KYB Rating
Real-time KYB scoring for business onboarding
Baselayer KYB Rating delivers a standardized score and letter grade based on match quality and risk signals, so you can triage onboarding decisions in real-time.
Trusted by 2,200+ industry-leading 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
Get a standardized score and letter grade for every business so teams can make consistent, compliant decisions in seconds.
Auto-approve strong matches, route the rest
Ratings are powered by real-time government data and proprietary matching logic with full transparency into how decisions are made.
Match more businesses, miss fewer signals
Our AI 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"
Verify legal identity with real-time authority
All scores are powered by fresh Secretary of State and IRS data (not third-party aggregations) ensuring each decision is backed by verified sources.
See new businesses days after incorporation
Baselayer updates its data daily, so you can verify newly registered entities in real time (not months later).
Plug KYB scoring directly into your flow
Integrate with our API in an afternoon and pull standardized KYB scores and reason codes directly into your onboarding flow.
Integrate with our API in an afternoon and pull standardized KYB scores and reason codes directly into your onboarding flow.
Turn signals into smarter decisions
Product Managers
Credit & Underwriting Teams
Risk & Fraud Teams
Compliance Teams
Built for confident approvals
Baselayer connects fragmented data and applies AI to help you act early, and with more confidence.
Tap into a cross-platform network to detect emerging fraud trends before they spread.
Bring public, proprietary, and partner sources together to strengthen every check with real-time insights.
Let Baselayer's AI agents put monotonous work on autopilot with unparalleled accuracy and scalability.
Verified fraud intelligence from across the market, shared by top financial institutions and risk teams.
Explore more identity checks
Business Verification
Get identity clarity.
Industry Prediction
Know the business behind the name.
Consumer Solutions
Verify consumers with confidence.
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.
