HIFI Docs

Read the KYC Status guide first—it explains the compliance screening structure without Ultimate Beneficial Owners.

This guide focuses on the USD rail. Requirements and response structure differ for other rails—see the API Reference for complete details.

Status Overview

Business KYB applications move through the same statuses as individual KYC:

Status	Description
INACTIVE	No KYB submitted yet—call Submit KYC to begin verification
INCOMPLETE	Submitted data needs updates—fix flagged items and resubmit
PENDING	KYB submitted and is moving through automated compliance checks or bank onboarding
MANUAL_REVIEW	Compliance team manually reviewing before final decision
RFI_PENDING	Compliance requested additional information—check your compliance email
ACTIVE	Business passed compliance review and can use the USD rail
REJECTED	Permanently denied for USD rail—resubmission not permitted
CONTACT_SUPPORT	System couldn’t confirm status—contact HIFI support

Contact support if a business applicant remains in PENDING or MANUAL_REVIEW for more than 3 days.

Response Structure

Top-Level Fields

The KYB status response has the same top-level structure as individual KYC, but with business-specific compliance categories in the details object.

string

Current KYB application status

string

Human-readable context for developers

object

Overall decision for the KYB submission (APPROVED, DECLINED, or empty while pending review).

object

Breakdown of business compliance categories and review results

Review Result

Each compliance category includes a reviewResult object with a general summary of the compliance review outcome. The same schema is used for the top-level reviewResult field:

string

Screening outcome: APPROVED or DECLINED

string

Resubmission permission: RETRY (can resubmit) or FINAL (hard rejection). Only present when reviewAnswer is DECLINED.

array[string]

Enumerated rejection reasons. Only present when reviewAnswer is DECLINED.

string

Human-readable explanation of the rejection. Only present when reviewAnswer is DECLINED.

Review Details

The details object returns the compliance review outcome for each information category. Every category includes a reviewResult, and some categories provide additional nested data.

object

Structured business data: legal name, registered address, registration number, tax identifiers, and other non-document metadata.

Show properties

ReviewResultObject

Outcome of the automated compliance checks for the provided company attributes.

object

Responses to the compliance questionnaire (purpose of account, expected transaction volume, counterparties, source of funds).

Show properties

ReviewResultObject

Approval state for the questionnaire answers. DECLINED responses include the reason and remediation comment.

object

Document verification for the legal presence requirements.

Show properties

ReviewResultObject

Aggregate result for all submitted documents in this category.

array[Document]

List of every uploaded document that was reviewed.

Show Document item

string

UUID for the document uploaded through Update KYC.

string

Document category such as INCORPORATION_CERT, INFORMATION_STATEMENT, or PROOF_OF_ADDRESS.

string

Optional qualifier like SINGLE_SIDE or FRONT_SIDE.

ReviewResultObject

Outcome for the individual document; comments explain what to resubmit when declined.

object

Document verification for the ownership structure requirements.

Show properties

ReviewResultObject

Aggregate result for all submitted documents in this category.

array[Document]

List of every uploaded document that was reviewed.

Show Document item

string

UUID for the document uploaded through Update KYC.

string

Document category such as INCORPORATION_CERT, INFORMATION_STATEMENT, or PROOF_OF_ADDRESS.

string

Optional qualifier like SINGLE_SIDE or FRONT_SIDE.

ReviewResultObject

Outcome for the individual document; comments explain what to resubmit when declined.

object

Document verification for the company details requirements.

Show properties

ReviewResultObject

Aggregate result for all submitted documents in this category.

array[Document]

List of every uploaded document that was reviewed.

Show Document item

string

UUID for the document uploaded through Update KYC.

string

Document category such as INCORPORATION_CERT, INFORMATION_STATEMENT, or PROOF_OF_ADDRESS.

string

Optional qualifier like SINGLE_SIDE or FRONT_SIDE.

ReviewResultObject

Outcome for the individual document; comments explain what to resubmit when declined.

object

Document verification for the control structure requirements.

Show properties

ReviewResultObject

Aggregate result for all submitted documents in this category.

array[Document]

List of every uploaded document that was reviewed.

Show Document item

string

UUID for the document uploaded through Update KYC.

string

Document category such as INCORPORATION_CERT, INFORMATION_STATEMENT, or PROOF_OF_ADDRESS.

string

Optional qualifier like SINGLE_SIDE or FRONT_SIDE.

ReviewResultObject

Outcome for the individual document; comments explain what to resubmit when declined.

object

Aggregated status for all UBOs. It contains a category-level reviewResult and a details array with one entry per UBO. Each UBO entry mirrors the individual KYC structure described in the KYC Status guide (personal info, identity documents, proof of address, questionnaire).

Show properties

ReviewResultObject

Combined decision for the UBO set. If declined, consult each entry for remediation guidance.

array[Ubo]

One entry per Ultimate Beneficial Owner.

Show UBO item

string

UUID used to update the UBO’s information via Update KYC.

string

Current onboarding status for that UBO (ACTIVE, INCOMPLETE, etc.).

string

Contextual message for developers or support agents.

string

Hosted verification URL returned when the UBO must complete live identity checks for virtual-account enablement. Show this URL to the corresponding UBO; Sumsub handles the verification experience after they open it. See Liveness Checks.

ReviewResultObject

Decision for the specific UBO.

object

Nested verification categories (personalInfo, identity, proofOfAddress, questionnaire) following the individual KYC schema.

