KYB Certificate

The KYB Certificate is a reusable Know Your Business attestation that packages UBO (ultimate beneficial owner), incorporation, and business-identity evidence into a single certificate. Rather than each institution repeating registry lookups, ownership tracing, and risk screening for the same business, a query assembles the verification work already furnished by network participants into one network-issued result.


Category	Identity Verification
Use case	Customer Onboarding
Subject	Business
Operations	`POST /v1/products/kyb_certificate/query`, `POST /v1/products/kyb_certificate/furnish`

What’s in the certificate

A KYB certificate consolidates three sub-products, each a block in the query response with its own assertions (what was attested, and when) and data (the supporting attributes):

Sub-product	Response key	What it attests
Business identity verification	`business_identity_verification`	The legal entity exists and is what it claims — registration, jurisdiction, tax ID validation, operational existence.
Ownership & control verification	`business_ownership_control_verification`	Beneficial owners, control persons, and authorized representatives were identified and evidenced.
Risk & compliance assessment	`business_risk_compliance_assessment`	Sanctions, adverse media, restricted-activity, and activity-risk screening were performed.

Every populated sub-product carries the furnishing_entity_id of the participant whose data backed it and the attestation_id of their attestation. Shared business descriptors — DBA name, website, jurisdiction of formation, registration identifier — are repeated in each sub-product’s data block so each block stands alone.

Querying

curl -X POST https://api.solo.one/v1/products/kyb_certificate/query \
  -H "Authorization: Bearer $SOLO_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "consent_id": "a3f0b9c7-…",
    "policy_id": "5e7d2a14-…",
    "network_ids": ["9f1c0c2e-…"]
  }'

The request follows the standard query anatomy: identify the subject with consent_id (or business_id for direct permissible-purpose lookups), and scope the read with network_ids plus an optional policy_id and furnishing_entity_ids. A 200 OK means a certificate was issued:

{
  "certificate_id": "8d4b2f6a-…",
  "query_event_id": "7b2d9c4e-…",
  "business_id": "b9e1f7c3-…",
  "result": {
    "meta": {
      "network_id": "9f1c0c2e-…",
      "policy_id": "5e7d2a14-…"
    },
    "business_identity_verification": {
      "furnishing_entity_id": "e1d2c3b4-…",
      "attestation_id": "f0a1b2c3-…",
      "assertions": {
        "business_identity_verification_assertion": true,
        "business_identity_verification_performed_timestamp": "2026-05-02T00:00:00Z"
      },
      "data": {
        "business_formation_document_artifact": "articles_of_organization.pdf",
        "business_dba_name": "Acme Coffee",
        "business_website_url": "https://acme.example",
        "business_jurisdiction_of_formation": "DE",
        "business_registration_identifier": "7423918",
        "business_identity_verification_sources": ["state_registry"],
        "business_entity_type": "llc",
        "business_registration_status": "active",
        "business_operational_existence_status": "verified",
        "business_tax_id_validation_result": "match",
        "business_address_verification_result": "match",
        "business_registered_address": null,
        "business_operating_address": null
      }
    },
    "business_ownership_control_verification": {
      "furnishing_entity_id": "e1d2c3b4-…",
      "attestation_id": "f0a1b2c3-…",
      "assertions": {
        "business_ownership_control_verification_assertion": true,
        "business_ownership_control_verification_timestamp": "2026-05-03T00:00:00Z"
      },
      "data": {
        "business_ownership_evidence_artifact": "cap_table.pdf",
        "business_dba_name": "Acme Coffee",
        "business_website_url": "https://acme.example",
        "business_jurisdiction_of_formation": "DE",
        "business_registration_identifier": "7423918",
        "business_ownership_control_verification_overall_status": "complete",
        "business_ownership_control_verification_overall_primary_source": "state_registry",
        "business_authority_determination_basis": "operating_agreement",
        "business_authorized_representatives_identified_count": 2,
        "business_beneficial_owners_identified_count": 1,
        "business_beneficial_ownership_determination_method": "ownership_percentage",
        "business_beneficial_ownership_threshold_applied": "25_percent",
        "business_control_authority_evidence_reviewed_type": "operating_agreement",
        "business_control_determination_basis": "managing_member",
        "business_control_persons_identified_count": 1,
        "business_ownership_evidence_reviewed_type": "cap_table"
      }
    },
    "business_risk_compliance_assessment": {
      "furnishing_entity_id": "e1d2c3b4-…",
      "attestation_id": "f0a1b2c3-…",
      "assertions": {
        "business_risk_compliance_verification_assertion": true,
        "business_risk_compliance_timestamp": "2026-05-03T00:00:00Z"
      },
      "data": {
        "business_dba_name": "Acme Coffee",
        "business_website_url": "https://acme.example",
        "business_jurisdiction_of_formation": "DE",
        "business_registration_identifier": "7423918",
        "business_primary_activity_classification_code": "722515",
        "business_primary_activity_classification_system": "NAICS",
        "business_activity_risk_level": "low",
        "business_sanctions_screening_result": "clear",
        "business_adverse_media_assessment_result": "none_found",
        "business_compliance_screening_scope_applied": "standard",
        "business_restricted_activity_assessment_result": "clear",
        "business_risk_compliance_assessment_overall_primary_source": "third_party",
        "business_risk_compliance_assessment_overall_status": "verified",
        "business_risk_compliance_assessment_timestamp": "2026-05-03T00:00:00Z"
      }
    }
  }
}

