← Underwriting Intelligence Layer 02 · KYB / KYC Verification

Counterparty
Risk, Verified

The data is structured, but structured isn't the same as trusted. Before an application reaches a score, KYB / KYC verification confirms the counterparty is real, compliant, and who they claim to be, in real time and against trusted sources. Nothing passes to scoring until it's been checked.

Talk with an expert → See the full sequence
One solution: Underwriting Intelligence. Three interconnected layers, sequenced risk-first.
01
Intake Integrity
Automated application intake
→
02
Counterparty Risk, Verified
KYB / KYC
→
03
Risk Decisioning
Custom credit scoring models
The challenge

/Manual verification is slow, and inconsistent

Due diligence done by hand doesn't scale, and every inconsistency is exposure:

  • 01Manual info validation slows deal approval cycles.
  • 02Inconsistent verification exposes risk and liability.
  • 03Scaling across portfolios is labor-intensive and error-prone.
Solution

/Frictionless Due Diligence

Every check, one place, in real time. Instant Due Diligence automatically aggregates and validates data from critical compliance sources: centralized, real-time, and repeatable, aligned to your internal policies.

01

Centralized

All KYB / KYC checks in one place, with no jumping between tools or tabs.

02

Instant

Real-time verification pulled from multiple trusted sources, on submission.

03

Repeatable

Scalable, consistent checks aligned with your credit policy across every portfolio.

Key data sources

OFAC Secretary of State FMCSA SAFER TIN Verification Address Validation Satellite Imagery Digital Footprint

Fully customizable

Add rules that match your credit policy and plug in the sources your due diligence needs, so the checks fit your risk framework, not the other way around.

Impact

/Maximize compliance

Centralize every check and mitigate risk on every counterparty before it ever reaches a credit decision. And because verification runs on lower-cost government and public data, it doubles as a filter: weed out the applicants you'd never approve before you pay for credit-risk data.

Streamlined workflow

All checks in one place, so there is less manual work and faster processing.

Instant verification

Real-time KYB / KYC from multiple sources at once.

Risk mitigation

Automatic OFAC, SOS, and critical database checks on every counterparty.

Policy enforcement

Rule-based compliance aligned with your internal policies.

Transparency

Full step traceability for audits and accountability on every verification.

Scalability

Standardized processes that support portfolio growth without added overhead.

A layer of Underwriting Intelligence

Risk-first credit decisioning, built for your business.

See the full solution →
The sequence

/Where this layer sits

← Previous layer

01Intake Integrity

Verification only works on data that's already captured and structured. Layer 01 delivers that clean input, the reliable starting point every check runs against.

Revisit Layer 01 →
You are here

02Counterparty Risk, Verified

This layer. Every counterparty confirmed real, compliant, and who they claim to be, before anything reaches scoring.

Feeds into →

03Risk Decisioning

Verified counterparties mean the scoring layer works on facts, not claims. Whatever enters Layer 03 has already been confirmed real and compliant.

Explore Layer 03 →

Talk with an expert

Tell us about your portfolio and the credit problems you're wrestling with.
We'll show you what underwriting intelligence, built around your book, actually looks like.

FAQ

/KYB / KYC for equipment finance, answered

What's the difference between KYB and KYC in equipment finance? +
KYC (Know Your Customer) verifies an individual's identity; KYB (Know Your Business) verifies the business entity itself: its legal existence, registration, ownership and standing. In commercial equipment finance the counterparty is usually a business, so KYB is central, with KYC applied to guarantors and principals. Kin runs both before the credit decision.
Which checks does Kin run? +
Kin runs real-time checks against government and public data sources, all in one place: business registration and standing, sanctions and watchlist screening, TIN and ID verification, and address validation. Industry-specific sources plug in where they matter, for example FMCSA and SAFER for transportation, or professional license lookups for regulated fields like medicine, law, accounting, and architecture. Kin also verifies the asset itself, including its current market value, so both the counterparty and the collateral are confirmed before a decision. We add or swap sources to fit your due-diligence process.
Can checks be aligned to our credit policy? +
Yes, the platform handles all of it. We work with you to establish the initial rules, then run analyses that fine-tune them over time, directly in the system. Checks stay repeatable and consistent across every portfolio, with full step traceability for audits.
What do analysts receive at the end of verification? +
A detailed KYB report, complete with satellite images, every source verified and validated, so your team moves into underwriting on confirmed facts, not claims it has to take on trust. You can integrate external data sources and apply your own credit-policy rules, so every report reflects how your team actually underwrites.
Where does verification sit in the underwriting sequence? +
Before you spend a dollar on credit-risk data. KYB and KYC run on lower-cost government and public data, so they act as a filter: weed out the applicants you'd never approve before you pay third parties for credit data. It's also where you confirm you're about to run a credit check on the right entity, is a personal guarantor missing, or are you actually dealing with a lookalike company down the street attempting fraud? Those questions get answered first. In Kin's sequence that makes verification Layer 2: it comes after Intake Integrity captures clean, structured data and runs before Risk Decisioning.

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