docs(guides): add KYC and KYB requirements guide

docs.json

@@ -46,7 +46,8 @@
               "index",
               "quickstart",
               "guides/authentication",
-              "guides/environments"
+              "guides/environments",
+              "guides/kyc-kyb"
             ]
           },
           {

guides/kyc-kyb.mdx

@@ -0,0 +1,137 @@
+---
+title: "KYC and KYB requirements"
+description: "Information and documents required to onboard business and individual account owners."
+---
+
+## Overview
+
+Before an account can be activated, Trace FX must verify the identity of its owner and any beneficial owners. The verification model depends on the owner type:
+
+- **KYB (Know Your Business)** applies to company-owned accounts (`owner.type = COMPANY`).
+- **KYC (Know Your Customer)** applies to individually-owned accounts (`owner.type = INDIVIDUAL`) and to every beneficial owner (UBO) registered on a company-owned account.
+
+Information is submitted as structured fields on [`POST /api/accounts`](/api-reference/fx-account/accounts/create-account); supporting documents are uploaded against [`POST /api/documents`](/api-reference/fx-account/documents/upload-document) once the account exists. The exact document list varies per segment and per banking partner — the response from account creation returns the full `requirements.currentlyDue` list for your case.
+
+## Details
+
+### Business
+
+Business onboarding covers companies that operate under one of the supported segments: standard companies (startups and PJs), payment service providers, crypto businesses, non-resident entities, funds, and exchange operators.
+
+#### Common information for all business segments
+
+These fields are submitted on the create-account request:
+
+| Field | Format | Notes |
+| --- | --- | --- |
+| `owner.legalName` | string | Registered legal name on the company's incorporation document. |
+| `owner.taxId.value` | string | CNPJ for Brazilian companies; foreign tax identifier for non-residents. |
+| `owner.taxId.type` | enum | `CNPJ` for Brazilian companies; the corresponding type for non-residents. |
+| `owner.industry` | enum | Industry classification. See the [create-account schema](/api-reference/fx-account/accounts/create-account) for the full list. |
+| `owner.incorporateDate` | `yyyy-MM-dd` | Optional. Date of incorporation. |
+| `owner.address` | object | Full registered address (line 1, city, state, country, postal code). |
+
+For each beneficial owner (UBO) registered via [`POST /api/accounts/{accountId}/ubos`](/api-reference/fx-account/beneficial-owners/add-ubo):
+
+| Field | Format | Notes |
+| --- | --- | --- |
+| `name` | string | Full legal name. |
+| `taxId.value` / `taxId.type` | string / enum | CPF for Brazilian residents; foreign tax ID for non-residents. |
+| `address` | object | Residential address. |
+| `ownershipPercentage` | number | Optional. Percentage of ownership. |
+
+#### Common documents for all business segments
+
+These documents are required for every business segment:
+
+- Articles of association, bylaws, or board-election minutes — registered and issued by the commercial registry (Junta Comercial in Brazil).
+- Articles of association of any corporate shareholder (PJ partner), if applicable.
+- Dated and signed organizational chart, if the corporate structure has multiple layers.
+- Annual revenue declaration, income statement (DRE), or balance sheet — signed by the accountant and the legal representative.
+
+For each beneficial owner:
+
+- Government-issued photo ID (RG, CNH, passport, RNM, or MRE) and tax ID (CPF for Brazilian residents).
+- Email address and phone number.
+- Proof of residence issued within the last 90 days (required by most partner banks).
+
+#### Extra documents for payment service providers (PSPs)
+
+PSPs (also referred to as "facilitadoras") aggregate or facilitate payments on behalf of merchants. In addition to the common business documents, partner banks require:
+
+- AML/CTF policies, manuals, and registration forms.
+- A signed KYC form completed by the commercial officer.
+- A signed BaaS adhesion form, where applicable.
+- Operational details: number of employees, company website, and annual revenue.
