In today’s dynamic regulatory and financial environment, both compliance officers and credit managers are under pressure to act faster, more accurately, and with less room for error. Yet, onboarding processes are often slowed down by redundant document requests, fragmented systems, and outdated client data. These inefficiencies don’t just waste time, they pose real risks to regulatory compliance, client satisfaction, and financial stability. 

At the same time, the KYB (Know Your Business) market is expanding rapidly. Driven by rising regulatory scrutiny, digital transformation, and increased fraud risk, global KYB compliance spending is expected to surpass $12 billion by 2027, with growth fueled by B2B fintechs, marketplaces, and embedded finance platforms. However, most current KYB processes remain manual, repetitive, and inefficient, often adapted from KYC models that don’t fully meet the complexities of business identity verification.

Reusable KYB was built from the ground up, shaped by real-world insights from compliance and credit teams. It tackles their most common pain points by turning traditional KYB processes into a smarter, more secure, and easily shareable experience. Before diving into the full value of this new solution, let’s look at the shared feedback from the field that informed its development and the shift it represents.

A frustrating reality: feedback from the field

The current KYB process, according to professionals across compliance and credit teams, is broken: 

  • Finalizing a KYB file often feels like juggling missing documents, inconsistent formats, and doubts about authenticity… We spend more time searching than actually verifying. In the end, it’s the fluidity of the process and the client’s trust that suffer.Finalising a KYB file often means juggling missing documents, inconsistent formats and doubts about the authenticity of documents... You spend more time searching than checking. In the end, it's the fluidity of the process and the customer's confidence that suffer.."
  • Finalizing a KYB file often feels like juggling missing documents, inconsistent formats, and doubts about authenticity… We spend more time searching than actually verifying. In the end, it’s the fluidity of the process and the client’s trust that suffer.We receive so many documents in different formats, it’s hard to tell what’s real and what’s not.."
  • Finalizing a KYB file often feels like juggling missing documents, inconsistent formats, and doubts about authenticity… We spend more time searching than actually verifying. In the end, it’s the fluidity of the process and the client’s trust that suffer.The documents are scattered across systems, email inboxes, and departments, making it nearly impossible to verify the completeness of the file in order to be ready for an audit."
  • Finalizing a KYB file often feels like juggling missing documents, inconsistent formats, and doubts about authenticity… We spend more time searching than actually verifying. In the end, it’s the fluidity of the process and the client’s trust that suffer.We can’t make quick credit decisions when we’re waiting on financials or chasing outdated legal documents." 
  • Finalizing a KYB file often feels like juggling missing documents, inconsistent formats, and doubts about authenticity… We spend more time searching than actually verifying. In the end, it’s the fluidity of the process and the client’s trust that suffer.The back-and-forth delays not only cost time but also erode client trust."

These real-world frustrations underscore the urgent need for transformation, not just optimization. 

The transformative power of Reusable KYB

Built with feedback at its core, Reusable KYB addresses the root causes of inefficiency, risk, and delays. Instead of repeating the same KYB process for every client or transaction, this solution flips the model: businesses create and maintain a single, secure KYB profile that they share instantly with partners, insurers, banks, and vendors. 

This transformation delivers more than time savings. It fosters confidence, reduces regulatory exposure, and elevates the client experience. 

The shift: 

  • From manual collection to automated access 
  • From fragmented records to consolidated storage
  • From reactive updates to real-time alerts
  • From siloed systems to cross-platform sharing 

This is especially critical in a market where regulations like AMLD6 in Europe, FinCEN’s new BOI reporting in the U.S., and ongoing FATF recommendations require faster verification of of beneficial owners (UBO) and more rigorous documentation audits. Reusable KYB aligns with these shifts and provides a scalable framework to adapt.

Benefits for Compliance Officers

The following board highlights how Reusable KYB directly addresses the core goals and daily pain points of compliance professionals: 

“With Reusable KYB, we no longer chase clients for the same documents, and we’re always ready when auditors knock.” - Compliance Officer from a Financial Institution

Benefits for Credit Managers

Credit managers need to assess client reliability quickly and with confidence. This board outlines how Reusable KYB supports that need by offering real-time, verified access to financial and legal documents: 

“The Reusable KYB allowed us to approve a credit in a matter of seconds, not several days. This speed without compromising quality makes all the difference for both us and our clients.” - Credit Manager from a Retailer

Tangible Business Impact

This board summarizes the measurable outcomes reported by companies that have implemented Reusable KYB. The differences in performance speak for themselves: 

Security and Compliance by Design

With increasingly stringent European regulations (GDPR, AML/CFT, KYC/KYB, AMLD6), businesses face a dual imperative: protect sensitive data while accelerating verification processes. Reusable KYB meets this challenge with compliance by design architecture, fully aligned with European standards. 

