Submit KYB (Know Your Business) data for a business customer. The customer must already exist with customer_type: "business".
POST https://kyc.yativo.com/api/business-kyc/submit
This endpoint is on the KYC platform (https://kyc.yativo.com). Requires Idempotency-Key header.
Business identity fields
The customer UUID from POST /customer.
Optional agreement UUID. If omitted, it is auto-generated by Yativo.
The official registered legal name of the business.
Description of what the business does.
Business contact email address.
One of: "cooperative", "corporation", "llc", "partnership", "sole_prop", "trust", "other".
Official government registration or incorporation number.
Date of incorporation in ISO 8601 format (e.g. "2015-06-15").
Trade name or DBA (optional).
Business tax identification number (optional).
How the business name appears on customer statements (optional).
Country calling code for business phone (optional).
Business phone number (optional).
Industry category (optional).
Business website URL (optional).
Whether the business is a DAO (optional).
has_material_intermediary_ownership
Whether there is material intermediary ownership (optional).
Business addresses
The official registered address of the business.Show registered_address fields
Street address line 2 (optional).
State or province (optional).
Postal or ZIP code (optional).
ISO 3166-1 alpha-2 country code.
URL or base64-encoded proof of address document (optional).
The physical operating address of the business.Show physical_address fields
Street address line 2 (optional).
ISO 3166-1 alpha-2 country code.
URL or base64-encoded proof of address document.
Associated persons
Minimum 1 associated person (beneficial owner, director, or signer).Show associated_persons item fields
Date of birth in YYYY-MM-DD format.
ISO 3166-1 alpha-2 country code.
Job title, e.g. "CEO", "Director" (optional).
Required if has_ownership is true.
relationship_established_at
Relationship start date in YYYY-MM-DD format (optional).
Person’s residential address.
Optional ID documents.Show identifying_information item fields
"passport", "national_id", or "drivers_license".
ISO 3166-1 alpha-2 country code.
Expiration date in YYYY-MM-DD format.
URL or base64-encoded front image.
URL or base64-encoded back image.
Whether this person has ownership.
Whether this person has control.
Whether this person is an authorized signer.
Whether this person is a director.
Purpose of the business account.
Required when account_purpose is "other".
Source of business funds.
estimated_annual_revenue_usd
Estimated annual revenue in USD (optional).
expected_monthly_payments_usd
Expected monthly payment volume in USD (optional).
operates_in_prohibited_countries
Optional value: "yes" or "no".
Ownership percentage threshold used for reporting (optional).
Array of high-risk activity strings the business is involved in (can be empty).
high_risk_activities_explanation
Explanation of any high-risk activities listed above.
Whether the business conducts money services (optional).
conducts_money_services_description
Required when conducts_money_services is true.
compliance_screening_explanation
Additional compliance context (optional).
regulated_activities_description
Description of regulated activities (optional).
primary_regulatory_authority_country
Country of the primary regulatory authority (optional).
primary_regulatory_authority_name
Name of the primary regulatory authority (optional).
Regulatory license number (optional).
Business documents
Minimum 1 business document required.Show documents item fields
One of: "business_registration", "tax_documents", "compliance_documents", "financial_statements".
Description of the document.
URL or base64-encoded document file (optional).
Virtual account preferences
Request a USD virtual account.
Request a EUR virtual account.
Request a EUR/DE virtual account. If true, usd_virtual_account and eur_virtual_account must be false.
Optional fields
Business-level identifying documents (optional).
Additional supporting documents (optional).Show extra_documents item fields
One of: "articles_of_association", "operating_address_proof", "shareholding_structure", "identity_proof".
Description of the document.
URL or base64-encoded document file.
Additional business information (optional).
Collections configuration data (optional).
Payouts configuration data (optional).
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-corp-2026' \
-d '{
"customer_id": "d47f8a2b-1c3e-4f5a-9b8c-7d6e5f4a3b2c",
"type": "business",
"business_legal_name": "Acme Corporation LLC",
"business_description": "International payment processing services",
"email": "compliance@acme.com",
"business_type": "llc",
"registration_number": "LLC-2015-987654",
"incorporation_date": "2015-06-15",
"tax_id": "47-1234567",
"primary_website": "https://acme.com",
"registered_address": {
"street_line_1": "100 Corporate Blvd",
"city": "Miami",
"state": "FL",
"postal_code": "33101",
"country": "US"
},
"physical_address": {
"street_line_1": "100 Corporate Blvd",
"city": "Miami",
"state": "FL",
"postal_code": "33101",
"country": "US",
"proof_of_address_file": "https://example.com/docs/office-lease.pdf"
},
"associated_persons": [
{
"first_name": "Jane",
"last_name": "Doe",
"birth_date": "1975-03-20",
"nationality": "US",
"email": "jane.doe@acme.com",
"title": "CEO",
"ownership_percentage": 51,
"residential_address": {
"street_line_1": "456 Oak Avenue",
"city": "Miami",
"state": "FL",
"postal_code": "33102",
"country": "US"
},
"has_ownership": true,
"has_control": true,
"is_signer": true,
"is_director": true
}
],
"account_purpose": "BusinessPayments",
"source_of_funds": "Business",
"estimated_annual_revenue_usd": "5000000",
"expected_monthly_payments_usd": 600000,
"operates_in_prohibited_countries": "no",
"high_risk_activities": [],
"documents": [
{
"purpose": "business_registration",
"description": "Articles of Incorporation",
"file": "https://example.com/docs/articles.pdf"
}
],
"usd_virtual_account": false,
"eur_virtual_account": true,
"eurde_virtual_account": false
}'
{
"success": true,
"message": "Business KYC submission received successfully",
"business_data": {
"customer_id": "d47f8a2b-1c3e-4f5a-9b8c-7d6e5f4a3b2c",
"type": "business",
"business_legal_name": "Acme Corporation LLC",
"status": "in_progress",
"created_at": "2026-04-02T10:00:00.000000Z"
}
}
