Required and optional fields for KYB verification

Overview

This guide details all data fields required for comprehensive KYB (Know Your Business) verification using gu1’s platform. Data requirements vary by jurisdiction, business type, and risk level.

Core Business Information

Required Fields

These fields are mandatory for all business entities:

Field	Type	Description	Example
`legalName`	string	Official registered business name	”Tech Solutions Sociedade Anônima”
`tradeName`	string	Business trading name	”Tech Solutions”
`taxId`	string	Tax identification number	”12.345.678/0001-90” (CNPJ - Brazil)
`countryCode`	string	ISO 3166-1 alpha-2 code	”BR”, “US”, “MX”, “AR”
`incorporationDate`	date	Date of business formation	”2020-06-15”
`industry`	string	Primary business activity	”Software Development”
`registeredAddress`	object	Official business address	See address structure below

Address Structure

{
  "street": "Av. Paulista, 1000",
  "city": "São Paulo",
  "state": "SP",
  "postalCode": "01310-100",
  "country": "BR"
}

Business Details

Strongly Recommended Fields

These fields significantly improve risk assessment accuracy:

Field	Type	Description	Example
`registrationNumber`	string	Government business registration ID	”NIRE 35.300.123456”
`businessType`	string	Legal structure	”LLC”, “Corporation”, “Partnership”
`website`	string	Official company website	”https://techsolutions.com.br”
`employeeCount`	number	Number of employees	50
`annualRevenue`	number	Annual revenue in USD	5000000
`foundingYear`	number	Year company was founded	2020
`businessDescription`	string	What the company does	”B2B SaaS for enterprises”

Optional Fields

Helpful for enhanced due diligence:

Field	Type	Description
`phoneNumber`	string	Primary business phone
`email`	string	Official contact email
`parentCompany`	string	Name of parent company (if applicable)
`subsidiaries`	array	List of subsidiary companies
`stockSymbol`	string	Ticker symbol (if publicly traded)
`regulatoryLicenses`	array	Required licenses and permits

Beneficial Ownership Data

Required for companies with complex ownership structures:

Ultimate Beneficial Owners (UBOs)

For each individual owning >25% of the company:

{
  "beneficialOwners": [
    {
      "firstName": "Carlos",
      "lastName": "Silva",
      "dateOfBirth": "1975-08-22",
      "nationality": "BR",
      "ownershipPercentage": 60,
      "isPEP": false,
      "idNumber": "123.456.789-00",
      "address": {
        "street": "Rua das Flores, 500",
        "city": "São Paulo",
        "state": "SP",
        "postalCode": "01234-567",
        "country": "BR"
      }
    }
  ]
}

Corporate Structure

For complex ownership:

{
  "ownershipStructure": {
    "type": "multi_tier",
    "layers": [
      {
        "level": 1,
        "owners": [
          {
            "type": "person",
            "name": "Carlos Silva",
            "ownership": 60
          },
          {
            "type": "company",
            "name": "Investment Holdings Inc",
            "ownership": 40
          }
        ]
      }
    ]
  }
}

Required Documents

Tier 1: Essential Documents

Required for all businesses:

Articles of Incorporation / Certificate of Formation
- File type: PDF
- Max size: 10MB
- Must be: Government-issued, recent (within 6 months)
Business License / Operating Permit
- File type: PDF, JPG, PNG
- Max size: 10MB
- Must show: License number, expiry date, issuing authority
Tax Registration Certificate
- File type: PDF
- Max size: 10MB
- Must show: Tax ID, registration date, current status
Proof of Business Address
- File type: PDF, JPG
- Max size: 5MB
- Acceptable: Utility bill, bank statement (last 3 months)

Tier 2: Enhanced Due Diligence

Required for medium/high-risk businesses:

Financial Statements
- File type: PDF
- Period: Last 2 years
- Must be: Audited or certified by accountant
Beneficial Ownership Declaration
- File type: PDF
- Max size: 10MB
- Must include: Names, ownership %, IDs of all UBOs
Board Resolution / Authorization
- File type: PDF
- Max size: 5MB
- Purpose: Authorizing business relationship
Source of Funds Documentation
- File type: PDF
- Max size: 10MB
- Examples: Investment agreements, bank statements

