Identity Layer

KYB-AI

Active

Business verification — UBO identification, director screening, corporate structure analysis and registry cross-check. Screens all associated persons against sanctions and PEP lists. Supports legal entities across CA, AE and SA.

Endpoint

POST/api/kyb/verify

Verification sources by jurisdiction

Jurisdiction	Sources
CA	Corporations Canada · Provincial registries · OSFI · OFAC SDN · UN SC · PEP Global
AE	MOEC (Ministry of Economy) · CBUAE Sanctions · OFAC SDN · UN SC · PEP Global
SA	MOCI (Ministry of Commerce) · SAMA Sanctions · OFAC SDN · UN SC · PEP Global

Request parameters

Parameter	Type	Required	Description
`entity_id`	string	Yes	Your internal reference for this business entity.
`company_name`	string	Yes	Full registered company name.
`jurisdiction`	string	Yes	One of: CA (Canada), AE (UAE), SA (KSA). Determines which registries and rules are applied.
`registration_number`	string	No	Company registration or trade licence number. Improves verification accuracy.
`country_of_incorporation`	string	No	ISO 3166-1 alpha-2 country where the company is incorporated.
`business_type`	string	No	One of: private_limited, public_limited, partnership, sole_trader, llc, other.
`directors`	array	No	Array of director full names. Each is screened against sanctions and PEP lists.
`ubo_names`	array	No	Array of Ultimate Beneficial Owner names (25%+ ownership). Each is screened.
`years_in_operation`	number	No	Years the business has been operating. Used in risk assessment.

Response fields

Parameter	Type	Required	Description
`success`	boolean	Yes	Whether the API call succeeded.
`data.status`	string	Yes	Verification decision: approved, rejected, or review_required.
`data.risk_level`	string	Yes	Risk level: low, medium, high, or critical.
`data.confidence_score`	integer	Yes	AI confidence in the decision, 0–100.
`data.company_verified`	boolean	Yes	Whether the company was located and verified in the relevant registry.
`data.directors_screened`	boolean	Yes	Whether all provided directors were screened against sanctions and PEP lists.
`data.ubo_screened`	boolean	Yes	Whether all provided UBOs were screened against sanctions and PEP lists.
`data.adverse_media_found`	boolean	Yes	Whether adverse media was detected for the company or associated persons.
`data.compliance_flags`	array	Yes	List of compliance issues found. Each flag has: rule_id, severity, message, suggestion.
`data.requires_human_review`	boolean	Yes	If true, the case is added to the review queue for a compliance officer.
`data.ai_recommendation`	string	Yes	Plain-English explanation of the decision and recommended action.
`processing_time_ms`	integer	Yes	Total processing time in milliseconds.

EDD triggers

Enhanced Due Diligence is automatically triggered when UBOs are registered in high-risk jurisdictions, when adverse media is detected, when complex multi-layer ownership structures are present, or when any director or UBO appears on a sanctions or PEP list. These cases are flagged with requires_human_review: true and added to the compliance review queue.

Code example

curl -X POST \
  https://shield.kodexa.systems/api/kyb/verify \
  -H "Content-Type: application/json" \
  -d '{
    "entity_id": "ENT-AE-001",
    "company_name": "Gulf Trading LLC",
    "jurisdiction": "AE",
    "registration_number": "1234567",
    "directors": ["Mohammed Al Rashid"],
    "ubo_names": ["Mohammed Al Rashid", "Gulf Holdings Ltd"]
  }'

Example response

json

{
  "success": true,
  "data": {
    "status": "approved",
    "risk_level": "low",
    "confidence_score": 91,
    "company_verified": true,
    "directors_screened": true,
    "ubo_screened": true,
    "adverse_media_found": false,
    "ai_recommendation": "Company verified via MOEC registry. No sanctions or PEP matches on directors or UBOs. No adverse media. Approved for onboarding.",
    "compliance_flags": [],
    "requires_human_review": false,
    "review_reasons": [],
    "request_id": "kyb_1716000000_abc123",
    "created_at": "2026-05-22T04:00:00.000Z"
  },
  "processing_time_ms": 934,
  "jurisdiction": "AE",
  "plugin": "kyb"
}