The Know Your Business (KYB) is the essential first point of contact for any B2B company. First impressions matter: a slow and cumbersome business onboarding process directly leads to client attrition and lost revenue. 

Beyond the client experience, KYB is also a key compliance and fraud prevention measure. Not only is it mandatory before offering accounts and services, but poor execution can have serious consequences.

Every year, criminals launder between $800 billion and $2 trillion, and it is estimated that 80% of these funds pass through seemingly legitimate business structures. That’s why thorough KYB checks are absolutely critical for B2B companies. So, how do you strike the right balance?  

As is often the case with fraud and compliance, the solution lies in better data. . High-quality data enables automation and opens the door for AI-driven agents to unlock legitimate clients who might otherwise get stuck in your onboarding queues. 

At RollingFunds, our mission is to lighten this burden. Here’s how better data and AI-driven automation make for a smoother KYB experience for your clients. 

The Evolution of KYB Requirements Calls for Better Solutions 

KYB requirements have grown significantly stricter over the decades. 

Today, with initiatives like the Corporate Transparency Act in the United States and the EU AML directives, companies face tighter obligations regarding the verification of ultimate beneficial owners (UBOs), monitoring high-risk activities, and reporting inconsistencies. 

The challenge is not only to meet compliance requirements but to do so while maintaining a competitive onboarding journey. KYB can no longer be a series of siloed checks that slow business growth. It must evolve into a data-driven, optimized process that balances rigorous controls with customer expectations for a smooth, frictionless online experience.

Modernizing the KYB Process 

KYB typically involves several steps. Some can be automated or accessed via modern APIs, but industry standards still rely heavily on manual processes for many tasks. 

1. Company Legitimacy

Challenge: Manually cross-referencing government databases and business registries is slow and error-prone. 

Modern Approach: Integrated data sources accessible via a simple API call, connecting multiple government and third-party databases, including enhanced UBO checks. 

2. Ultimate Beneficial Owners (UBOs) 

Challenge: Standard checks on PEPs (politically exposed persons) and sanctions generate many false positives, creating unnecessary review queues. 

Modern Approach: Direct KYC capabilities for digital onboarding, enriching PEP and negative news screening data. AI agents can reduce false positives by filtering and prioritizing flagged individuals and entities. 

3. Nature of Business Activity 

Challenge: Verifying a company’s actual activities is complex, often requiring manual web research, document analysis, or requests for additional client information, delaying onboarding. Traditionally, B2B companies rely on human agents to collect and verify these documents. 

Modern Approach: AI agents analyze websites and catalogs to accurately classify business activities, scan social media and online reviews for reputational issues, and verify legitimacy using domain age and financial documents (bank statements, tax filings, invoices, etc.), automating tasks that previously required intensive manual investigation. 

How RollingFunds Improves KYB Processes 

RollingFunds performs all traditional KYB checks using highly reliable data sources, ensuring accuracy and compliance. 

All these capabilities are available via API, in real time , and fully automated. We provide ready-to-use rules that can be customized according to your risk appetite and compliance policies. 

1.Business Risk Analysis 

We address the challenge of verifying the nature of a company’s activities by analyzing multiple data dimensions simultaneously: 

  • Actual sector verification to detect misclassified companies. 
  • Web presence analysis to identify legitimacy signals and customer sentiment. 
  • Risk sector analysis to identify prohibited or high-risk activities. 
  • Preconfigured logic rules to significantly reduce false positives. 
  • Workflow builder to automate onboarding steps. 


RollingFunds also provides continuous monitoring of clients and suppliers (and their beneficial owners), allowing you to track changes in risk profiles and detect early signs of potential fraud. 

2. Enhanced Onboarding 

Users often get “stuck in a queue” when a match appears on a watchlist. Up to 95% of these cases are homonyms. To unblock legitimate users, RollingFunds offers automated analyses that can: 

  • Examine KYC documents on the secure RollingFunds platform. 
  • Analyze all device and behavioral signals observed during onboarding. 
  • Account for cultural variations or nicknames, as foreign passports, nicknames, or minor differences can cause standard checks to fail. 
  • Access third-party databases, such as telecom or banking consortiums. 
  • Provide a recommendation (e.g., false positive) to a human agent for validation. 

3. Sanctions / PEP Analysis 

Common names like “John Doe” or “Michel Dupont” frequently trigger false alerts, delaying onboarding. RollingFunds ensures legitimate users don’t remain stuck in manual review queues. Our solution automates steps that were previously fully manual: 

  • Documentary KYC checks: match the name, address, and date of birth provided during onboarding with documents. 
  • Terms of use verification: ensure the client meets minimum age or other requirements. 
  • Translations: translate names from foreign languages into English when needed. 
  • Address verification: compare client addresses and states to confirm identity. 
  • Cross-referencing with additional evidence: e.g., PEP articles or negative press to confirm identity. 

In testing, one RollingFunds client doubled the processing speed of sanctions cases. 55% of cases were processed in under 30 seconds (compared to 5–10 minutes previously), freeing time to focus on the most complex cases. 

Adopting a More Modern KYB Experience 

False positives don’t have to be an unavoidable cost of business. This simple shift in mindset can fundamentally transform your approach to compliance. By collecting more data faster and more automatically, you gain confidence in your onboarding pipeline while drastically reducing frustrating false alerts that slow down the entire process. 

Of course, KYB is a necessity, and the primary goal of compliance remains meeting regulatory requirements. But it is possible to combine compliance with performance. With the right tools, your KYB process can become a genuine competitive advantage.. 

What does this advantage look like in practice? With AI and automation capable of handling complex decisions, you can onboard users as clients much faster. Your B2B business grows, while you and your partners reduce exposure to financial crime, regulatory sanctions, and reputational damage. 

Ultimately, the future of KYB lies in the combination of artificial intelligence and human intelligence. If you’re ready to take this path, RollingFunds is just a few clicks away.