KYB Rating
Intelligent KYB scoring for confident business onboarding
Baselayer’s AI-native Risk Co.Pilot delivers a transparent, regulator-ready KYB Rating: a unified score and letter grade that powers intelligent, real-time onboarding decisions.
Trusted by developers and industry leaders at 2,200+ financial institutions
Legacy tools return raw data without clarity, forcing risk teams to interpret messy fields, delay approvals, and waste hours chasing false positives.
Standardize onboarding decisions across teams with AI
Get intelligent scores and letter grades for every business so teams can make consistent, compliant decisions in seconds.
Risk Co.Pilot auto-approves strong matches, routes the rest
Ratings are powered by real-time government data and proprietary matching logic with full transparency into how decisions are made.
Agentic matching across fragmented business signals
Our machine learning models reduce false positives and negatives by resolving abbreviations, misspellings, and variations across legal names, DBAs, and filings.
"Baselayer lets us focus on the customers we actually want to serve, without simply increasing the requirements on everyone"
AI-powered legal identity verification with real-time authoritative data
Baselayer’s Risk Co.Pilot applies transparent logic to live Secretary of State and IRS data (never third-party aggregations) ensuring every decision is grounded in verified, regulatory-ready sources.
Intelligent data updates for new entities
Daily data refreshes ensure newly registered entities are verifiable in near real time, not discovered months later.
Plug KYB scoring directly into your flow
Integrate instantly with our enterprise-grade API and pull KYB scores and reason codes directly into your onboarding flow
Integrate instantly with our enterprise-grade API and pull KYB scores and reason codes directly into your onboarding flow
Turn signals into AI-powered decisions
Product Managers
Credit & Underwriting Teams
Risk & Fraud Teams
Compliance Teams
A Risk Co.Pilot engineered to deliver fast, reliable decisions at scale
Accelerate your workflows through the most advanced enterprise-grade API and web application for uncovering KYB, credit, and fraud signals.
Tap into an AI-powered network to detect emerging fraud trends before they spread.
Combine public, proprietary and partner data sources together into Baselayer's superintelligent platform for predictive real-time insights.
Leverage AI and verified fraud intelligence from top financial institutions to make your first line of fraud defense your strongest.
Baselayer’s Risk Co.Pilot puts labor-intensive risk checks on autopilot, delivering instant, explainable decisions that reduce cost and minimize human error.
Deploy agentic AI to drive faster, more accurate verification
Business Verification
Get instant identity clarity.
Industry Prediction
Know the business behind the name.
Consumer Solutions
Uncover the people behind the business.
Social Media & Reviews
Go deeper into businesses.
Have questions? Find answers.
Baselayer’s KYB Rating gives you an actionable, real-time score that reflects the quality of a business application. You can use it to instantly approve trusted businesses, surface edge cases, or block suspicious ones, without manual reviews or complicated risk logic.
Baselayer eliminates the guesswork in business verification by doing a holistic review of the company. You’ll move trusted businesses through faster, catch risky ones before they cause problems, and reduce the hours your team spends on manual reviews.
Most KYB tools hand you raw data and expect you to make sense of it yourself. Baselayer analyzes the data for you, scoring each business based on verified identity fields from sources like Secretary of State and IRS records. You get a simple, actionable score instead of scattered data points.
No, KYB Rating isn’t about financial health, it’s about identity confidence. It tells you whether a business is legitimate and verifiable, not whether they’ll repay a loan.
For credit score alternatives designed for SMBs see Baselayer Risk Rating.
Not at all. Baselayer is one of the fastest business verification solutions on the market. KYB Ratings return in seconds, helping you speed up onboarding by instantly approving verified businesses while still meeting your safety and compliance standards.
