Verification Requirements: Rest of World
If your business is registered outside of Nigeria, Ghana, or Kenya, this article covers everything you need to complete KYB verification. The documents required depend on how your business is structured, so review the relevant section below and gather your documents before starting the process.
Sole Proprietorships & Partnerships
You’ll need:
State registry excerpt, Partnership Deed, or equivalent business registration proof
Official business registration evidence (country-specific equivalent)
Proof of business address (not older than 3 months)
Bank statement (last 6 months) or Audited Financials
LLC / Private Limited Company
You’ll need:
Certificate of Incorporation
Memorandum & Articles of Association
Shareholder register showing Ultimate Beneficial Owners (UBOs holding 10% or more)
Official register of directors
Proof of business address (not older than 3 months)
Bank statement (last 6 months) or Audited Financials
Recent registry excerpt or certificate of incumbency (where applicable)
NGO / Charity
You'll need:
Certificate of Incorporation or Registration Certificate
Governing document (Constitution, Trust Deed, or Articles)
Status report of trustees and board members
A clear description of your principal activities
Proof of business address (not older than 3 months)
Bank statement (last 6 months) or Audited Financials
Regulatory approval documents, if applicable in your jurisdiction
Directors, Ownership & The Organogram Rule
For every Director and UBO (anyone owning 10% or more of the business), you'll need to provide:
Valid identification: International Passport or Driver's Licence
Personal proof of address (see accepted documents below)
If your business is owned by other corporate entities, such as a holding company, you'll also need to provide an organogram: an ownership chart that maps from your business through every intermediate layer to the final individual owners.
Regulated Industries (DNFBP)
Certain industries are classified globally as Designated Non-Financial Businesses and Professions (DNFBPs). If your business falls into one of these categories, you may be required to provide additional anti-money laundering (AML) clearances (such as a SCUML certificate in relevant Regions).
This includes businesses such as:
Professional Services: Audit Firms, Tax Consultants, Notaries, and Trust & Company Service Providers.
Real Estate & Construction: Real Estate Agents, Estate Developers, Estate Brokers, Mortgage Brokers, and Construction Companies.
Luxury & High-Value Trading: Dealers in Jewelry, Precious Metals and Precious Stones, Luxury Goods, and Mechanized Farming Equipment.
Automotive Industry: Importers and Dealers in Automobiles, and Car Dealers.
Hospitality & Leisure: Hotels, Casinos (land-based and online), Gaming Operators, and Pool Betting/Lottery Operators.
Social & Community: NGOs (Non-Governmental Organisations), Charities, and Religious Organisations (where applicable).
Retail: Supermarkets (large-scale operators).
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