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Library

The onboarding library

Practical articles on onboarding operations, KYB and the rules behind them, written by operators. Where we cite a rule, we link to the official source.

UBO / EU · 5 min read

Four founders at 25% each. From July 2027, all four are UBOs.

The EU's new Anti-Money Laundering Regulation moves the ownership test from "more than 25%" to "25% or more". One word changes, and a new group of owners lands in your KYB checks.

29 September 2026Read the article

Onboarding ops · 3 min read
Why fintech onboarding breaks before compliance reviews the file
By the time a file reaches compliance, most of the delay has already happened upstream, in intake, documents and handoffs.
19 September 2026
KYB / KYC · 3 min read
KYB vs KYC: what founders usually misunderstand
KYB isn't "KYC for companies." The difference in shape is where onboarding flows quietly get slow and inconsistent.
19 September 2026
Controls · 3 min read
Reducing onboarding friction without weakening controls
Speed and strong controls aren't a trade-off. Most onboarding friction is process waste sitting around the controls, not the controls themselves.
19 September 2026

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