The stakes

The textbook story of business fraud is a fake company name. The real story is more boring. The company name is fine. The registry record exists. The trick sits in the smaller fields. The "headquarters" is a shared serviced office that doesn't actually house the business. The director on the application is a borrowed name attached to dozens of unrelated entities. The application passes the easy checks and fails only later, when the money has moved.

KYB platforms that want to catch that pattern have to verify the boring fields, not the headline ones. Specifically: is this company actually at this address, and is this person actually a registered director of this company. At scale, in every market the customer operates in, against ground-truth registry data.

The mandate

Sumsub runs KYC and KYB checks for thousands of fintechs, exchanges, and platforms around the world. To make their KYB flow do more than rubber-stamp the application form, they needed two specific things. Statutory address verification, confirming the address on a registration matches the official registry rather than a recycled shared office shell. Director verification, confirming the person named is actually on the registry as a director or officer, and surfacing the other companies they appear in.

Both checks had to be live, accurate, and broad enough to cover Sumsub's customer base, which is global.

What we supply

A registry-sourced layer for both. On the address side, 350 million statutory company addresses from official registries across 200+ markets. Each address tied to the company record it belongs to, so Sumsub's checks can match against the truth rather than a third-party aggregation.

On the director side, current and historic director and officer records, with their other appointments surfaced. A check against a director's name returns not just "yes, registered for this company," but every other entity that director sits on. That is the field where the patterns show up.

Both layers refresh against the source rather than sitting on stale snapshots. When a director is added or removed, or a company moves, the data moves with it.

What changed

Sumsub's KYB flow stops at the boring fields with the same confidence as the headline ones. The shared-office shell pattern shows up. The serial nominee director shows up. Applications that look clean on the form but fail against the registry get caught at onboarding instead of after the loss.

For Sumsub's customers, that means fewer surprises in the portfolio. For Sumsub, it means the KYB product does the work the marketing says it does.

Why it matters

A fraudulent company looks legitimate until you check the address and the director against the registry. We give Sumsub the registry.

KYC at registry speed

Mapping the attack surface attackers actually see

UBO checks where the paperwork is hardest

Verifying the address and the director, at scale

KYB at bulk scale, in the markets where bulk is hardest

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