# Archway Global — Full Content Bundle > The outbound KYB platform for compliance teams at fintechs, payment platforms, and regulated SaaS. This is a concatenated markdown bundle of all Archway marketing pages, generated at build time for LLM ingestion. See https://archway.global/llms.txt for the short catalog. Generated: 2026-04-19 --- # Archway — The Submitter-Side KYB Platform URL: https://archway.global - Archway - The outbound KYB platform for compliance teams - The control plane for identity. Submitter-side KYB for compliance teams at fintechs, payment platforms, and regulated SaaS. - The control plane for identity. Submitter-side KYB for fintechs, payments, and regulated SaaS. - Explore --- # Product — Outbound KYB Orchestration URL: https://archway.global/product - See it in action - Get in touch to schedule a walkthrough with the team. - Launch Demo - Contact Us --- # Security URL: https://archway.global/security - Role-based access control - Define exactly who can see and do what. Different functions need different access levels to different document types. - Immutable audit trail - Every action is logged. Every submission is snapshot. Every document access is recorded. The audit trail is append-only and cannot be modified or deleted. - Compliance readiness - Designed for SOC 2 from day one. Document retention, data residency, and GDPR compatibility are built into the architecture, not bolted on later. - Business continuity - Your data is always exportable and your operations are never locked in. - Questions about security? - Reach out to discuss your organization's security and compliance requirements in detail. - Contact Us --- # Fintech Bank Onboarding KYB URL: https://archway.global/solutions/fintech-bank-onboarding --- # Multi-Entity KYB Platform URL: https://archway.global/solutions/multi-entity-kyb --- # Archway vs. KYC/KYB Vendors URL: https://archway.global/compare/vs-kyc-vendors - The core distinction - Two sides of the same transaction - Verification vendors - Verify your counterparties - Sumsub, Persona, Middesk, Alloy, Trulioo, Veriff, Jumio, Onfido — these platforms help - run KYB/KYC checks on - other companies or individuals - trying to use your product. - Buyer: compliance or risk team inside a bank, fintech, or marketplace that onboards counterparties. - Workflow: collect docs, run checks, score risk, decide to approve or reject. - Direction: inbound — you are the one asking for KYB. - Archway - Manage your own submissions to them - Archway is for the company - being onboarded - . When a bank, exchange, or payment processor asks you for corporate docs, UBO disclosures, and questionnaires, Archway is the control plane your compliance team uses to respond. - Buyer: compliance, treasury, or legal ops inside the company responding to KYB requests. - Workflow: canonical company profile, counterparty-specific packet generation, disclosure tracking, refresh. - Direction: outbound — you are the one answering KYB. - Decision framework - When you need which - Use a verification vendor if - You run a bank, fintech, marketplace, or exchange that onboards counterparties. - You need to collect docs from strangers at scale and score risk. - Your regulatory obligation is to know - who your customers are - You want APIs to pull business verification data into your decision engine. - Use Archway if - You are the company - across many counterparties. - Your compliance team spends hours repackaging the same corporate data for every new bank or exchange. - You have 10 or more active counterparty relationships with overlapping KYB requirements. - You need a single canonical record of what was shared with whom. - Side by side - Feature comparison - Typical KYB verification vendor - Can they coexist? - Yes. They solve different problems. - Many companies run both: a verification vendor to onboard their own counterparties (if they are regulated enough to need one), and Archway to manage their outbound submissions to the banks, exchanges, and PSPs that onboard them. - Archway imports verification results from providers like Persona or Sumsub as evidence in the canonical profile, so the same identity data powers both inbound and outbound KYB. - Take the submitter side seriously - See how Archway manages outbound KYB across every bank, fintech, and exchange from one canonical profile. - Launch Demo - Contact Us --- # KYB Glossary URL: https://archway.global/glossary - A 20-character global identifier for legal entities participating in financial transactions. LEI Level 2 data includes the entity's direct parent and ultimate parent for accounting consolidation purposes. Many banks and clearing houses require an LEI for corporate clients. - Screening entities and individuals against the US Office of Foreign Assets Control sanctions lists. Every KYB submission to a US-regulated counterparty implies that you and your UBOs are not OFAC-sanctioned. Counterparties run their own screening on the data you provide. - A person holding or having held a prominent public function. PEP status triggers enhanced due diligence. KYB questionnaires commonly ask whether any UBO, director, or signatory is a PEP or has close personal or business ties to one. - The UK's beneficial ownership regime administered by Companies House. A PSC is anyone with over 25% of shares, over 25% of voting rights, power to appoint the majority of directors, or significant influence. The UK PSC register is public. Banks onboarding UK entities request PSC evidence routinely. - A report filed by a financial institution to FinCEN (US) or similar regulators (UK SAR, Singapore STR) when a transaction appears linked to money laundering, fraud, or other illicit activity. Companies do not file SARs on themselves, but good compliance hygiene reduces the likelihood of being the subject of one. - A provision that allows financial institutions to share information with each other to identify and report on suspected money laundering. Relevant when your counterparty banks decide to share KYB information among themselves. - The outbound half of the KYB transaction: the company being onboarded managing its own identity evidence, disclosure packets, and refresh cadence. Archway is the platform for submitter-side KYB. Most existing KYB tools focus on the verifier side. - The natural person who ultimately owns or controls a legal entity. Threshold definitions vary by jurisdiction — FinCEN, EU AMLR, UK PSC, and Singapore all use 25% as the default trigger, with control-based triggers on top. UBO tracking across a multi-entity group is one of Archway's core workflows. --- # UBO Tracking — The Complete 2026 Guide URL: https://archway.global/guides/ubo-tracking - For any company operating across two or more of these regimes, UBO tracking stopped