certificate_id — the issued certificate, recording its as-of date, attestation timestamp, and the network + policy pairs it was resolved under.
query_event_id — the billable query event id, also returned in the X-Ref-Id response header.
result — the consolidated certificate. Sub-products without qualifying data are null.

How the certificate resolves per network

The query gathers furnished business events across every network in network_ids, applies the querying policy’s filters uniformly, and selects the oldest matching event from any allowed network for each sub-product. The result’s meta.network_id is anchored to the first network in your request — list your primary network first. Which fields you ultimately see is shaped by the querying policy and your entitlement.

When you get a 204

The endpoint declares a 204 No Content response: no certificate could be created — the available data did not satisfy the policy requirements. You’ll receive a 204 when:

a required sub-product (identity, ownership & control, or risk/compliance) was never furnished for this business in the queried networks, or
furnished events exist but fail the policy’s filters (e.g. verification older than the policy’s freshness window), or
the policy selected specific data fields that the resolved certificate could not populate.

The body is empty; the X-Ref-Id header is still present and the query event is still recorded. Run a coverage check first to anticipate 204s without spending a billable query.

Furnishing

Participants contribute KYB data with POST /v1/products/kyb_certificate/furnish:

{
  "network_id": "9f1c0c2e-…",
  "subnetwork_name": "default",
  "application_date": "2026-05-28",
  "records": [
    {
      "business_legal_name": "Acme Coffee LLC",
      "business_ein": "12-3456789"
    }
  ]
}

The response is {"success": true, "submission_id": "…"}. Bulk contribution is also available via file upload and SFTP; see Furnishing for the full model.

Field reference

The KYB certificate’s data dictionary, model by model. Field is the display name, API name is the field_name used in policies and coverage checks, and Source model is the underlying table the value is drawn from.

Business

Field	API name	Type	Source model
Business Legal Name	`business_legal_name`	String	`business`

BusinessIdentityVerificationEvent

Field	API name	Type	Source model
Attestation ID	`attestation_id`	UUID	`business_identity_verification_event`
Furnishing Entity ID	`furnishing_entity_id`	UUID	`attestation`
Is Identity Verified	`is_identity_verified`	Boolean	`business_identity_verification_event`
Identity Verification Timestamp	`identity_verification_timestamp`	Date	`business_identity_verification_event`
Identity Verification Overall Status	`identity_verification_overall_status`	String	`business_identity_verification_event`
Identity Verification Overall Primary Source	`identity_verification_overall_primary_source`	String	`business_identity_verification_event`
Is Secretary Of State Match	`is_secretary_of_state_match`	Boolean	`business_identity_verification_event`
Operational Existence Status	`operational_existence_status`	String	`business_identity_verification_event`
Tax ID Validation Result	`tax_id_validation_result`	String	`business_identity_verification_event`
Tax Identifier Type	`tax_identifier_type`	String	`business_identity_verification_event`
Tax Identifier Value	`tax_identifier_value`	String	`business_identity_verification_event`
Address Verification Result	`address_verification_result`	String	`business_identity_verification_event`
DBA Name	`dba_name`	String	`business_identity_verification_event`
Entity Type	`entity_type`	String	`business_identity_verification_event`
Formation Document Artifact	`formation_document_artifact`	String	`business_identity_verification_event`
Jurisdiction Of Formation	`jurisdiction_of_formation`	String	`business_identity_verification_event`
Registration Identifier	`registration_identifier`	String	`business_identity_verification_event`
Registration Status	`registration_status`	String	`business_identity_verification_event`
Website URL	`website_url`	String	`business_identity_verification_event`