+- A merchants record sheet listing the PSP's clients.
+- A PLD/FT (anti-money-laundering) policy in its current version.
+- A CDD (customer due diligence) questionnaire signed by the compliance officer.
+- Power of attorney and identity documents for any signatories acting on the company's behalf.
+
+#### Extra documents for crypto businesses
+
+Crypto businesses submit the standard business package plus:
+
+- A signed KYC form completed by the commercial officer.
+- A signed BaaS adhesion form.
+- A crypto exposure questionnaire (CEQ).
+- Information on the exchanges and platforms used to operate.
+- Evidence of source of funds.
+- A description of the target audience, fundraising strategy, and marketing approach (for funds operating in crypto).
+
+#### Extra documents for non-residents (CNR)
+
+Non-resident entities (companies incorporated outside Brazil opening a CNR account) submit constitutional documents matching their legal form, all duly apostilled:
+
+| Legal form | Required constitutional documents |
+| --- | --- |
+| Corporation (Corp. / Inc.) | Articles of Incorporation, Bylaws, Share Register |
+| Limited Liability Company (LLC) | Articles of Organization, Operating Agreement, Membership List |
+| Limited (Ltd) | Memorandum of Association + Certificate of Incorporation, Articles of Association, Register of Members / Shareholders |
+| Limited Liability Partnership (LLP) | Incorporation Document (UK) or Certificate of LLP (US), LLP Agreement, Register of Members |
+
+In addition:
+
+- Financial statements signed by the accountant and the legal representative.
+- Corporate organizational chart identifying ultimate beneficial owners.
+- AML/CTF policies.
+- Operating licenses, where the entity handles third-party funds.
+- Pre-approval from compliance: license, main merchants, and operational flow.
+- KYC form, due diligence form, and account-opening forms specific to the partner bank.
+- Power of attorney granting authority to a Brazilian legal representative, when the foreign representative does not hold a CPF.
+- Wolfsberg questionnaire, when the entity is a financial institution.
+
+### Individuals
+
+Individual onboarding covers natural persons opening a Trace FX account in their own name.
+
+#### Common information for individuals
+
+These fields are submitted on the create-account request:
+
+| Field | Format | Notes |
+| --- | --- | --- |
+| `owner.firstName` | string | Given name. |
+| `owner.lastName` | string | Family name. |
+| `owner.taxId.value` | string | CPF for Brazilian residents; foreign tax identifier otherwise. |
+| `owner.taxId.type` | enum | `CPF` for Brazilian residents; the corresponding type otherwise. |
+| `owner.birthDate` | `yyyy-MM-dd` | Optional. Date of birth. |
+| `owner.address` | object | Full residential address (line 1, city, state, country, postal code). |
+
+#### Common documents for individuals
+
+- Government-issued photo ID — RG, CNH, passport, RNM, or MRE. Some partner banks require the document to have been issued within the last 10 years.
+- Proof of residence issued within the last 90 days.
+- Email address and phone number.
+- Marital status, and the spouse's full name and CPF when married.
+- Tax identification number (NIF or equivalent) in the country of fiscal residence, for non-Brazilian residents.
+- Proof of income — most recent income tax return, the last three pay stubs, or equivalent evidence.
+- Profession, employer name, monthly income, and net worth, where the partner bank requires it.
+- A FATCA form for individuals classified as foreign or with fiscal residence abroad.
+
+## Related
+
+- [Open multi-currency account](/journeys/open-multi-currency-account) — end-to-end flow that submits owner details, uploads documents, and registers UBOs.
+- [Create an account](/api-reference/fx-account/accounts/create-account) — request schema for company and individual owners.
+- [Upload a document](/api-reference/fx-account/documents/upload-document) — endpoint used to submit each required document.
+- [Add a UBO](/api-reference/fx-account/beneficial-owners/add-ubo) — register a beneficial owner for a company-owned account.