> ## Documentation Index
> Fetch the complete documentation index at: https://docs.younegotiate.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Business Verification/KYB

> Process for verifying a business entity's identity and legitimacy within the Creditor Portal, ensuring compliance with regulatory requirements and mitigating risks associated with fraudulent activities.

## Purpose

Business Verification/KYB confirms that the creditor company is a valid business before sensitive billing, merchant, and consumer account workflows are enabled.

## How It Should Work

* It should collect the business details required for verification.
* It should submit verification data to the approved verification provider.
* It should show a clear pending, approved, or failed verification state.
* It should keep verification results attached to the correct creditor company.

## How It Should Not Work

* It should not allow one creditor to view or reuse another creditor's verification data.
* It should not treat pending verification as approved.
* It should not silently ignore failed verification responses.
* It should not expose sensitive business identity data to unauthorized users.

## Developer Notes

* KYB state can affect membership activation, merchant onboarding, and payment readiness.
* Preserve provider responses and status changes for audit and support review.