being a one-page spreadsheet and became a cross-jurisdiction data problem. - What counts as a UBO — jurisdiction matrix - The definition is consistent in structure — 25% ownership plus control — but each regime has its own nuances and reporting destinations. - Regime - Ownership trigger - Control trigger - Reports to - The three UBO graphs every compliance team needs - Most teams try to express UBO as a single ownership tree. It breaks the moment you encounter voting rights that diverge from equity, or control rights granted independent of either. Split the model into three layers: - Equity ownership graph. - Who owns what fraction of each entity. Traced indirectly up the chain until a natural person or an exempt entity (public company, regulated fund) is reached. - Voting rights graph. - Who controls the vote. Diverges from equity in dual-class share structures, preferred-equity arrangements, and voting-trust agreements. - Control graph. - Who can appoint or remove directors, trigger material decisions, or otherwise exert control regardless of equity or votes. Includes PSC-style "significant influence" and FinCEN-style "substantial control." - The same person can appear in all three graphs, in two, or in one. Different regimes ask for different lenses on the same underlying structure. - When UBOs change — the trigger events - Refresh is event-driven, not calendar-driven. The events that trigger disclosure obligations: - New equity issuance crossing 25% (new UBO emerges) - Equity buyback or transfer taking an existing UBO below 25% (UBO ceases) - Change of director majority or appointment rights (new control UBO) - UBO identity document renewal (passport or national ID replaced) - UBO address change (home address on file no longer current) - UBO name change (marriage, divorce, legal name change) - Corporate restructuring that alters indirect ownership percentages - Trust amendment affecting settlor, trustees, or beneficiaries - Each event has a regulator-side and counterparty-side obligation. FinCEN BOI requires a 30-day update. UK PSC requires a 14-day Companies House filing. Your banks and exchanges have their own notification windows buried in onboarding contracts. - Building a UBO tracking workflow - A working UBO tracking workflow has four stages: - Canonical UBO record. - One record per natural person, stored with identity documents, home address, date of birth, and nationality. Linked — not duplicated — to every entity where they appear. - Entity-to-UBO graph. - For each legal entity, the list of UBOs with their ownership percentage, voting percentage, and control basis. Traced through all direct and indirect holdings. - Change detection and routing. - When a trigger event happens (see above), automatic surfacing of every counterparty and regulator affected. A single UBO passport renewal may touch twenty downstream counterparties. - Disclosure ledger. - An immutable record of every UBO-related disclosure: which counterparty received what data on what date. Critical for audit response and FOIA-like requests. - Most compliance teams approximate this with spreadsheets and SharePoint folders. It holds until you hit about five entities and ten counterparties, then breaks. - Common mistakes - Stale passports. - UBO identity documents expire. If a bank requires a current passport and your disclosure references one that expired six months ago, the submission is invalid. - Un-disclosed indirect ownership. - A UBO who owns 30% of a parent that owns 100% of your subsidiary is a UBO of the subsidiary. Missing this is the single most common audit finding. - Ignoring control-only UBOs. - A director with the right to appoint the majority of the board has control even without equity. Most spreadsheets miss this category. - Inconsistent thresholds across counterparties. - Some banks want everyone above 10%, others above 25%. A single canonical record with multiple threshold views prevents confusion. - Mixing UBO data with entity data. - UBO passports and personal addresses need tighter access control than corporate documents. Storing them in the same folder structure invites exposure. - How Archway helps - the product page - the multi-entity solutions page - UBO tracking questions - Related reading - Annual KYB refresh playbook - Operator guide to the renewal cycle - KYB glossary - 20 terms every compliance team needs - Multi-entity KYB - UBO tracking across subsidiaries and SPVs - Stop tracking UBOs in spreadsheets - Canonical UBO records, change detection, and disclosure ledger — built for multi-counterparty compliance. - Launch Demo - Contact Us --- # Annual KYB Refresh — Operator Playbook URL: https://archway.global/guides/annual-kyb-refresh --- # About URL: https://archway.global/about - Former Digital Assets Engineer at Goldman Sachs, where he built on the GS Digital Asset Platform. Previously Institutional Research Analyst at Coinbase, publishing research on protocol mechanics and institutional crypto adoption. Computer Science (First Class Honours) from the University of Hong Kong with a math minor. At Archway, owns product vision, technical architecture, and platform development. - LinkedIn → - Kenny Chan - Co-founder & CCO - Head of Ecosystem BD & Corp Dev at Coinbase, driving institutional partnerships across payments, fintech, and regulated financial services. Previously GM of StraitsX, a MAS-licensed payments institution where he led 150+ people through regulatory licensing and institutional onboarding at scale. Before that, Head of Corporate Strategy at Grab, where he built the financial narrative for their $40B NASDAQ listing. Wharton (summa cum laude). At Archway, leads distribution, partnerships, and client relationships. - Company - Entity - Archway Global (Delaware C-Corp) - Focus - Outbound KYB orchestration - Model - Technology provider. Not a verification vendor or advisory firm. - Want to learn more? - We'd love to hear from you. Reach out to discuss how Archway can streamline your outbound compliance. - Get in Touch --- # Contact URL: https://archway.global/contact - Interested in streamlining your outbound KYB? We would love to hear from you. - Reach out - Whether you are managing KYB across a handful of counterparties or dozens, we are happy to walk you through how Archway can reduce your compliance cycle time. - david@archway.global - What to expect - Quick intro call - A brief conversation to understand your company structure, current compliance workflow, and counterparty relationships. - Platform walkthrough - We will show you the platform, including entity setup, document upload, AI form filling, and submission tracking. - Tailored setup - We help you import your entities, upload your documents, and configure counterparty profiles for your first submission.