Tier 3: High-Risk Additional Requirements

Required for high-risk industries or jurisdictions:

Regulatory Approvals
- Specific to industry (financial services, healthcare, etc.)
- Must be current and valid
AML Policy Documentation
- Internal AML/CFT procedures
- Compliance officer information
Sanctions Compliance Certificate
- Declaration of no sanctions violations
- Last 5 years compliance history

Country-Specific Requirements

United States

{
  "countryCode": "US",
  "requiredFields": {
    "ein": "12-3456789",
    "stateOfIncorporation": "Delaware",
    "businessStructure": "LLC",
    "duns": "012345678"
  },
  "documents": [
    "articles_of_incorporation",
    "ein_letter",
    "state_business_license",
    "w9_form"
  ]
}

Brazil

{
  "countryCode": "BR",
  "requiredFields": {
    "cnpj": "12.345.678/0001-90",
    "nire": "35.300.123456",
    "capitalSocial": 1000000,
    "municipalRegistration": "123456-7"
  },
  "documents": [
    "contrato_social",
    "cartao_cnpj",
    "certidao_federal",
    "certidao_estadual",
    "alvara_funcionamento"
  ]
}

Mexico

{
  "countryCode": "MX",
  "requiredFields": {
    "rfc": "ABC123456ABC",
    "curp": "SABC750822HDFNLR09",
    "folioMercantil": "123456"
  },
  "documents": [
    "acta_constitutiva",
    "cedula_rfc",
    "comprobante_domicilio"
  ]
}

Argentina

{
  "countryCode": "AR",
  "requiredFields": {
    "cuit": "20-12345678-9",
    "inscripcionIgj": "123456",
    "iibb": "901-234567-8"
  },
  "documents": [
    "estatuto_social",
    "constancia_cuit",
    "certificado_vigencia"
  ]
}

Transaction & Activity Data

Expected Transaction Patterns

{
  "transactionProfile": {
    "expectedMonthlyVolume": 250000,
    "expectedMonthlyTransactions": 150,
    "averageTransactionSize": 1667,
    "primaryCurrencies": ["USD", "BRL"],
    "geographicFocus": ["BR", "AR", "MX"],
    "businessModel": "subscription_saas"
  }
}

Business Relationships

{
  "businessRelationships": {
    "majorCustomers": [
      {
        "name": "Enterprise Corp",
        "country": "BR",
        "monthlyVolume": 50000
      }
    ],
    "majorSuppliers": [
      {
        "name": "Cloud Provider Inc",
        "country": "US",
        "monthlyVolume": 30000
      }
    ],
    "bankingPartners": [
      {
        "bankName": "Banco do Brasil",
        "accountType": "business_checking",
        "since": "2020-07-01"
      }
    ]
  }
}

Risk-Based Requirements

Low Risk (Score < 30)

Basic business information
Tier 1 documents only
Single-layer ownership verification

Medium Risk (Score 30-70)

Complete business information
Tier 1 + Tier 2 documents
Full beneficial ownership verification
Transaction monitoring setup

High Risk (Score > 70)

Exhaustive business information
All Tier 1, 2, and 3 documents
Enhanced beneficial ownership verification
Source of wealth documentation
Ongoing enhanced monitoring

Industry-Specific Requirements

Financial Services

{
  "industry": "financial_services",
  "additionalRequirements": {
    "regulatoryLicenses": ["banking_license", "payment_processor_license"],
    "capitalRequirement": 1000000,
    "amlPolicyRequired": true,
    "complianceOfficer": {
      "name": "João Santos",
      "email": "compliance@company.com",
      "certifications": ["CAMS", "CFE"]
    }
  }
}

Cryptocurrency / Blockchain

{
  "industry": "cryptocurrency",
  "additionalRequirements": {
    "virtualAssetLicense": true,
    "blockchainWallets": ["0x1234..."],
    "amlProgram": "documented",
    "travelRuleCompliance": true,
    "coldStoragePolicy": "documented"
  }
}

