> ## Documentation Index
> Fetch the complete documentation index at: https://docs.grain.inc/llms.txt
> Use this file to discover all available pages before exploring further.

# KYB Requirements

> What you need to complete Know Your Business verification

## What is KYB?

Know Your Business (KYB) verification is a regulatory requirement that confirms your company's identity and legitimacy before you can process payments through Grain. All merchants must complete KYB verification before accepting live payments.

<Tip>
  Gather all documents and information below before starting your application. Incomplete submissions are the most common cause of delays in the review process.
</Tip>

## Documents to Prepare

Have the following documents ready to upload during your application:

* **Formation Document** — Copy of your LLC Agreement, Certificate of Incorporation, or equivalent
* **Employer Identification Number** — IRS CP 575 letter, EIN confirmation letter, or equivalent
* **Government-Issued ID for all Control Personnel and Beneficial Owners**
  * **U.S. Persons** — U.S. Driver's License (front and back), State ID Card (front and back), or Passport
  * **Non-U.S. Persons** — Passport

<Note>
  Any personnel who resides in a country on the [FATF Grey List](https://www.fatf-gafi.org/en/countries/black-and-grey-lists.html) must also provide a copy of proof of address.
</Note>

## Company Information to Prepare

You will be asked to provide the following details about your business:

* Registered company name and DBA name (if any)
* Company description
* Company address (both incorporation and operating address if different)
* Entity type (LLC, C Corp, etc.)
* Incorporation date
* Employer Identification Number
* Industry (Financial Services, Technology, Crypto, etc.)
* Source of funds (Revenue, Investment, etc.)
* Expected countries to send or receive funds
* Expected monthly volume for crypto and fiat
* Primary target market (Retail, Commercial, etc.)
* Purpose of account (Business Operations, Cross-Border Payments, etc.)

## Control Personnel, Signers, and Beneficial Owners

For each control person, signer, and beneficial owner, prepare the following information:

* Full legal name (First, Middle, Last)
* Date of birth
* Home address
* Social Security Number or Tax Identification Number
* Role in the company (if control person)
* Contact information (email and phone number)
* Ownership percentage (if applicable)

<Info>
  At least one signer is required for each company. A signer can also serve as a control person or beneficial owner.
</Info>

## Review Timeline

| Stage                                | Typical Duration  |
| ------------------------------------ | ----------------- |
| Document review                      | 1–2 business days |
| Enhanced due diligence (if required) | 3–5 business days |
| Final approval                       | 1 business day    |

Most merchants receive approval within **2–3 business days** of submitting a complete application.

## What Happens After Approval

Once your KYB verification is approved:

1. You receive a confirmation email with next steps
2. Production API keys become available in the Dashboard
3. You can configure your settlement preferences
4. You can start accepting live payments