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KYB Intelligence

AI-Powered KYB · MCA · GST · UBO Mapping · AML Screening

Verify Businesses Instantly
with AI-Powered KYB
Intelligence

Onboard companies faster, validate ownership structures, and reduce fraud risk using automated KYB workflows, real-time business intelligence, and AI risk scoring.

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🏛️ MCA Direct Access

📋 GSTN Integrated

🛡️ AML / Sanctions

✅ DPDP Compliant

🔐 RBI-Ready

Businesses Verified Today

8,420 🏢

↑ 19% vs last week

Avg KYB Completion

<3 min

vs 3+ days manual

KYB Intelligence Console — SafematePlus

Live

🏭

TechCorp Manufacturing Pvt. Ltd.

CIN: U28992MH2018PTC308421

✓ Active

GST Status

✓ Active · Compliant

MCA Status

✓ Active Company

Incorporation

14-Mar-2018

GSTIN

27AABCT1234F1Z5

Sanctions Check

✓ No Flags

Court Records

✓ Clear

Directors & UBO Mapping

Rajesh Kumar

62.4%

UBO

Priya Sharma

37.6%

Director

KYB Risk Score

Low — 14

0–100 · AI Composite Score

Verification Status

✓ Identity verified

✓ GST compliant

✓ No sanctions

✓ UBO mapped

🏢 KYB Modules

10 Purpose-Built Business Verification Engines

Each module is purpose-trained for India's business registry, regulatory, and compliance data infrastructure — not generic lookups repurposed for KYB.

🏢

Company Identity Verification

Instant verification of company identity across MCA21, GST, and PAN databases — confirming legal existence, registration status, and compliance health.

MCA21 registry lookup & CIN validation

GST registration status & GSTIN check

Company PAN & incorporation date verification

⚡ <30 seconds

👥

Director & UBO Verification

Maps the complete ownership structure — directors, shareholders, and Ultimate Beneficial Owners — with shareholding percentages and DIN validation.

Director DIN & identity cross-check

UBO mapping with shareholding structure

Beneficial ownership transparency report

⚡ <1 minute

📋

GST Validation & Filing Insights

Deep GST intelligence beyond basic GSTIN validation — turnover estimation, filing compliance, and GST return analysis for business financial health assessment.

GSTIN validation & active status

GST return filing compliance analysis

Turnover estimation from GSTN data

⚡ <45 seconds

💰

Business Financial Analysis

Analyses MCA-filed financials, turnover history, and bank data to assess financial health — critical for MSME lending and vendor credit decisioning.

MCA annual return & financials

Revenue trend & profitability signals

Business credit & repayment history

⚡ <2 minutes

⚖️

Litigation & Court Records

Searches district, high court, and Supreme Court databases for pending or past cases against the company, directors, and key personnel.

District, High Court & Supreme Court search

Civil & criminal litigation history

Director-level court record check

⏱ 1–4 hours

🌐

Sanctions & Watchlist Screening

Screens business and its directors against global sanctions lists, PEP databases, adverse media, and Indian regulatory watchlists for AML compliance.

OFAC, UN, EU sanctions screening

PEP & adverse media check

SEBI, RBI debarment lists

⚡ <1 second

🛡️

Fraud & Risk Signals

AI-powered fraud signals for business onboarding — shell company detection, address clustering, related party risk, and business vintage analysis.

Shell company & circular ownership detection

Registered address clustering flags

Director cross-company fraud rings

⚡ <30 seconds

🏦

Bank Account Validation

Validates the business bank account — verifying account ownership matches the registered company name before any disbursement or payment settlement.

Account holder name match verification

IFSC & bank branch validation

Account active status check

⚡ <30 seconds

🏗️

MSME / Vendor Verification

Specialised verification for MSME borrowers and enterprise vendors — Udyam registration, MSME classification, business vintage, and vendor risk profile.

Udyam registration & MSME classification

Vendor risk profile & fraud history

Business vintage & stability score

⚡ <1 minute

📡

Ongoing KYB Monitoring

Continuous post-onboarding monitoring of business clients — alerts on MCA status changes, director changes, GST deregistration, and new adverse signals.

MCA & GST status change alerts

Director appointment & resignation tracking

New litigation & sanctions alerts

📡 Real-time monitoring

⚙️ How It Works

From Business Details to KYB Decision in Under 3 Minutes

A 5-step automated pipeline — from input to structured KYB report — with zero manual verification required.

Step 1 · Input

Submit Business Identifier

Input any business identifier — GST number, CIN, or PAN. The KYB engine automatically resolves all linked company registrations and data entities from a single input.

GSTIN

CIN / MCA

Company PAN

API / Dashboard

Step 2 · Data Fetch

Multi-Source Government Data Pull

Simultaneously fetches data from MCA21 registry, GSTN, SEBI, court databases, sanctions lists, and business bureau sources — all in parallel, not sequential.