Your data is under control: 

  • Systematic encryption of sensitive information 
  • Secure storage within a GDPR-compliant infrastructure 
  • Granular access control — only authorized partners can view your data
  • Sharing only through verified, interoperable, and trusted channels. 
  • Full audit trail of access logs, ensuring transparency and accountability

Full control remains with the user. 

Each company maintains full control over its data, choosing when, , how and with whom to share verified information. RollingFunds’ B2B digital identity centralizes, verifies, and enables the secure sharing of all KYB data via a single profile, activatable on demand. This enables faster verificationwith zero hassle, without ever compromising on security.

A B2B Digital Identity designed for conversion

In the B2B world, where every point of friction can slow down growth, optimizing client onboarding has become a strategic priority. With Reusable KYB, RollingFunds and ShareID offer a game-changing solution: a verified, reusable, and interoperable digital business identity that turns the verification process into a conversion asset.

Too often, KYB processes are plagued by manual back-and-forth, repeated document requests, and long delays that discourage companies from completing their journey. Reusable KYB ends this inefficiency. With a single, centralized, and shareable verification, partners gain instant access to pre-validated data —no need to start from scratch. 

  • Frictionless verification: drastically reduces client drop-off
  • Zero redundancy: data is collected once, reused infinitely 
  • Optimized experience: fast, intuitive, and compliant with the highest security standards 

Measured results from Reusable KYB implementation:

  • 90% reduction in document collection time 
  • Client abandonment rate divided by 3 to 4, from 15-20% down to under 5% 
  • Instant access to verified data — reducing compliance risk and errors
  • Audit preparation accelerated — from several days to a few hours, thanks to automation 
  • High repeat usage — clients return for the experience, partners for the performance 
  • Faster growth — more activated clients, more quickly, without compromising compliance 

How does Reusable KYB work? For Partners and Clients? 

For B2B Partners: 

You define your customized KYB journey:

  1. Selection of the data you want to collect 
  2. Configure questionnaires and rules according to your risk appetite
  3. Setup of your RollingFunds account based on the collected requirements 
  4. RollingFunds integrates your requirements into the client account
  5. Our platform allows you to track your users’ files, monitor the completeness of their profiles, and manage automated or manual follow-ups 
  6. Automated receipt of KYB profiles verified and continuously updated through the communication channel you have defined

No more document chasing, manual checks, or compliance headaches. 

For B2B Clients: 

With Reusable KYB, companies create a consolidated, reusable, and compliant digital business identity in just a few steps: 

  • Step 1 – Automatic retrieval of company information: The business enters its SIREN number (or identification number), confirms the entity, and identifies its representatives (executives and/or beneficial owners). 
  • Step 2 – Account creation: The company logs in to RollingFunds and verifies its email address. 
  • Step 3 – Identity verification of the legal representative: The ID document and the face of the legal representative are checked to verify the authenticity of the ID, the ownership of the document by its bearer, and the liveness of the user. Based on this verified identity, a series of checks are then carried out in regulatory databases (sanctions lists).).
  • Step 4 – Completion of the KYB profile Verification of the company’s profile and addition of key documents such as articles of incorporation, KBis extract, bank account details (RIB), verification of the identity documents of ultimate beneficial owners, etc., all while securely completing the file. 
  • Step 5 – Sharing and reuse: Verified data is instantly shareable with partners. Electronic signature and strong authentication are built in for sensitive operations (ex: loan validation), with real-time alerts when updates are required. 

From feedback to future: A new standard for KYB

The KYB market is undergoing a major shift, as automation, interoperability, and real-time verification become essential to meet the demands of faster business and stricter oversight. Institutions that fail to adapt risk being left behind, both competitively and in terms of compliance readiness. 

Reusable KYB isn't just a technological fix, it’s a direct response to the feedback of compliance and credit professionals who demanded a better way. By replacing repetition with reuse, fragmentation with centralization, and delays with instant sharing, the KYB process is no longer a bottleneck, it becomes a business enabler. 

Whether you’re trying to stay ahead of regulatory shifts or accelerate client onboarding, Reusable KYB is your foundation for a faster, safer, and smarter approach.