BusinessOwnershipControlVerificationEvent

Field	API name	Type	Source model
Attestation ID	`attestation_id`	UUID	`business_ownership_control_verification_event`
Furnishing Entity ID	`furnishing_entity_id`	UUID	`attestation`
Is Ownership Control Verified	`is_ownership_control_verified`	Boolean	`business_ownership_control_verification_event`
Ownership Control Verification Timestamp	`ownership_control_verification_timestamp`	Date	`business_ownership_control_verification_event`
Ownership Control Verification Overall Status	`ownership_control_verification_overall_status`	String	`business_ownership_control_verification_event`
Ownership Control Verification Overall Primary Source	`ownership_control_verification_overall_primary_source`	String	`business_ownership_control_verification_event`
Authority Determination Basis	`authority_determination_basis`	String	`business_ownership_control_verification_event`
Authorized Representatives Identified Count	`authorized_representatives_identified_count`	Integer	`business_ownership_control_verification_event`
Beneficial Owners Identified Count	`beneficial_owners_identified_count`	Integer	`business_ownership_control_verification_event`
Beneficial Ownership Determination Method	`beneficial_ownership_determination_method`	String	`business_ownership_control_verification_event`
Beneficial Ownership Threshold Applied	`beneficial_ownership_threshold_applied`	String	`business_ownership_control_verification_event`
Control Authority Evidence Reviewed Type	`control_authority_evidence_reviewed_type`	String	`business_ownership_control_verification_event`
Control Determination Basis	`control_determination_basis`	String	`business_ownership_control_verification_event`
Control Persons Identified Count	`control_persons_identified_count`	Integer	`business_ownership_control_verification_event`
Is Personally Guaranteed	`is_personally_guaranteed`	Boolean	`business_ownership_control_verification_event`
Ownership Evidence Artifact	`ownership_evidence_artifact`	String	`business_ownership_control_verification_event`
Ownership Evidence Reviewed Type	`ownership_evidence_reviewed_type`	String	`business_ownership_control_verification_event`

BusinessRiskComplianceEvent

Field	API name	Type	Source model
Attestation ID	`attestation_id`	UUID	`business_risk_compliance_event`
Furnishing Entity ID	`furnishing_entity_id`	UUID	`attestation`
Is Risk Compliance Assessed	`is_risk_compliance_assessed`	Boolean	`business_risk_compliance_event`
Risk Compliance Assessment Timestamp	`risk_compliance_assessment_timestamp`	Date	`business_risk_compliance_event`
Risk Compliance Assessment Overall Status	`risk_compliance_assessment_overall_status`	String	`business_risk_compliance_event`
Risk Compliance Assessment Overall Primary Source	`risk_compliance_assessment_overall_primary_source`	String	`business_risk_compliance_event`
Activity Risk Level	`activity_risk_level`	String	`business_risk_compliance_event`
Sanctions Screening Result	`sanctions_screening_result`	String	`business_risk_compliance_event`
Adverse Media Assessment Result	`adverse_media_assessment_result`	String	`business_risk_compliance_event`
Compliance Screening Scope Applied	`compliance_screening_scope_applied`	String	`business_risk_compliance_event`
Restricted Activity Assessment Result	`restricted_activity_assessment_result`	String	`business_risk_compliance_event`
Address Verification Result	`address_verification_result`	String	`business_risk_compliance_event`
Is On AML Watchlist	`is_on_aml_watchlist`	Boolean	`business_risk_compliance_event`
Is On OFAC Watchlist	`is_on_ofac_watchlist`	Boolean	`business_risk_compliance_event`
Primary Activity Classification Code	`primary_activity_classification_code`	String	`business_risk_compliance_event`
Primary Activity Classification System	`primary_activity_classification_system`	String	`business_risk_compliance_event`

KYBCertificate (policy configuration only)

These certificate-level fields are used when configuring a querying policy — filters over issued certificates, not data projected into the query response.

Field	API name	Type	Source model
Certificate As Of Date	`certificate_as_of_date`	Date	`kyb_certificate`
Certificate Attestation Timestamp	`certificate_attestation_timestamp`	Datetime	`kyb_certificate`
Days Since Certificate As Of Date	`days_since_certificate_as_of_date`	Integer	`kyb_certificate`
Is Business Identity Verification Performed	`is_business_identity_verification_performed`	Boolean	`kyb_certificate`
Is Business Ownership Control Performed	`is_business_ownership_control_performed`	Boolean	`kyb_certificate`
Is Business Risk Compliance Assessed	`is_business_risk_compliance_assessed`	Boolean	`kyb_certificate`

In the dashboard

Run query — choose KYB certificate product

Business KYB query — REST response payload

Querying

Request anatomy, 200 vs 204, billing, and the X-Ref-Id header.

Coverage check

Check field coverage before running a billable query.

Furnishing API

Query API

The Collect SDK

The Index Microservice

What’s in the certificate

Querying

How the certificate resolves per network

When you get a 204

Furnishing

Field reference

Business

BusinessIdentityVerificationEvent

BusinessOwnershipControlVerificationEvent

BusinessRiskComplianceEvent

KYBCertificate (policy configuration only)

In the dashboard

Querying

Coverage check

​What’s in the certificate

​Querying

​How the certificate resolves per network

​When you get a 204

​Furnishing

​Field reference

​Business

​BusinessIdentityVerificationEvent

​BusinessOwnershipControlVerificationEvent

​BusinessRiskComplianceEvent

​KYBCertificate (policy configuration only)

​Related

​In the dashboard

Querying

Coverage check

What’s in the certificate

Querying

How the certificate resolves per network

When you get a 204

Furnishing

Field reference

Business

BusinessIdentityVerificationEvent

BusinessOwnershipControlVerificationEvent

BusinessRiskComplianceEvent

KYBCertificate (policy configuration only)

Related

In the dashboard