KYBAvailable by API, console, and MCP
One graph.
Four questions to ask it.
Onboarding, screening, underwriting and go-to-market are the same resolved businesses read four different ways. Pick the decision you are making.
Identify
Onboarding & KYB
Confirm a business is real, not just registered. Built for coverage and approval rates in marketplaces and high-volume sign-up flows.
- 92% match rate with a person's name
- ~1.5s median response
- $0 for searches that don't match
Verify
Regulated verification
The full Secretary of State record, with the corporate detail a regulated program is held to — evidence pre-assembled for manual review.
- Full SoS record & corporate structure
- Source-linked, auditable evidence
- Verification tiers, low to high
Cedarline Coffee Roasters
Chattanooga, TN · verified against 7 independent sources
- Incorporated
- 2009
- NAICS
- 722515
- Locations
- 5
- Card revenue
- $14.2M
- Avg ticket
- $13
- Daily customers
- ~3,000
- YoY growth
- +18.4%
- Watchlists
- 0 hits
Screen
Customer & transaction screening
Sanctions and watchlist screening for persons, organizations, wires, ACH, and P2P — at a fraction of the cost.
- 80% fewer alerts, <1% false positives
- 1B+ requests screened monthly
- Hit-level explanations
wire_7841 → cleared
entity: NORTHSTAR HOLDINGS → 0 hits
ach_2210 → cleared
person: J. DOE → PEP review
p2p_9954 → cleared
entity: KARO FREIGHT OOO → SDN 1 hit
wire_7842 → cleared
entity: DELTA PROVISIONS LLC → 0 hits
ach_2211 → cleared
person: M. ALVES → 0 hits
wire_7843 → held, manual review
entity: SOUTHBRIDGE MILLS → 0 hits
wire_7841 → cleared
entity: NORTHSTAR HOLDINGS → 0 hits
ach_2210 → cleared
Underwrite
Risk & underwriting
Observed revenue, growth, and refund behavior on 22M+ merchants — definitive splitting power in predicting delinquencies.
- ~50% of U.S. card transactions
- Refund ratios flag chargeback risk
- Portfolio monitoring alerts
→ $14.2M observed card revenue · +18.4% YoY · fixture · synthetic render
And much more
Verification tiers
Evidence graded low to high
Virtual-address flags
Catch registered-agent addresses
Watchlist coverage
OFAC, PEP, UN, World Bank
Negative news
Adverse media, entity-matched
Beneficial owners
People connected across entities
Waterfall-ready
US primary in multi-vendor stacks
Agent access
enigma.verify over MCP
Sandbox
Test against real fixtures
Pay-per-match
No charge for non-matches
Auditability
Every decision, source-linked
Monitoring
Know the day status changes
Bring your own book
Test on businesses you clear today
Verification tiers
A business can file its own registration. It can't process its own card transactions.
Tier 1 · Low
Self-reported, easily faked — state registration, name match, EIN / TIN.
Tier 2 · Moderate
Some independent signal — active website, third-party reviews, verified operating address.
Tier 3 · High
Independent, can't be conjured — card transactions, verified locations, review history, government records.
Measured
What onboarding looks like once the records are independent.
More solutions
Same graph, a different question.
Get started
01
Create a console account
Instant access, no card required.
02
Send your first query
One endpoint for brands, entities, and locations.
03
Go live
Decide at onboarding — no human in the loop.
Building on the graph?
Everything on this page is one GraphQL API away.