UBO determination for KYC/KYB compliance workflows
Law firms, tax advisors, and notaries remain Transparify’s primary market. The same AMLR Ultimate Beneficial Owner (UBO) determination logic also serves a secondary audience: compliance and risk teams at fintechs, banks, payment providers, and Know Your Customer (KYC) / Know Your Business (KYB) software vendors who need UBO assessment inside onboarding — without rebuilding ownership-interest and control tests themselves.
Transparify does not ship raw company-register extracts (as OpenCorporates- or Bundesanzeiger-style data APIs do). It returns a legally interpreted Ultimate Beneficial Owner (UBO) determination after parallel assessment of ownership interest and control via other means under AMLR Articles 51–54 — the buying argument for Know Your Customer (KYC) / Know Your Business (KYB) platforms that will not rebuild UBO logic themselves, often stronger than for a single law-firm user.
By Noah Böker — Regulatory Strategy, Transparify
Last updated: Content is reviewed on a ~90-day cycle while AMLR implementation evolves through 2027.
Primary ICP first — KYC/KYB as an extension
Go-to-market priority stays with professional services firms that hold full mandate document access. KYC/KYB teams are a secondary layer: they need the determination outcome in automated or API-shaped workflows, not a substitute for banking-grade identity verification or PEP screening products.
What this section is not targeting
We do not compete for head terms like “KYC software” or “KYB software” against Sumsub, Trulioo, Onfido, Persona, or Middesk. Keywords here sit at the intersection of UBO determination logic and KYC/KYB workflow context.
How to use these pages
Start from this hub, then open the cluster articles for API positioning, onboarding automation, data-vs-determination differentiation, vendor AMLR compliance, and EU verification-API framing. Each page links back to the UBO determination pillar and into AMLR compliance clusters such as control via other means.
In this guide
- UBO check API for KYC platformsDetermination outcome via API — not register scrapes.
- Automated UBO determination for KYB onboardingWhere automation helps — and where humans must confirm.
- UBO data vs UBO determinationWhy raw ownership data is not an AMLR determination.
- AMLR compliance for KYC/AML software vendorsWhat vendors must expose to enterprise buyers.
- Beneficial ownership verification API (EU)EU framing for verification-style API buyers — with precise UBO wording.
Related reading
Primary sources
- Regulation (EU) 2024/1624 (AMLR)Anti-Money Laundering Regulation — directly applicable from 10 July 2027.
- Directive (EU) 2024/1640 (AMLD6)Sixth Anti-Money Laundering Directive — national transposition obligations.
- European Banking Authority (EBA) — AML/CFT hub
Run a structured UBO determination workflow
Transparify guides capture, threshold checks, and documentation — your firm confirms decisions.