KYC & KYB Webhook Workflows for Regulated Ledger Systems
Connecting identity verification events to automated ledger permissions, account provisioning, and regulatory audit trails.
Webhook Ingestion Architecture and Signature Verification
Identity event payloads must be verified against shared cryptographic secrets before triggering system actions. Webhook receivers validate timestamp headers to reject replay attacks, store raw payloads in an immutable event store, and dispatch verification events to downstream state machines.
Synchronizing Identity States with Ledger Permissions
When a KYB verification status changes from Pending Review to Approved, the ledger unlocks specific operational tiers: account creation, ACH debit authorization, or international wire routing. If verification is rejected or suspended, the system immediately applies transaction holds to prevent unauthorized money movement.
Audit-Ready Identity Tracing with the NAYA Proof Engine
The NAYA Proof Engine binds identity verification timestamps, provider inquiry IDs, and beneficial ownership records to ledger transaction logs, giving compliance officers and partner banks cryptographic proof of complete compliance verification for every settled transaction.
Frequently Asked Questions
Common questions about this topic
QWhat is KYB (Know Your Business)?
It's KYC for companies. It involves parsing corporate registries and identifying "UBOs" (Ultimate Beneficial Owners). The data model is complex: 1 Business -> Many UBOs -> Each UBO needs KYC.
QHow do you handle "Soft Failures"?
If an ID is blurry, don't reject. Transition to resubmission_requested and trigger a UI prompt for the user to try again.
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