> For the complete documentation index, see [llms.txt](https://docs.delos.financial/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.delos.financial/baas-wiki/basics/kyc-kyb-requirements.md).
# 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**
### Business data:
\- Company name and Trading name.
\- Incorporation country.
\- Incorporation number.
\- Incorporation date.
\- Tax ID / EIN (for US).
\- Company email and phone number (with a country code).
\- Website (if not available, a description of how you promote your services, attract new customers, and engage with existing customers).
\- Company’s registered and physical addresses (street, house number, city, state/region, ZIP code, country).
\- Top 3 primary countries from/to which your business sends and receives funds.
\- What is your company’s primary industry?
\- 6-digit NAICS code NAICS code and NAICS code description ().
\- Detailed description of business activity (3-4 sentences).
\- Expected monthly transaction volume (USD).
\- Which Delos products/services will company use?
\- Company’s source of wealth: a brief description of how the company accumulated its assets over time.
\- For each significant UBO: source of wealth description (brief explanation of how each UBO accumulated their personal wealth and what their ongoing source of wealth is).
\- What is the main origin of the funds that will be held and transacted through Delos?
\- Approximate total value of the business (USD).
\- Account flow of funds (B2B/C2B/B2C).
\- 3 main counterparties for incoming and outgoing payments (name, country). \
If counterparties are not yet established, please explain why.
\- What is the primary purpose of using Delos services?
\- Description of typical customer profile.
-Personal data of directors, UBOs (above 25%; or less than 25% but only in complex corporate structures), and authorized signatories:
* First name, last name;
* Date of birth;
* Personal email;
* Personal phone number (with a country code);
* Percentage ownership of each UBO.
### Documents:
1\) Certificate of incorporation or equivalent.
2\) Articles of Association and/or Memorandum of Association or equivalent.
3\) Corporate proof of address dated within the last 90 days - bank statement / utility bill / lease agreement.\
If unavailable, please provide the reason.
4\) Directors register.
5\) Shareholders register.
6\) If applicable, for complex structures - where the applicant company is owned directly or indirectly by one or more legal entities, the full ownership chain must be disclosed up to the ultimate beneficial owners and minority shareholders:
* 6.1) Shareholder register of each parent company;
* 6.2) Full group structure / ownership chart.
7\) Corporate bank statement showing activity for the last 90 days.\
If unavailable, please provide the reason.
8\) Financial statement - latest balance sheet, profit and loss statement, and cash flow statement.\
If unavailable, please provide the reason.
9\) Evidence of business activity - the relevant contracts and invoices for **two** recent transactions involving services provided by the company, or equivalent supporting documents.
10\) UBOs’ Source of Wealth - bank statement with activity for the last 90 days and/or alternative SOW confirmations such as a tax return, an employment agreement, or payslips.\
If unavailable, please provide the reason.
11\) Verification via Sumsub for individuals.
* For BaaS-partners only: third-party KYC vendor report with liveness check not older than 6 months.
12\) If applicable, additional documents for insurance or sector-regulated companies:
Examples:\
-insurance and reinsurance companies; \
-real estate brokers or property agencies (where necessary); \
-dealers in precious metals or precious stones (where necessary); \
-legal, accounting, or audit firms; \
-healthcare or pharmaceutical businesses; \
-telecommunications network operators; \
-other regulated activities.
* 12.1) Regulatory licence / registration certificate.
13\) If applicable, additional documents for other financial institutions or gambling businesses:
Examples:\
-MSB, Money or Value Transfer Services; \
-licensed gambling, betting or online gaming operators; \
-broker-dealers, securities firms; \
-funds, fund managers, asset managers; \
-payment institutions, electronic money institutions; \
-VASPs, CASPs and cryptocurrency exchanges.
* 13.1) Regulatory licence / registration certificate
* 13.2) AML/KYC policy and risk assessment summary
* 13.3) Wolfsberg Financial Crime Compliance Questionnaire required for:
* Money Services Businesses (MSB) and Money or Value Transfer Services (MVTS);
* Broker-Dealers and Securities Firms;
* Payment Institutions (PI) and Electronic Money Institutions (EMI);
* Virtual Asset Service Providers (VASPs), Crypto-Asset Service Provider (CASPs) and Cryptocurrency Exchanges.
*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)*
* 13.4) MLRO / AML Compliance Officer CV.
## **INDIVIDUAL APPLICATION**
1. Personal information:
* First name/ Middle name/ Last Name
* Email
* Tax ID (or relevant Tax identification number)
* Contact number
* Employment status
* Employer or business name
* Occupation / job title
2\. Identity verification: proof of identity, liveness check, proof of address.
* For BaaS-partners only: proof of identity, proof of address, third-Party KYC vendor report with liveness check not older than 6 months.
#### Questionnaire:
3\) Confirmation of whether any of the following higher-risk industries are involved: Adult Content / Adult Services, Controlled Substances (excluding licensed cannabis), Firearms / Weapons (licensed only), Gambling / iGaming / Betting, Cannabis / CBD (licensed only), Virtual Asset Mixing / Tumbling Services, or Other.
4\) Detailed description of professional or business activity.
5\) Primary source of funds to be used with Delos (e.g., salary, business income, savings, investment income, sale of assets, inheritance, pension, or loans).
6\) Description of how overall wealth was accumulated.
7\) Description of the expected flow of funds through the account (B2C, C2C).
8\) Up to 3 main counterparties for incoming and outgoing payments, including names and countries; if counterparties have not yet been established, an explanation is required.
9\) Expected monthly transaction volume (USD).
10\) Which Delos products/services will be used.
#### Documents:
11\) Source of Wealth: bank statement with activity for the last 90 days and/or alternative SOW confirmations such as a tax return, an employment agreement, or payslips (If unavailable, please provide the reason).
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