发现所有所有者。验证每个 UBO。

Didit is infrastructure for identity and fraud, the platform we wished existed when we were building products ourselves: open, flexible, and developer-friendly, so it works as a real part of your stack instead of a black box you integrate around.

One API covers verifying people (KYC, know your customer), verifying businesses (KYB, know your business), screening crypto wallets (KYT, know your transaction), and monitoring transactions in real time, on a stack built to be:

• Fast, sub-2-second p99 on every session
• Reliable, in production with 1,500+ companies across 220+ countries
• Secure, SOC 2 Type 1, ISO 27001, GDPR-native, and formally attested by Spain's financial regulator as safer than verifying someone in person

The footprint underneath: 14,000+ document types in 48+ languages, 1,000+ data sources, and 200+ fraud signals on every session. The Didit infrastructure dynamically learns from every session and gets better every day.

An Ultimate Beneficial Owner (UBO) is the natural person who ultimately owns or controls a company, not the company on the registry, not a holding entity in the middle of the chain, the actual human at the top.

The standard threshold in most jurisdictions is 25% direct or indirect ownership, or anyone who exercises control without ownership (board control, voting rights, signing authority). When no one clears the threshold, regulators expect you to fall back to a senior management UBO, typically the CEO or managing director.

The point of UBO discovery is to stop bad actors from hiding behind layers of holding companies. Your obliged entity owes a verified human for every company you onboard.

Almost every anti-money-laundering regime in the world. The current heavy-hitters:

• The EU AML package, the new Anti-Money-Laundering Regulation, the AML Directive 6 update, and the AMLA Regulation that creates the new EU-level supervisor. Customer due diligence on legal entities is the core of it.
• FATF Recommendation 24, the global UBO standard every G20 country signs onto. Mutual evaluations now grade countries on how well their UBO registries work.
• United States, FinCEN's Customer Due Diligence Rule plus the Corporate Transparency Act's Beneficial Ownership Information report.
• United Kingdom, the People with Significant Control register on Companies House plus FCA rules for regulated firms.

The shape of the obligation is the same everywhere: identify the natural person behind the company, run identity and AML checks on each, refresh on a risk-based cadence.

The full flow normally takes under 30 seconds end-to-end, pick up the ID, snap the document, snap the selfie, done. That is the fastest in the market. Legacy KYC providers usually take more than 90 seconds for the same flow.

On the back end, Didit returns the result in under two seconds at p99, measured from the moment the user finishes the selfie to the moment your webhook fires. Mobile capture is tuned for slow phones and slow networks: progressive image compression, lazy software development kit load, and a one-tap hand-off from desktop to phone via QR code if the user starts on web.

The registry tells you the company exists, who the officers are, and what the share capital says, it does not tell you who actually controls the business.

Three gaps the registry won't close:

• Nested holdings, Acme Trading SL is owned 60% by Acme Holdings BV, which is owned 80% by a Cayman company, which is owned by a trust. The registry shows the first layer; you owe the human at the end of the chain.
• Control without ownership, voting agreements, golden shares, nominee arrangements all transfer control without showing on the cap table.
• Stale data, registries lag months behind real ownership changes. A shareholder agreement signed yesterday will not appear for weeks.

A proper UBO process walks the chain, surfaces every person above the threshold, and verifies each one. The registry is the entry point, not the answer.

Every session lands on one of seven clear statuses, so your code always knows what to do:

• Approved, every check passed. Move the user forward.
• Declined, one or more checks failed. You can allow the user to resubmit the specific failed step (for example, re-take the selfie) without re-running the whole flow.
• In Review, flagged for compliance review. Open the case in the console, see every signal, decide approve or decline.
• In Progress, user is mid-flow.
• Not Started, link sent, user has not opened it yet. Send a reminder if it sits too long.
• Abandoned, user opened the link but did not finish in time. Re-engage or expire.
• Expired, the session link aged out. Create a new session.

A signed webhook fires on every status change, so your database always stays in sync. Abandoned and declined sessions are free.

Production data is processed and stored in the European Union by default, on Amazon Web Services. Enterprise contracts can request alternative regions for jurisdictions whose regulators require it.

Encryption everywhere. AES-256 at rest across every database, object store, and backup. Transport Layer Security 1.3 in transit on every API call, webhook, and Business Console session. Biometric data is encrypted under a separate Customer Master Key.

