Tag: kyb
7 posts
Building a credit-decision pipeline — the queries we see most
After running thousands of verification calls across credit pipelines, a small set of query shapes account for the bulk of usage. Here's what they look like and what they're for.
One API call vs three providers — the math for a credit pipeline
Stitching a separate SOS provider, FMCSA provider, and OFAC provider together is a real engineering tax. The math usually favors a single bundled call.
Beneficial ownership under the CTA — what changes and what doesn't
The Corporate Transparency Act requires most US entities to file beneficial-ownership reports with FinCEN. For non-bank verification, less changes than you'd hope.
Shell entity patterns — the five statistical tells
Shell entities follow a consistent pattern across formations. The five tells aren't dispositive individually but combine into reliable signals.
CT Corporation" appearing isn't a red flag — here's what is
A registered-agent service on an entity record is the default, not a warning sign. The actual red flags are subtler — and most processors look at the wrong things.
OFAC's 50% rule — what "indirectly owned" actually catches
A clean OFAC SDN screen doesn't mean an entity is OFAC-clear. The 50% rule blocks ownership chains nobody can see on the public list.
Why the Texas Comptroller PIR is the best free owner-graph signal in the country
Texas requires a Public Information Report on every franchise-tax filing — making the Comptroller, not the SOS, the strongest free source of officer data nationally.