KYC/KYB requirements diagram

flowchart TD
    Start([Start KYC])
    
    Start --> ResidenceCheck{Tax residence?}
    
    ResidenceCheck -->|EEA/GB*| POA_Required[Upload Proof
    of Address doc]
    POA_Required --> BasicInfo
    
    ResidenceCheck -->|Other| CountrySpecific{Country-specific?}
    
    CountrySpecific -->|US| SSN[Enter SSN]
    CountrySpecific -->|UM| TIN[Enter TIN]
    CountrySpecific -->|BR| CPF[Enter CPF]
    CountrySpecific -->|NG| BVN[Enter BVN]
    CountrySpecific -->|None| AddressChoice
    
    SSN --> AddressChoice
    TIN --> AddressChoice
    CPF --> AddressChoice
    BVN --> AddressChoice
    
    subgraph AddressChoice["Address Verification"]
        Addr_Choice{Choose one}
        Addr_Choice --> AddrWithCoordinates
        Addr_Choice --> POA_Doc[Upload Proof
        of Address doc]
        
        subgraph AddrWithCoordinates["Enter Address 
				and Coordinates"]
            AddrFields["• Country
            • Postal code
            • Town
            • Street"]
            CoordinatesFields["• Latitude
            • Longitude"]
        end
    end
    
    AddressChoice --> BasicInfo
    
    subgraph BasicInfo["Basic Info"]
        Info["• First name
        • Last name
        • Date of birth
        • Phone
        • Nationality"]
    end
    
    BasicInfo --> IDDoc
    
    subgraph IDDoc["ID Document"]
        ID_Choice{Choose one}
        ID_Choice --> Passport[PASSPORT]
        ID_Choice --> IDCard[ID_CARD
        front + back]
        ID_Choice --> ResPermit[RESIDENCE_PERMIT
        front + back]
    end
    
    IDDoc --> Questionnaire
    
    subgraph Questionnaire["Compliance Questions"]
        Questions["• Are you or relatives a PEP?
        • Are you facing sanctions?
        • Have you been convicted
				of a crime?"]
    end
    
    Questionnaire --> Selfie[Selfie]
    
    Selfie --> Complete([Complete])
    
    ResidenceCheck ~~~ Footnote
    Footnote["*EEA/GB includes
		EU overseas territories:
    Åland Islands,
    French Guiana, Guadeloupe,
    Martinique, Mayotte,
		Réunion, Saint Martin"]
    
    style Footnote fill:#f9f9f9,stroke:#ccc,stroke-dasharray: 5 5

KYB onboarding flow — Due Network S.L.

flowchart TD
    KYBStart((START))

    KYBStart --> CompanyData["STEP 1 — COMPANY DATA<br/>(Applicant entity)<br/><br/>Name • Registration No. • Entity type • Tax ID<br/>Country • Address • Email • Phone • Website"]

    CompanyData --> AssociatedParties["STEP 2 — ASSOCIATED PARTIES<br/>(Applicant entity)<br/><br/>Shareholders • UBOs<br/>Sumsub identity verification + PEP/AML screening<br/>Directors"]

    AssociatedParties --> CorporateDocuments["STEP 3 — CORPORATE DOCUMENTS<br/>(Applicant entity)<br/><br/>Certificate of Good Standing • Articles of Incorporation<br/>Shareholder Registry • Director Registry • Proof of Address"]

    CorporateDocuments --> RiskQuestionnaire["STEP 4 — RISK QUESTIONNAIRE<br/>(Authorised representative)<br/><br/>Business activity • Customers • Countries • Prohibited jurisdictions<br/>Intended use • Volume • Source of funds • Licences • Attestation"]

    RiskQuestionnaire --> ConditionalDocs["CONDITIONAL ADDITIONAL DOCUMENTATION<br/>(based on intended use of Due)<br/><br/>Corporate expenses / Payroll:<br/>Bank statement 6m + Audited annual accounts / Tax return<br/><br/>Internal/intercompany treasury:<br/>Proof in addition to the above<br/><br/>Compliance Officer name + email + AML policies"]

    ConditionalDocs --> AutoManualReview["AUTOMATIC ROUTING TO MANUAL REVIEW<br/>(Sumsub)<br/><br/>Action 10: tag 'Due Network SL' assigned<br/>Review step 4: Manual review"]

    AutoManualReview --> ManualReview["MANUAL REVIEW — FINCRIME ANALYST<br/><br/>Registry check (Auto KYB) • AML/PEP screening entity + UBOs + directors<br/>Documentary and questionnaire analysis"]

    ManualReview --> Decision{"DECISION"}

    Decision -->|Approved| Approve["APPROVE<br/><br/>Low/medium: Fincrime Analyst decision<br/>High Risk: endorsed by ICB"]

    Decision -->|Request info / EDD| RequestInfo["REQUEST INFORMATION / EDD<br/><br/>Additional documentation or clarification<br/>Application suspended pending resolution"]

    RequestInfo -->|New review upon receipt of information| ManualReview


    Decision -->|Rejected| Reject["REJECT<br/><br/>Definitive rejection (tipping-off rule)<br/>MLRO assesses SAR filing with SEPDLAC"]

    Approve --> AccountEnabled["ACCOUNT ENABLED<br/><br/>Continuous AML monitoring activated<br/>(ComplyAdvantage)"]

    
    style CompanyData fill:#1f3b68,color:#fff,stroke:#12284a
    style AssociatedParties fill:#1f3b68,color:#fff,stroke:#12284a
    style CorporateDocuments fill:#1f3b68,color:#fff,stroke:#12284a
    style RiskQuestionnaire fill:#1f3b68,color:#fff,stroke:#12284a
    style ConditionalDocs fill:#fff4cc,stroke:#d99a00,color:#1f3b68
    style AutoManualReview fill:#4472c4,color:#fff,stroke:#2f5597
    style ManualReview fill:#2f5597,color:#fff,stroke:#1f3b68
    style Decision fill:#1f3b68,color:#fff,stroke:#12284a
    style Approve fill:#d9ead3,stroke:#38761d,color:#1f3b68
    style RequestInfo fill:#fff2cc,stroke:#e69138,color:#b45f06
    style Reject fill:#f4cccc,stroke:#cc0000,color:#990000
    style AccountEnabled fill:#1f3b68,color:#fff,stroke:#12284a