MCA21

GSTN

Courts

Sanctions DB

Step 3 · AI Mapping

AI Maps Ownership + Verifies Directors

AI engine constructs the complete ownership graph — directors, UBOs, related entities, and shareholding structure — cross-referencing DINs with identity records and flagging anomalies.

UBO Mapping

DIN Verification

Ownership Graph

Step 4 · Risk Scoring

AI Risk Score + Fraud Signal Analysis

Composite KYB risk score generated from all signals — company health, ownership complexity, sanctions exposure, litigation history, GST compliance, and business fraud indicators.

Risk Score 0–100

Fraud Signals

AML Indicators

Step 5 · Report

KYB Report + Onboarding Decision

Structured KYB report delivered via JSON API, PDF download, and webhook — with Accept / Review / Reject recommendation, risk rationale, and full audit trail for compliance review.

JSON API

PDF Report

Webhook

Audit Log

📋 KYB Intelligence Report — Sample

Company Status (MCA)

✓ Active

GST Compliance

✓ Filing Regular

Director Count

2 Directors

UBO Identified

✓ RK — 62.4%

Litigation (Company)

✓ Clear

Sanctions Screening

✓ No Flags

Business Vintage

7 Years (2018)

KYB Risk Score

14 / 100 — Low

✓ Onboarding Approved

Processing Time: 2m 48s · 8 checks completed

📋 Use Cases

KYB for Every Business Relationship

Any institution that onboards, lends to, or transacts with businesses needs KYB. SafematePlus handles every business verification use case through one unified API.

🏦

Corporate Onboarding (Banks / NBFCs)

Full KYB for corporate current accounts, business loans, and trade finance — MCA verification, UBO mapping, AML screening, and compliance documentation.

Full KYB

AML

Compliance

🏢

Vendor Onboarding

Enterprise vendor verification before onboarding — company identity, GST compliance, director checks, court records, and sanctions screening for procurement risk.

Vendor Risk

Procurement

Sanctions

🏭

MSME Lending

Automated KYB for MSME loan underwriting — Udyam registration, GST turnover, business vintage, and financial health assessment for credit decisioning.

Udyam

GST Intel

Credit

🔗

Supply Chain Verification

Verify the entire supply chain — tier-1 and tier-2 suppliers, distributors, and logistics partners — for compliance and fraud risk management at scale.

Bulk KYB

Supply Chain

Risk

🛒

Marketplace Seller Onboarding

B2B marketplace platform verification — GST registration, business legitimacy, and seller fraud detection before listing approval and payment settlement.

GST Check

Fraud

API-First

📋

Regulatory Compliance Checks

Periodic re-KYB and compliance refresh for existing business relationships — triggered on MCA status changes, new adverse signals, or scheduled review cycles.

Ongoing KYB

Refresh

RBI-Ready

🤝

Partnership Due Diligence

Pre-partnership KYB for joint ventures, reseller agreements, and channel partnerships — full ownership transparency and compliance documentation.

Due Diligence

UBO

Legal

🌍

Cross-Border Business Verification

Global KYB for foreign companies operating in India and Indian businesses with international exposure — with sanctions screening across 50+ regulatory jurisdictions.

Global

Sanctions

AML

⚖️ Comparison

SafematePlus vs Traditional KYB Process

Why compliance and risk teams are replacing manual business verification with automated KYB intelligence infrastructure.

Capability	✅ SafematePlus KYB	❌ Traditional Manual KYB
Verification Speed	Automated · <3 minutes end-to-end	Manual · 3–7 business days
Data Sources	Unified — MCA, GST, Courts, Sanctions, Bureau	Fragmented — multiple separate lookups
UBO Mapping	AI-powered ownership graph with shareholding %	Manual document review — often incomplete
Sanctions Screening	Real-time OFAC, UN, EU, SEBI, RBI lists	Periodic manual check — stale data risk
Fraud Detection	AI — shell company, circular ownership, fraud rings	Limited — basic document review only
Ongoing Monitoring	Real-time alerts on status changes	No monitoring — point-in-time only
Audit Trail	Immutable — every check documented for RBI review	Weak — scattered emails and files
Scalability	Bulk KYB API — thousands of businesses/day	Headcount-limited — bottleneck at volume

⚙️ API Reference

KYB Intelligence
as a REST API

One API call returns company identity, GST status, director list, UBO mapping, sanctions result, court records, and KYB risk score — with full documentation and sandbox in 48 hours.

