# KYC/KYB Requirements **We are trying to request everything from the very beginning in one go in order to avoid going back and forth in the future.** **Please note that all requested documents/ information below are obligatory for an initial submissions and their provision ensures the fastest onboarding time frame.** *** ## **COMPANY APPLICATION** 1\) Company data: 1. Company Telephone Number (with a country code) 2. Company Email Address 3. Website Address\ \- if not available, please state the reason for this and explain how you promote your services and attract new customers in this case; please advise if you have an existing clients pool and where from; please share marketing materials and/ or business plan (if available); 4. **6 digits NAICS code** and its title [https://www.naics.com/search](https://www.naics.com/search/) \ \- requested for **each** applicant company regardless the incorporation country) 5. Company Registered **and** Physical address (street, house number, city, state/region, country ISO code, zipcode) 6. Description Of Business Nature (minimum 120 symbols) 7. Company TIN (if available) / EIN (**obligatory** for the US companies) 2\) Incorporation Document (Certificate of incorporation or equivalent) 3\) Articles of Incorporation OR/AND Memo (or equivalent) 4\) Directors register (if it’s not shown in the above documents) 5\) Shareholders register (if it’s not shown in the above documents) 6\) (If applicable) Additional ownership layers above * **We would need the following from the parent company(ies) to track the ownership “from bottom to top” (open the toggle list):** A) Certificate of incorporation B) Shareholder register ; C) Corporate structure chart;
7\) Corporate proof of address dated within 90 days - Bank Statement or Utility Bill or Lease Agreement (if unavailable, please provide the reason) 8\) Corporate bank statement with activity for the last 90 days (if unavailable, please provide the reason) 9\) Filled in questionnaire (attached) {% file src="/files/abCgAKe98SjtHD8k481H" %} 10\) Proof of Business Activity\ Bundle of contracts and invoices relating to **2 recent transactions** conducted by the company, or equivalent supporting document (if unavailable, please provide the reason) 11\) Financial Statement (if unavailable, please provide the reason)
12) (If applicable) FI INQUIRY
If your company is a financial institution or you need a license to perform activities such as payment services, investment advice, insurance, casino etc. please provide the following (open the toggle list): 1. License/ Registration confirmation 2. AML/ CFT policy - Sanctions Policy and Risk Score Matrix should be included 3. **Audited** Financial Statements (if not available please share the reason) 4. Most recent AML **audit** report (if not available please share the reason) In place of a finalized external audit, we can usually accept one or more of the following: * A confirmed audit timeline * An independent internal review conducted by a qualified individual who is not involved in day-to-day AML operations * A gap analysis or readiness assessment from an external compliance consultant confirming the framework is audit-ready * Evidence of current regulatory standing, including active registration and a clean record with the relevant regulator. 5. MLRO / Compliance Officer - CV 6. Crypto wallet addresses (if applicable) 7. Wolfsberg questionnaire\ We may accept one completed within the last 6 months given no changes in MLRO and no material changes since completion (including products, services, jurisdictions, ownership, or AML framework) {% file src="/files/MeUb5rwUBc9Bn2GbYqEv" %}
**For all directors and UBOs (above 25%):** 13\) Proof of Identity - passport of both sides of ID card * Please kindly note that we do **not** accept Driver License as an identity confirmation. 14\) Individual proof of address dated within 90 days, it can be utility bill, bank statement or lease agreement 15\) UBO's source of wealth confirmation by providing an individual bank statement (with transactional history for the last 90 days) * Where the source of wealth is **not** clearly evidenced within the transactional history, please additionally provide supporting documentation confirming the origin of funds, such as salary payments, dividends, investment proceeds, business income, property sale proceeds, tax returns, employment contract, brokerage statements, or other relevant SOW documentation. 16\) Identity verification via SumSub * or a SumSub **liveness** report for BAASes not older than 6 months 17\) Personal data: * Full Address in text (street, house number, city, state/region, country ISO code, zipcode) * Personal email * Personal telephone number (with a country code) * TIN or equivalent // SSN (SSN is **obligatory** for the US residents) * (if applicable) UBOs Percentage Ownership ## **INDIVIDUAL APPLICATION** 1\) Proof of Identity - passport of both sides of ID card * Please kindly note that we do **not** accept Driver License as an identity confirmation. 2\) Identity verification via SumSub * for BAAS clients - a SumSub **liveness** report not older than 6 months 3\) Individual proof of address dated within 90 days, it can be utility bill, bank statement or lease agreement 4\) UBO's source of wealth confirmation by providing an individual bank statement (with transactional history for the last 90 days) * Where the source of wealth is **not** clearly evidenced within the transactional history, please additionally provide supporting documentation confirming the origin of funds, such as salary payments, dividends, investment proceeds, business income, property sale proceeds, tax returns, employment contract, brokerage statements, or other relevant SOW documentation. 6\) Filled in questionnaire (attached) {% file src="/files/X1vPa55O8fKMhgLU1UQC" %} 7\) Personal and other data: * Address (street, house number, city, state/region, country ISO code, zipcode) * Personal email * Personal telephone number (with a country code) * TIN or equivalent // SSN (SSN is **obligatory** for the US residents) * Primary source of your funds description? (1-2 sentences) * Employment: * Employment status (employee; self-employed; unemployed; retired; other) * Employment description (1-2 sentences) * Employer name * Occupation --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.delos.financial/baas-wiki/basics/kyc-kyb-requirements.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.