KYC/KYB Hooks

info

Active portfolio classification — 2026-07-25 [D]. KYC/KYB Hooks is a pre-launch onboarding-integration capability inside Skyzai Work, not an independent SKU, package, identity verifier, or authority source. Product, pricing, commercial-page, and standalone-launch language below is preserved design history; linked routes are compatibility coordinates, not deployment or regulated-provider proof.

Status: pre-launch. This page describes target design; this document does not establish a deployed service.

Scope: proposed onboarding-integration capability in the Skyzai Work package; any Personal use needs separately scoped acceptance. Personal and Work are two app/commercial packages for seven product owners, not two owners themselves. This is not a standalone SKU. See The Product Family.

Surface: kyc.skyzai.com (declarative) Catalog route: skyzai.com/products/kyc-kyb-hooks/ Status: SPEC Evidence tier: [D] — schema + hook events specified; first external integration is the proof gate (re-tiered [B]→[D] 2026-07-03 per TIER_MERGE_GATE: a spec/draft is not an observed run; [B] requires a dated reproducible receipt) Source canon: (private, unpublished)

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What KYC/KYB Hooks Are

KYC/KYB Hooks are an integration layer — not a regulated identity provider. They:

1. Capture structured onboarding evidence from entities and individuals
2. Route checks to verified third-party KYC/KYB providers
3. Emit structured evidence packets with provider receipts
4. Export compliance-ready audit trails

Critical boundary: Skyzai does not claim to be a regulated KYC/KYB provider unless counsel explicitly ratifies that path. This service is plumbing, not the pipe.

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Architecture

┌─────────────┐     ┌─────────────┐     ┌─────────────┐     ┌─────────────┐
│  Onboarding │────▶│  Evidence   │────▶│  Provider   │────▶│  Provider   │
│  Intake     │     │  Capture    │     │  Router     │     │  (3rd party)│
└─────────────┘     └─────────────┘     └─────────────┘     └─────────────┘
       │                     │                     │                     │
       │                     ▼                     ▼                     ▼
       │              ┌─────────────┐     ┌─────────────┐     ┌─────────────┐
       │              │  EvoNet     │     │  Provider   │     │  Provider   │
       │              │  SHOULD NOT │     │  Receipt    │     │  Response   │
       │              └─────────────┘     └─────────────┘     └─────────────┘
       │                     │                     │                     │
       │                     ▼                     ▼                     ▼
       │              ┌─────────────┐     ┌─────────────┐     ┌─────────────┐
       └─────────────▶│ Sovereign   │     │  Evidence   │     │  OFN        │
                      │ Gate (PRISM)│     │  Packet     │     │  Receipt    │
                      └─────────────┘     └─────────────┘     └─────────────┘

The Sovereign Gate routes public-DAV high-risk checks through a complete valid bound PRISM decision receipt from the signer(s) required by applicable law, the entity's governing instrument, or a valid competent mandate binding the exact consequence. PRISM records and verifies only; AI/caste seats remain unsigned. Any Legal Person check still requires lawful external authority and the executors required by jurisdiction, with counsel conditional.

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Evidence Capture Schema

Individual (KYC)

{
  "check_type": "kyc_individual",
  "subject": {
    "full_name": "...",
    "date_of_birth": "...",
    "nationality": "...",
    "residential_address": "..."
  },
  "documents": {
    "id_document": {"type": "passport", "hash": "..."},
    "proof_of_address": {"type": "utility_bill", "hash": "..."}
  },
  "self_attestation": {
    "timestamp": "...",
    "declaration": "I confirm the above is true..."
  }
}

Entity (KYB)

{
  "check_type": "kyb_entity",
  "entity": {
    "legal_name": "...",
    "incorporation_jurisdiction": "...",
    "registration_number": "...",
    "business_address": "..."
  },
  "ubo": [
    {"name": "...", "ownership_percentage": "25%", "verification_status": "..."}
  ],
  "directors": [...],
  "documents": {
    "certificate_of_incorporation": {"hash": "..."},
    "articles_of_association": {"hash": "..."}
  }
}

---

Provider Routing

Supported Providers

Provider	Capabilities	Regions	Status
Onfido	Document verify, biometric	Global	Planned
Jumio	KYC, KYB, AML	Global	Planned
Trulioo	Global identity verify	195+ countries	Planned
Shufti Pro	KYC, KYB, video KYC	Global	Planned

Routing Logic

def route_check(evidence: dict) -> Provider:
    # Jurisdiction-based routing
    if evidence["jurisdiction"] in EU:
        return Provider.GDPR_COMPLIANT

    # Risk-based routing
    if evidence["risk_score"] > 0.7:
        return Provider.ENHANCED_DUE_DILIGENCE

    # Default routing
    return Provider.STANDARD

---

API Specification

POST /v1/kyc/checks

Submit individual KYC check.

Request:

{
  "check_type": "kyc_individual",
  "subject": {...},
  "documents": {...},
  "provider_preference": "onfido"
}

Response:

{
  "check_id": "kyc_2026_abc123",
  "status": "pending",
  "provider": "onfido",
  "estimated_completion": "2026-05-09T14:00:00Z",
  "webhook_url": "https://..."
}

POST /v1/kyb/checks

Submit entity KYB check.

GET /v1/checks/{id}

Retrieve check status and results.

GET /v1/checks/{id}/export

Export compliance-ready evidence packet.

---

Evidence Tiers

Evidence description	What would support it
Design/specification [D]	Defined schema and hook events; scaffolds are not observed integrations
Local test evidence	Dated reproducible sandbox-provider test receipt; not live adoption
Observed run [B]	Dated reproducible integration/run receipt within its declared scope
Independent verification [E]	Authorized external use plus independent provider/outcome evidence

Current documented status: design/specification [D]. A fixture or scaffold is not a provider-integration receipt. Counsel correspondence is not automatically a structural/algebraic [A] result.

---

What This Service Is NOT

• Not a regulated KYC/KYB provider
• Not a financial institution
• Not a legal identity verifier
• Not an AML/CFT compliance officer
• Not a screening guarantee or compliance attestation
• No legal-compliance guarantee for the buyer's jurisdiction

What This Service IS

• An integration layer between your onboarding flow and verified providers
• An evidence capture and routing system
• An audit trail generator
• A pass-through cost handler (provider fees pass through without markup)

---

η = 0 Compliance

Chargeable	Not Chargeable
Integration setup	Provider check fees (pass-through)
Evidence routing	Identity verification itself
Controls and monitoring	Regulatory attestation
Support	Compliance guarantee

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Cross-links

• Product page: /products/kyc-kyb-hooks/
• Buyer deck: /products/kyc-kyb-hooks/deck/
• Resource room: /products/kyc-kyb-hooks/resources/
• Access form: /products/kyc-kyb-hooks/access/
• Adjacent canon: API Pay (P0), API contracts (35), Wallet Boundaries (P3)
• Source markdown: (private, unpublished)
• Validator code: (private, unpublished)

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Historical predecessor wording — retained on 2026-09-27, not active rules

The displaced passages are preserved verbatim for lineage. This retention date is not their original authorship date.

Predecessor passage 1

Tier	Claim	Required Evidence
[I]	KYC/KYB Hooks architecture is defined	Design document, API spec
[B]	Provider routing works in test	Integration tests with sandbox providers
[E]	External customer uses KYC/KYB Hooks	Customer integration proof, provider receipts
[A]	KYC/KYB Hooks used in regulated context	Counsel opinion, regulatory correspondence

Current status: [B] — schema + hook events specified; reference adapter scaffolds exist; first external integration is the proof gate.