Explore the evolving landscape of business verification in 2026 with this comprehensive Sumsub report: Complete Guide to Business Verification (KYB) 2026
As regulatory pressure increases and fraud schemes grow more sophisticated, KYB is no longer a box-ticking exercise. With 170 countries now implementing beneficial ownership requirements (as noted in the Executive Summary), this guide explains how businesses can meet global AML standards while maintaining onboarding speed and operational efficiency.
The report breaks down KYB compliance requirements across the US, UK, EU, Asia Pacific, and Latin America, covering UBO thresholds, AML screening obligations, ongoing monitoring, and record-keeping expectations. It also highlights common challenges such as fragmented registry data, complex ownership structures, false positives, and AI-generated document fraud.
You’ll discover what a robust KYB process truly consists of — from company identification and registry checks to UBO verification, AML screening, risk scoring, ongoing monitoring, and manual due diligence for high-risk cases. The guide also explains how automation and risk-based workflows can reduce onboarding time to seconds for straightforward cases, while routing complex structures to expert review.
Featuring a detailed overview of Sumsub’s modular KYB approach — including registry checks in 220+ countries, automated document extraction, integrated UBO verification, continuous AML monitoring, and on-demand compliance support — this report demonstrates how modern verification technology can balance compliance, fraud prevention, and business growth.
What you’ll learn:
- Key global KYB and AML requirements across major jurisdictions
- How to identify and verify UBOs in complex ownership structures
- How to reduce false positives and improve risk scoring
- How to combine automation with manual review for scalable compliance
- How to design a risk-based KYB workflow that meets regulatory expectations
Perfect for:
Compliance officers, fintech founders, payment providers, crypto platforms, risk managers, and marketplaces looking to strengthen business onboarding while staying aligned with global AML regulations.
