission time — can be provided via update.

Business-level identifying information (optional)

array

Optional business-level ID documents (e.g. business licence, regulatory certificate).

Show identifying_information item fields

string

Document type.

string

ISO 3166-1 alpha-2 country code.

string

Document number.

string

Description of the document.

string

YYYY-MM-DD, must be after today.

string

Front image. Hosted URL or base64.

string

Back image. Hosted URL or base64.

curl -X POST 'https://kyc.yativo.com/api/business-kyc/submit' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: kyb-acme-2026-001' \
  -d '{
    "customer_id": "d47f8a2b-1c3e-4f5a-9b8c-7d6e5f4a3b2c",
    "business_legal_name": "Acme Payments LLC",
    "business_trade_name": "Acme Pay",
    "business_description": "International payment processing for SMEs",
    "email": "compliance@acmepay.com",
    "business_type": "llc",
    "registration_number": "LLC-2018-00987",
    "incorporation_date": "2018-03-12",
    "tax_id": "47-1234567",
    "phone_calling_code": "+1",
    "phone_number": "3055551234",
    "primary_website": "https://acmepay.com",
    "registered_address": {
      "street_line_1": "100 Brickell Ave",
      "city": "Miami",
      "state": "FL",
      "postal_code": "33131",
      "country": "US"
    },
    "physical_address": {
      "street_line_1": "100 Brickell Ave",
      "city": "Miami",
      "state": "FL",
      "postal_code": "33131",
      "country": "US",
      "proof_of_address_file": "https://storage.yativo.com/documents/abc/lease.pdf"
    },
    "associated_persons": [
      {
        "first_name": "Jane",
        "last_name": "Doe",
        "birth_date": "1978-07-22",
        "nationality": "US",
        "email": "jane.doe@acmepay.com",
        "title": "CEO",
        "ownership_percentage": 60,
        "relationship_established_at": "2018-03-12",
        "residential_address": {
          "street_line_1": "456 Coral Way",
          "city": "Miami",
          "state": "FL",
          "postal_code": "33133",
          "country": "US"
        },
        "identifying_information": [
          {
            "type": "passport",
            "issuing_country": "US",
            "number": "P87654321",
            "date_issued": "2020-01-10",
            "expiration_date": "2030-01-10",
            "image_front_file": "https://storage.yativo.com/documents/abc/jane-passport.jpg"
          }
        ],
        "has_ownership": true,
        "has_control": true,
        "is_signer": true,
        "is_director": true
      }
    ],
    "account_purpose": "business_transactions",
    "source_of_funds": "business_income",
    "high_risk_activities": ["none_of_the_above"],
    "conducts_money_services": false,
    "regulated_activity": {},
    "documents": [
      {
        "purpose": "business_registration",
        "description": "Certificate of Incorporation",
        "file": "https://storage.yativo.com/documents/abc/certificate.pdf"
      },
      {
        "purpose": "tax_documents",
        "description": "EIN confirmation letter",
        "file": "https://storage.yativo.com/documents/abc/ein.pdf"
      }
    ]
  }'

const response = await fetch('https://kyc.yativo.com/api/business-kyc/submit', {
  method: 'POST',
  headers: {
    'Authorization': `Bearer ${token}`,
    'Content-Type': 'application/json',
    'Idempotency-Key': `kyb-${customerId}-001`,
  },
  body: JSON.stringify({
    customer_id: customerId,
    business_legal_name: 'Acme Payments LLC',
    business_trade_name: 'Acme Pay',
    business_description: 'International payment processing for SMEs',
    email: 'compliance@acmepay.com',
    business_type: 'llc',
    registration_number: 'LLC-2018-00987',
    incorporation_date: '2018-03-12',
    registered_address: {
      street_line_1: '100 Brickell Ave',
      city: 'Miami',
      state: 'FL',
      postal_code: '33131',
      country: 'US',
    },
    physical_address: {
      street_line_1: '100 Brickell Ave',
      city: 'Miami',
      state: 'FL',
      postal_code: '33131',
      country: 'US',
      proof_of_address_file: officeLeaseUrl,
    },
    associated_persons: [{
      first_name: 'Jane',
      last_name: 'Doe',
      birth_date: '1978-07-22',
      nationality: 'US',
      email: 'jane.doe@acmepay.com',
      title: 'CEO',
      ownership_percentage: 60,
      residential_address: {
        street_line_1: '456 Coral Way',
        city: 'Miami',
        state: 'FL',
        postal_code: '33133',
        country: 'US',
      },
      identifying_information: [{
        type: 'passport',
        issuing_country: 'US',
        number: 'P87654321',
        date_issued: '2020-01-10',
        expiration_date: '2030-01-10',
        image_front_file: passportUrl,
      }],
      has_ownership: true,
      has_control: true,
      is_signer: true,
      is_director: true,
    }],
    account_purpose: 'business_transactions',
    source_of_funds: 'business_income',
    high_risk_activities: ['none_of_the_above'],
    conducts_money_services: false,
    regulated_activity: {},
    documents: [{
      purpose: 'business_registration',
      description: 'Certificate of Incorporation',
      file: certUrl,
    }],
  }),
});

{
  "success": true,
  "message": "Business KYC submission received successfully",
  "business_data": {
    "customer_id": "d47f8a2b-1c3e-4f5a-9b8c-7d6e5f4a3b2c",
    "type": "business",
    "business_legal_name": "Acme Payments LLC",
    "status": "submitted",
    "created_at": "2026-06-01T10:00:00.000000Z"
  }
}

{
  "status": "failed",
  "status_code": 422,
  "message": "Request failed",
  "data": {
    "business_type": ["The selected business type is invalid."],
    "associated_persons": ["The associated persons field is required."],
    "high_risk_activities": ["The high risk activities field is required."],
    "documents": ["The documents field is required."]
  }
}

Submit Individual KYC Check KYC Status

Overview

Authentication

Customers

KYC / KYB

Payments & Transfers

Deposits

Virtual Accounts

Wallets

Beneficiaries

Transactions

Virtual Cards

Payouts

Currency Swap

Gift Cards

IP Allowlist

Webhooks

Developer

Submit Business KYB

Business identity fields

Addresses

Associated persons

Risk and purpose

Regulated activity

Business documents

Business-level identifying information (optional)

​Business identity fields

​Addresses

​Associated persons

​Risk and purpose

​Regulated activity

​Business documents

​Business-level identifying information (optional)

Business identity fields

Addresses

Associated persons

Risk and purpose

Regulated activity

Business documents

Business-level identifying information (optional)