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

# Onboarding (KYB)

> Verify your organization before you collect live payments.

Caratuva is regulated infrastructure for cross-border B2B payments. Before your organization can collect a single live BRL, we run **Know-Your-Business** verification — confirming your legal identity, ownership structure, and beneficial owners.

The good news: while we wait, you can run the entire flow in **test mode** end-to-end with no holdups. KYB only gates live mode.

## 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.                               |

If your organization has a complex ownership structure (holding companies, foreign parents, trusts), we may ask for additional documents during review. We try to keep it minimal.

## 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](/environments). In test mode it's available from signup.)

1. Sign in to [dashboard.caratuva.com](https://dashboard.caratuva.com).
2. Go to **Payout** in the sidebar.
3. **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.
4. **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.
5. List the beneficial owners. The system will request ID for each.
6. Submit.

Uploaded documents persist as you go, but the form fields aren't saved server-side until you 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. |

The current status is shown live on the Payout page (it polls for updates) — there's no separate status-change email today.

## After approval

When KYB clears:

1. 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.
2. 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.)
3. Register your **PIX payout destination** — Step 3 of the Payout flow, see [Payouts](/payouts).

You can immediately create your first live invoice. The first one settles end-to-end exactly like the test-mode flow you've already practiced.

## 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.

If your submission is stuck for more than a business day, message support from the dashboard and we'll unblock you directly.