Retention is yours to control. Default retention is indefinite (unlimited) unless you configure shorter, between 30 days and 10 years per application, and you can delete any individual session at any time from the dashboard or the API.

Certifications: SOC 2 Type 1 (Type 2 audit in progress), ISO/IEC 27001:2022, iBeta Level 1 PAD, and a public attestation from Spain''s Tesoro / SEPBLAC / CNMV that Didit''s remote identity verification is safer than verifying someone in person. Full report at /security-compliance.

Didit ships compliant by default for the regulators that matter to identity infrastructure:

• GDPR + UK GDPR, controller / processor split, full Data Processing Agreement published, lead supervisory authority named (Spain''s AEPD).
• AMLD6 + EU AML Single Rulebook, 1,300+ sanctions, politically exposed person, and adverse-media lists screened in real time.
• eIDAS 2.0, EU Digital Identity Wallet aligned; reusable-identity ready.
• MiCA (Markets in Crypto-Assets), ready for crypto on-ramps, exchanges, and custodians.
• DORA, Digital Operational Resilience Act, EU financial-services operational resilience.
• BIPA, CUBI, Washington HB 1493, CCPA / CPRA, US biometric privacy (Illinois, Texas, Washington) and California consumer privacy.
• UK Online Safety Act, age-gating and child-safety obligations.
• FATF Travel Rule, originator and beneficiary data on crypto transfers, IVMS-101 interoperable.

Detailed memo, every certificate, every regulator letter: /security-compliance.

• 60 seconds to a sandbox account at business.didit.me, no credit card.
• 5 minutes to a working verification through Claude Code, Cursor, or any coding agent via our Model Context Protocol (MCP) server.
• A weekend to a production-ready integration with signed-webhook verification, retries, and a remediation flow when a user is declined.

Three integration paths, pick whichever fits your stack:

• Embed natively with our Web, iOS, Android, React Native, or Flutter SDK.
• Redirect the user to the hosted verification page, zero SDK.
• Send a link by email, SMS, WhatsApp, or any channel, zero front-end work.

Same dashboard, same billing, same pay-per-success price for all three. Step-by-step guide at docs.didit.me/integration/integration-prompt.

Each UBO completes the same hosted KYC flow your consumer customers run, opened from a link Didit returns when you create the session. No app install, no extra software for the UBO to deal with.

The flow runs on the UBO's phone:

• ID Verification, 14,000+ document types across 220+ countries
• Passive Liveness, iBeta Level 1 anti-spoof certified, defeats deepfakes, masks, screen replays
• Face Match 1:1, selfie matched to the document portrait
• Device & IP Analysis, 200+ real-time fraud signals on the session
• AML Screening, sanctions, PEP, and adverse-media on the UBO's name + date of birth

Sub-two-second median verdict on entry-level Android. The signed result lands on your webhook with the same vendor_data reference you sent in, so wiring each UBO back to its parent entity is a one-line join.

Every approved UBO is re-screened daily against the same 1,300+ AML lists used at onboarding. There is no separate endpoint to call, it runs automatically on any session with AML enabled.

When a previously-approved UBO crosses an AML threshold:

• The session status changes to In Review or Declined automatically
• A signed webhook fires to your back-end with the new hits and a link back to the original onboarding evidence
• A case opens in the Business Console for your compliance team to triage
• File a Suspicious Activity Report (SAR) directly from the case if your jurisdiction requires it

Cost on heavy-volume accounts is $0.07 per person per year, single-digit dollars for a base of tens of thousands of UBOs, orders of magnitude cheaper than the manual review queue most teams build around it.

One ZIP per onboarded entity, exportable from the Business Console or via the API. Each pack carries:

• The registry extract for the legal entity, officers, share capital, registered address, status
• The ownership chart, the chain Didit walked to surface each UBO
• A per-UBO decision, document scan, biometric similarity, AML hits, device + IP risk signals, 200+ fraud signals, signed timestamps
• The entity AML result with source-watchlist references
• The HMAC SHA-256 signature on every payload, so chain-of-custody is provable
• Reviewer notes from the Case Management surface, who triaged what, when, with what decision

All evidence is stored in the European Union (EU data centres) and retained indefinitely while your subscription is active. Default record retention is 5 years post-relationship per the EU AML package, extensible up to 10 years if your supervisor asks for it.