🌐

Base URL

https://api.safemateplus.com/v1/

🔑

Authentication

Bearer Token (JWT) — per-client key

📡

Webhooks

POST callbacks on KYB completion / flag

📦

Bulk KYB

Batch verify 1000+ businesses async

99.9%

Uptime SLA

<3m

KYB Completion

24/7

P0 Support

Get Sandbox View Docs Talk to Engineers

REQUEST — KYB Business Verification
POST /v1/kyb/verify
Authorization: Bearer
                                    {API_KEY}
 
{
 "gstin": "27AABCT1234F1Z5",
 "cin": "U28992MH2018PTC308421",
 "modules": [
                            
 "company_identity", "gst_validation",
 "director_ubo", "sanctions",
 "court_records", "risk_score"
 ],
 "consent": "Y"
                            
}

● 200 OK — KYB Complete

response_time: 2m 48s

{

"request_id": "smp_kyb_2024xyz789",

"decision": "approved",

"kyb_risk_score": 14,

"company_status": "active",

"gst_status": "active_compliant",

"directors_count": 2,

"ubo_identified": true,

"sanctions_clear": true,

"court_records_clear": true,

"fraud_flags": [],

"audit_trail_id": "at_2024_immutable"

}

// KYB MODULES AVAILABLE

company_identity · gst_validation · director_ubo

sanctions · court_records · fraud_signals

bank_account · msme_check · ongoing_monitoring

🔒 Security & Compliance

KYB Infrastructure Built for Regulated Institutions

Designed from the ground up for banks, NBFCs, and regulated fintechs — every security and compliance decision made with India's regulatory requirements as the baseline.

🔐

AES-256 Encryption

All business data and KYB intelligence encrypted at rest with AES-256-GCM. Separate encryption keys per client tenant. Zero shared data architecture.

In Production

🗓️

Immutable Audit Logs

Every KYB check, API call, data fetch, and decision logged immutably with actor, timestamp, and data lineage. Exportable for RBI and internal compliance inspection.

RBI-Ready

👤

Role-Based Access Control

Granular RBAC for compliance analysts, risk officers, and administrators. MFA enforced. IP whitelisting available. Scoped by business unit and check type.

Zero-Trust

📋

DPDP Act Compliance

Business data processing aligned to DPDP Act 2023 — purpose-limited, consent-linked, with data principal rights supported including access and deletion.

DPDP Aligned

⚖️

RBI / AML Compliance

KYB workflows aligned to RBI Master Directions on KYC, PMLA provisions, and FATF recommendations on beneficial ownership. Full AML compliance documentation available.

PMLA Aligned

🇮🇳

India Data Residency

All business intelligence data stored within Indian data centres. Zero cross-border data transfer. Compliant with DPDP data localisation requirements.

India-Hosted

📁 Case Studies

KYB Outcomes That Move Compliance Metrics

Anonymised client results — full documentation available under NDA on request.

🏦 NBFC · Corporate Lending

Mid-size NBFC (AUM: ₹5,400 Cr)

Business onboarding time reduced 70% — compliance team capacity tripled

Onboarding TAT: 7 days → 2 hours — Automated MCA + GST + director verification

Compliance team handles 3× more cases — Same headcount, automated KYB workflow

RBI audit passed first attempt — Immutable audit trail satisfied inspection requirements

💳 Fintech · B2B Payments

B2B Payments Fintech (500+ Enterprise Clients)

Fraudulent vendor onboarding detected — ₹3.2 Cr in potential losses prevented

Shell company network detected — 14 fraudulent vendors with circular ownership flagged at onboarding

₹3.2 Cr in fraud prevented — Before any payment settlement was made

Vendor onboarding: 5 days → 20 minutes — API-first integration with payment platform

🏦 Private Bank · Corporate Onboarding

Regional Private Bank (400+ Branches)

Compliance audit readiness improved — zero KYB deficiencies in RBI inspection

Zero KYB deficiencies in RBI audit — Complete digital KYB trail vs. paper-based gaps before

UBO mapping compliance: 0% → 100% — All corporate accounts now have documented ownership structure

Ongoing monitoring active — Real-time alerts on MCA and GST status changes for all clients

💬 What Compliance Leaders Say

Trusted by Risk & Compliance Decision-Makers

★★★★★

"The UBO mapping module was the differentiator. Our RBI inspection had cited us for incomplete beneficial ownership documentation on corporate accounts. SafematePlus's automated ownership graph closed that gap entirely — our next audit found zero KYB deficiencies. The immutable audit trail is exactly what regulators want to see."

Vijay Ramachandran

Head of Compliance · Private Sector Bank

★★★★★

"We caught 14 shell companies in the first month of deployment — all passing our manual verification before. The AI's circular ownership detection found patterns our compliance team would never have identified manually. That fraud prevention alone justified the entire annual cost of SafematePlus KYB within 30 days."

Ananya Shetty

Chief Risk Officer · NBFC

★★★★★

"We onboard 200+ business vendors per month. Before SafematePlus, each took 5 days of manual MCA checks, GST lookups, and director verification. Now it's 20 minutes, automated. The API integration with our procurement platform took 2 weeks. Our compliance team went from doing KYB to reviewing exceptions — a complete shift."

Rohan Kulkarni

COO · B2B Fintech Platform

Verify Businesses Instantlywith AI-Powered KYBIntelligence

Verify Businesses Instantly
with AI-Powered KYB
Intelligence