KYB Documents

Summary

KYB (Know Your Business) verification requires document-level proof beyond the core business fields BlindPay collects at customer creation. You must submit corporate formation documents, an ownership structure document identifying all UBOs, proof of business address, and government ID plus proof of residence for each UBO. Companies in higher-risk sectors may face enhanced due diligence.

Required business fields

The core business and tax fields collected during customer creation (legal name, tax ID, formation date, registered address, website, UBOs) are documented in Customers — Required fields. This page covers only the supporting documents KYB uniquely requires.

Corporate formation documents

• Articles of Organization (or local equivalent) — full document required (all pages).
• Certificate of Incorporation (or equivalent) — full document required (all pages).

Ownership structure documentation

A Share Register or an official legal document clearly showing the full Beneficial Ownership structure is required. This document must clearly identify:

• All shareholders
• Ownership percentages
• Ultimate Beneficial Owners (UBOs), including indirect ownership where applicable

Proof of business address

Accepted documents include a utility bill, lease agreement, or bank statement. The document must:

• Be dated within the last 90 days
• Clearly display the company's legal entity name and registered address
• Be complete and fully visible

For the full list of accepted documents and submission guidelines, see the Proof of Address guide.

UBO documentation

For each Ultimate Beneficial Owner (UBO), BlindPay requires government-issued identification and proof of residence.

Government-issued identification

One of the following is accepted: Driver's License, National ID, Residence Permit, or Passport.

Requirements:

• Within its official validity period and not issued more than 10 years prior to submission
• Clear, complete, and fully visible
• All four corners visible where applicable
• Information must match the ownership documentation provided

Proof of residence

• Dated within the last 90 days
• Clearly shows the UBO's full name and residential address
• Issued by a recognized institution (e.g., utility bill, bank statement, or official government correspondence)

Virtual Account additional information

Virtual Account requests undergo a separate evaluation with their own documentation. See the Virtual Accounts guide for industry type, nature of business, purpose of account, and source of funds/wealth requirements.

Enhanced due diligence sectors

Related

• Customers · Virtual Accounts
• Proof of Address · Source of Funds & Source of Wealth