Onboarding & KYB
Know which businesses you can trust.
Enigma verifies US businesses against independent, hard-to-fake evidence, so you approve more of the real ones and catch the ones that only look real on paper.
92%
Business match rate when a person's name is included
~1.5s
Typical KYB response (median)
$0
Pay per match, not per search — cost is predictable on every call
+5%
Lift in address verification
Enigma production data, 2026
One endpoint, two products
Approve more, and prove more.
Identify
Common in marketplaces, programmatic onboarding, and high-volume sign-up flows.
Confirms a business is real, not merely registered. Built for coverage and approval rate where volume is the constraint and a human review queue is not an option.
Verify
For decisions that have to stand up to a regulator, where the detail is table stakes.
Adds the full Secretary of State record and the corporate structure behind it, with source-linked evidence a reviewer can follow back to the filing.
A business can file its own registration.
It cannot process its own card transactions, write its own review history, or place itself in someone else’s government filing. Evidence is graded by how little control the applicant has over it, and every match carries its tier.
Verification tiers
Evidence graded low to high
A business can fake a record. It cannot fake agreement.
Every tier answers the same question — is this business real — with evidence the applicant has progressively less control over. The top tier is not more data. It is data that agrees.
- Card transactions
- Verified locations
- Review history
- Government records
What we check
31 attributes, from 6 kinds of record.
Government records
Far past the registration. The public record a business leaves across agencies.
- Bankruptcy filings
- Business licenses
- Court filings & liens
- Environmental compliance
- Financial incentives
- Government contracts
- Health and safety records
- Permits and licenses
- Secretary of State
- Workplace safety
Identity and names
The names a business goes by, and how to reach it.
- Brand and operating names
- EIN
- Industry
- Legal and registered names
- Phone numbers
- Website
Officers and associated people
The people linked to a business, to support your ownership and UBO requirements.
- Associated people
- Key officer names
- Key officer titles
Screening and watchlist
Built for your AML programs to screen sanctions lists and watchlists for financial-crime exposure.
- Negative news
- OFAC non-SDN
- OFAC SDN
- PEP lists
- UN consolidated list
- World Bank
Locations and addresses
Where a business actually operates, and whether an address is real.
- Addresses
- Operating locations, open and closed
- Virtual address flags
Revenue and activity
Independent proof a business is transacting.
- Registration status
- Revenue and transaction activity
- Review history
Where it runs
Inside the decisioning you already operate.
01
Works through your orchestration layer
Alloy, Taktile and the rest — Enigma runs as a source inside the decisioning you already operate.
02
US primary in a multi-vendor waterfall
Strongest coverage on US businesses, so it sits first and hands off what it does not answer.
03
Available by API, console, and agent-ready access
One endpoint for engineers, a console for analysts, and MCP for agents.
Measured