Gaming / Gambling

{
  "industry": "gaming",
  "additionalRequirements": {
    "gamingLicense": true,
    "licensingAuthority": "Malta Gaming Authority",
    "fairnessVerification": "third_party_certified",
    "responsibleGamingPolicy": true
  }
}

Data Quality Standards

Validation Rules

All data must meet these quality standards:

Completeness: No missing required fields
Accuracy: Data matches official documents
Consistency: Cross-field validation passes
Currency: Documents less than 6 months old
Legibility: Documents clearly readable (min 300 DPI)

Common Validation Errors

Error	Cause	Solution
Invalid Tax ID format	Wrong format for country	Use country-specific validator
Document too old	Issue date > 6 months ago	Request updated document
Name mismatch	Legal name ≠ document name	Verify correct legal name
Missing UBO	No owners listed	Provide ownership structure
Address unverifiable	Can’t confirm address exists	Provide utility bill or statement

Data Submission Format

JSON Structure

Complete KYB data submission example:

{
  "entity": {
    "type": "company",
    "externalId": "business_12345",
    "name": "Tech Solutions Sociedade Anônima",
    "taxId": "12.345.678/0001-90",
    "countryCode": "BR",
    "entityData": {
      "company": {
        "legalName": "Tech Solutions Sociedade Anônima",
        "tradeName": "Tech Solutions",
        "incorporationDate": "2020-06-15",
        "industry": "Software Development",
        "businessType": "LLC",
        "employeeCount": 50,
        "revenue": 5000000,
        "website": "https://techsolutions.com.br"
      }
    },
    "attributes": {
      "registrationNumber": "NIRE 35.300.123456",
      "registeredAddress": {
        "street": "Av. Paulista, 1000",
        "city": "São Paulo",
        "state": "SP",
        "postalCode": "01310-100",
        "country": "BR"
      },
      "expectedMonthlyVolume": 250000,
      "businessDescription": "B2B SaaS platform for enterprise resource planning"
    }
  },
  "beneficialOwners": [
    {
      "firstName": "Carlos",
      "lastName": "Silva",
      "dateOfBirth": "1975-08-22",
      "nationality": "BR",
      "ownershipPercentage": 60,
      "isPEP": false
    }
  ],
  "documents": [
    {
      "type": "articles_of_incorporation",
      "fileName": "contrato_social.pdf",
      "uploadUrl": "https://..."
    },
    {
      "type": "tax_certificate",
      "fileName": "cnpj_certificate.pdf",
      "uploadUrl": "https://..."
    }
  ]
}

API Endpoints for Data Submission

Create Entity: POST /entities
Upload Documents: POST /documents
Add UBOs: POST /entities/{id}/beneficial-owners
Update Business Info: PATCH /entities/{id}

Next Steps

Complete Example

Full working implementation with all required data

API Reference

Detailed API documentation

KYB Workflow

Step-by-step verification process

Document Upload

How to upload verification documents

​Overview

​Core Business Information

​Required Fields

​Address Structure

​Business Details

​Strongly Recommended Fields

​Optional Fields

​Beneficial Ownership Data

​Ultimate Beneficial Owners (UBOs)

​Corporate Structure

​Required Documents

​Tier 1: Essential Documents

​Tier 2: Enhanced Due Diligence

​Tier 3: High-Risk Additional Requirements

​Country-Specific Requirements

​United States

​Brazil

​Mexico

​Argentina

​Transaction & Activity Data

​Expected Transaction Patterns

​Business Relationships

​Risk-Based Requirements

​Low Risk (Score < 30)

​Medium Risk (Score 30-70)

​High Risk (Score > 70)

​Industry-Specific Requirements

​Financial Services

​Cryptocurrency / Blockchain

​Gaming / Gambling

​Data Quality Standards

​Validation Rules

​Common Validation Errors

​Data Submission Format

​JSON Structure

​API Endpoints for Data Submission

​Next Steps