> ## Documentation Index
> Fetch the complete documentation index at: https://docs.solo.one/llms.txt
> Use this file to discover all available pages before exploring further.
# KYB Certificate
> Business-verification certificate for business onboarding
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
```bash theme={null}
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](/api-overview/querying/overview):
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:
```json theme={null}
{
"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](/concepts/governance/querying-policies) and your
[entitlement](/concepts/governance/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](/api-overview/querying/coverage-check)
first to anticipate `204`s without spending a billable query.
## Furnishing
Participants contribute KYB data with
`POST /v1/products/kyb_certificate/furnish`:
```json theme={null}
{
"network_id": "9f1c0c2e-…",
"program_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](/api-overview/furnishing/file-upload) and
[SFTP](/api-overview/sftp/overview); see [Furnishing](/api-overview/furnishing/overview)
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](/concepts/governance/querying-policies) — 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` |
## Related
## In the dashboard
Request anatomy, 200 vs 204, billing, and the X-Ref-Id header.
Check field coverage before running a billable query.