KYB

Business information, people, documents and a settlement account, submitted once through the API.

Ladder creates your organisation from the details you give the partnerships team. GET /organisation then tells you what is still missing:

{
  "data": {
    "id": "3794e63e-9214-4636-927d-9bf5cf137f69",
    "legal_name": "Harbour Point Asset Management Limited",
    "country": "NG",
    "kyb_status": "draft",
    "environment": "test",
    "kyb_missing": [
      "business.entity_type", "business.registration_number", "business.date_of_incorporation",
      "business.tax_id", "business.registered_address", "business.operating_address",
      "business.industry", "business.expected_monthly_volume", "business.source_of_funds",
      "business.licence_regulator", "business.licence_type", "business.licence_number",
      "people: at least one director", "people: at least one authorised signatory",
      "documents.certificate_of_incorporation", "documents.registry_status_report",
      "documents.constitution", "documents.board_resolution", "documents.proof_of_address",
      "documents.financial_statement", "documents.aml_policy", "documents.regulatory_licence",
      "settlement_accounts: at least one"
    ]
  }
}

1. Business information

   PUT /kyb/business. entity_type is one of private_limited, public_limited, partnership, other.

   {
     "entity_type": "private_limited",
     "registration_number": "RC-1234567",
     "date_of_incorporation": "2018-03-14",
     "tax_id": "12345678-0001",
     "registered_address": "14 Harbour Point Road, Victoria Island, Lagos",
     "operating_address": "14 Harbour Point Road, Victoria Island, Lagos",
     "industry": "Asset management",
     "expected_monthly_volume": "NGN 250,000,000",
     "source_of_funds": "Client subscriptions to managed portfolios",
     "licence_regulator": "SEC Nigeria",
     "licence_type": "Fund/Portfolio Manager",
     "licence_number": "SEC/FM/0123",
     "technical_contact_email": "[e-mail]"
   }
   
2. People

   POST /kyb/people, one call per person. At least one director and one signatory; every beneficial owner holding 5 percent or more as beneficial_owner with ownership_percentage; politically exposed persons flagged with is_pep and details. ID numbers are stored encrypted and returned masked.

3. Documents

   POST /kyb/documents, multipart, PDF, JPEG or PNG up to 2 MB. Required types: certificate_of_incorporation, registry_status_report (CAC status report, or Form 3 in Ghana), constitution (MEMART), board_resolution, proof_of_address, financial_statement, aml_policy, regulatory_licence. Add one person_id per person. Use other for anything Ladder asks for later. See document uploads for how to sign a multipart body.

4. Settlement accounts

   POST /kyb/settlement-accounts: the bank account in your name that Ladder pays redemptions and payouts to, one per currency. Include bank_code on NGN accounts; it is required to take a direct-debit mandate on the account later.

5. Submit

   POST /kyb/submit. Before everything is in you get 400 kyb_incomplete with the same missing list.

Status flow

draft → submitted → in_review → approved
                        ↓
               more_info_required → (you edit and resubmit) → in_review

Each change fires a kyb.status_changed webhook. While the status is draft or more_info_required the kyb/* endpoints are editable; otherwise they answer 409 kyb_not_editable. After approval Ladder issues your live keys. A settlement account Ladder has verified cannot be deleted (409 settlement_account_verified); add a new one instead.