Documentation Index Fetch the complete documentation index at: https://docs.yativo.com/llms.txt
Use this file to discover all available pages before exploring further.
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 The customer UUID returned by POST /customer. The customer must have been created with customer_type: "business".
The official registered legal name of the business. Max 255 characters.
Trade name or DBA (“doing business as”) name. Max 255 characters.
A description of what the business does. Max 1000 characters.
Business contact email address.
Legal structure of the business. One of: "cooperative", "corporation", "llc", "partnership", "sole_prop", "trust", "other".
Official government registration or incorporation number. Max 100 characters.
Date of incorporation in YYYY-MM-DD format. Must be before today.
Business tax identification number. Max 100 characters. Optional.
Country dial code for the business phone. Must match ^\+[1-9]\d{0,3}$, e.g. "+1", "+234".
Business phone number. Digits only, 7–15 characters.
Industry category of the business. Optional.
Business website URL. Must be a valid URL including scheme (e.g. "https://acme.com").
Whether the business is a Decentralised Autonomous Organisation.
How the business name appears on customer payment statements. Max 22 characters.
has_material_intermediary_ownership
Whether the ownership structure includes material intermediary entities.
Addresses Both registered_address and physical_address share the same field structure.
The official registered address of the business. Show registered_address fields
Street address line 1. Max 255 characters.
Street address line 2. Optional.
City. Max 100 characters.
State or province. Accepts "US-CA" or "CA" — both are normalised.
Postal or ZIP code. Validated per country.
ISO 3166-1 alpha-2 country code.
Registered address proof document. Hosted URL or base64. Optional.
The physical operating address of the business. Must include proof_of_address_file. Show physical_address fields
Street address line 2. Optional.
ISO 3166-1 alpha-2 country code.
Physical address proof (e.g. office lease). Hosted URL or base64.
Associated persons At least one person is required. Include all UBOs (Ultimate Beneficial Owners with ownership ≥ 25%), directors, and authorised signers. Show associated_persons item fields
Person’s first name. Max 100 characters.
Person’s last name. Max 100 characters.
Date of birth in YYYY-MM-DD. Must be before today.
ISO 3166-1 alpha-2 country code.
Job title, e.g. "CEO", "Director". Optional.
Ownership percentage, 0–100.
relationship_established_at
Date the relationship with the business was established. YYYY-MM-DD, must not be in the future.
Person’s residential address. Same field structure as the business address above.
At least one ID document for this person. Show identifying_information item fields
Document type (e.g. "passport", "national_id").
ISO 3166-1 alpha-2 country code.
YYYY-MM-DD, before today.
Front image. Hosted URL or base64. PDF/JPG/JPEG/PNG, max 5 MB.
Back image. Required for cards with a reverse side.
Whether this person has an ownership stake.
Whether this person has operational control.
Whether this person is an authorised signer.
Whether this person is a director.
Risk and purpose 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".
Required when account_purpose is "other".
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".
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".
high_risk_activities_explanation
Required if any high-risk activities are listed. Explain the nature of those activities.
Whether the business conducts money services (e.g. remittance, currency exchange).
conducts_money_services_description
Required when conducts_money_services is true. Describe the money services.
compliance_screening_explanation
Required when conducts_money_services is true. Describe compliance screening procedures.
estimated_annual_revenue_usd
Estimated annual revenue in USD. Optional free-text field.
expected_monthly_payments_usd
Expected monthly payment volume in USD. Optional.
operates_in_prohibited_countries
"yes" or "no". Whether the business operates in any prohibited jurisdictions.
Ownership percentage threshold for UBO reporting. Accepted range: 5–25.
Regulated activity Details about any regulated activities the business conducts. Optional — submit an empty object {} if not applicable. Show regulated_activity fields
regulated_activities_description
Description of regulated activities.
primary_regulatory_authority_country
ISO 3166-1 alpha-2 country code of the regulator.
primary_regulatory_authority_name
Name of the regulatory authority.
Regulatory licence number.
Business documents At least one business document is required. Show documents item fields
Document purpose. One of: "business_registration", "tax_documents", "compliance_documents", "financial_statements".
Human-readable description, e.g. "Certificate of Incorporation".
Hosted URL or base64-encoded document. Optional at submission time — can be provided via update.
Optional business-level ID documents (e.g. business licence, regulatory certificate). Show identifying_information item fields
ISO 3166-1 alpha-2 country code.
Description of the document.
YYYY-MM-DD, must be after today.
Front image. Hosted URL or base64.
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" } ] }'
{ "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" } }
