What we ask for
| Item | Why |
|---|---|
| Legal name and CNPJ | Identifies the verified entity. |
| Country of incorporation, registered address | Jurisdictional requirements. |
| Articles of incorporation (PDF) | Proof the entity exists and you’re authorized to act. |
| Beneficial owners (anyone with 25%+ control) | Anti-money-laundering rules require we know who ultimately owns and benefits. |
| Government ID for each beneficial owner | Identity verification. |
| Proof of address for the entity (utility bill, lease, bank statement, < 3 months old) | Ties the registered address to a real location. |
How to submit
KYB is Step 2 of the Payout flow in the dashboard. (For live KYB, your Production Access Request must already be approved and you must have switched to Live mode — see Test & live modes. In test mode it’s available from signup.)- Sign in to dashboard.caratuva.com.
- Go to Payout in the sidebar.
- Accept our settlement partner’s terms of service (Step 1) — you’re redirected to the partner’s hosted page and back. KYB can’t be reached until you do.
- Verify your business (Step 2): fill in the entity details and upload the documents from the table above. Each upload uses a one-time secure link, so the file is encrypted in transit and at rest.
- List the beneficial owners. The system will request ID for each.
- Submit.
What happens next
The submission moves through these states, surfaced live on the onboarding page:| Status | Meaning |
|---|---|
pending | You’ve started the submission but haven’t sent it for review yet. |
submitted | Your submission is in and queued for review. |
verifying | We’re checking the submission. Most clear in a few hours. |
approved | You’re cleared for live payments. A virtual account is provisioned automatically. |
rejected | We can’t onboard this organization. The screen explains why and what (if anything) you can do next. |
After approval
When KYB clears:- A virtual account is provisioned for your organization. This is the internal account that holds the buyer’s funds during the brief moment between collection and BRL payout. You don’t need to manage it — it’s invisible in normal operation.
- You can transact in live. (Live mode itself became selectable earlier, once your Production Access Request was approved; KYB clearing is what lets real BRL settle.)
- Register your PIX payout destination — Step 3 of the Payout flow, see Payouts.
Re-running KYB
If your organization’s legal structure changes (rename, address change, ownership change, new beneficial owner), notify us — we may need to re-verify. We’ll surface a banner on the dashboard if a re-verification is required, with a link back to the onboarding form.Privacy
Documents you upload are stored encrypted at rest, are accessible only to authorized compliance reviewers, and are retained for the period required by Brazilian and international AML regulations. We will never share them with other Caratuva customers.Common holdups
- Beneficial owners missing ID — every individual at 25%+ control needs their own government ID document. If you have ten owners each at 10%, we don’t need ID for any of them.
- Document image quality — phone photos work, but the entire document must be visible, in focus, with all four corners. Glare and crops will bounce.
- Mismatched legal name — the legal name in our form must match the articles of incorporation exactly, including punctuation. “ABC Trading Ltda” and “ABC Trading LTDA.” need to match between the two.
- Address mismatch — the registered address on the proof-of-address document must match what you typed in the form. If you’ve recently moved, file the change with the Junta Comercial first.