Response Breakdown

Business passed all compliance checks and completed bank onboarding. They can now use the USD rail.

{
  "status": "ACTIVE",
  "message": "",
  "reviewResult": {
    "reviewAnswer": "APPROVED",
    "reviewRejectType": "",
    "rejectReasons": [],
    "comment": ""
  },
  "details": {
    "companyInfo": {
      "reviewResult": {
        "reviewAnswer": "APPROVED",
        "reviewRejectType": "",
        "rejectReasons": [],
        "comment": ""
      }
    },
    "questionnaire": {
      "reviewResult": {
        "reviewAnswer": "APPROVED",
        "reviewRejectType": "",
        "rejectReasons": [],
        "comment": ""
      }
    },
    "legalPresence": {
      "reviewResult": {
        "reviewAnswer": "APPROVED",
        "reviewRejectType": "",
        "rejectReasons": [],
        "comment": ""
      },
      "details": [...]
    },
	"ownershipStructure": {
      "reviewResult": {
        "reviewAnswer": "APPROVED",
        "reviewRejectType": "",
        "rejectReasons": [],
        "comment": ""
      },
      "details": [...]
    },
	"companyDetails": {
      "reviewResult": {
        "reviewAnswer": "APPROVED",
        "reviewRejectType": "",
        "rejectReasons": [],
        "comment": ""
      },
      "details": [...]
    },
	"controlStructure": {
      "reviewResult": {
        "reviewAnswer": "APPROVED",
        "reviewRejectType": "",
        "rejectReasons": [],
        "comment": ""
      },
      "details": [...]
    },
    "ultimateBeneficialOwners": {
      "reviewResult": {
        "reviewAnswer": "APPROVED",
        "reviewRejectType": "",
        "rejectReasons": [],
        "comment": ""
      },
      "details": [
        {
          "id": "74441b74-caab-5f74-8e24-3fcee83faac8",
          "status": "ACTIVE",
          "reviewResult": {
            "reviewAnswer": "APPROVED",
            "reviewRejectType": "",
            "rejectReasons": [],
            "comment": ""
          }
        }
      ]
    }
  }
}

No KYB submission made yet. Call the Submit KYC endpoint to begin verification.

{
  "status": "INACTIVE",
  "message": "The rail is not active.",
  "reviewResult": {},
  "details": {}
}

Application is moving through automated compliance screening or bank onboarding.

{
  "status": "PENDING",
  "message": "",
  "reviewResult": {},
  "details": {
    ...
  }
}

Contact support if status doesn’t change within 3 days for business applicants.

Compliance team is manually reviewing the application. This typically follows PENDING when additional investigation is needed.

{
  "status": "MANUAL_REVIEW",
  "message": "",
  "reviewResult": {},
  "details": {}
}

Contact support if status doesn’t change within 3 days.

Submitted data needs updates before verification can continue. Use the reviewResult in each compliance category to identify what needs fixing.

{
  "status": "INCOMPLETE",
  "message": "",
  "reviewResult": {
    "reviewAnswer": "DECLINED",
    "reviewRejectType": "RETRY",
    "rejectReasons": ["UNFILLED_ID"],
    "comment": ""
  },
  "details": {
    "companyInfo": {
      "reviewResult": {
        "reviewAnswer": "APPROVED",
        "reviewRejectType": "",
        "rejectReasons": [],
        "comment": ""
      }
    },
    "questionnaire": {
      "reviewResult": {
        "reviewAnswer": "APPROVED",
        "reviewRejectType": "",
        "rejectReasons": [],
        "comment": ""
      }
    },
    "legalPresence": {
      "reviewResult": {
        "reviewAnswer": "DECLINED",
        "reviewRejectType": "RETRY",
        "rejectReasons": ["SCREENSHOTS"],
        "comment": "Screenshots aren't accepted. Please upload a live photo of the document."
      },
      "details": [...]
    },
	"ownershipStructure": {
      "reviewResult": {
        "reviewAnswer": "DECLINED",
        "reviewRejectType": "RETRY",
        "rejectReasons": ["SCREENSHOTS"],
        "comment": "Screenshots aren't accepted. Please upload a live photo of the document."
      },
      "details": [...]
    },
	"companyDetails": {
      "reviewResult": {
        "reviewAnswer": "APPROVED",
        "reviewRejectType": "",
        "rejectReasons": [],
        "comment": ""
      },
      "details": [...]
    },
	"controlStructure": {
      "reviewResult": {
        "reviewAnswer": "APPROVED",
        "reviewRejectType": "",
        "rejectReasons": [],
        "comment": ""
      },
      "details": [...]
    },
    "ultimateBeneficialOwners": {
      "reviewResult": {
        "reviewAnswer": "DECLINED",
        "reviewRejectType": "RETRY",
        "rejectReasons": ["SCREENSHOTS"],
        "comment": ""
      },
      "details": [
        {
          "id": "74441b74-caab-5f74-8e24-3fcee83faac8",
          "status": "INCOMPLETE",
          "reviewResult": {
            "reviewAnswer": "DECLINED",
            "reviewRejectType": "RETRY",
            "rejectReasons": ["SCREENSHOTS"],
            "comment": ""
          },
          "details": {
            "identity": {
              "reviewResult": {
                "reviewAnswer": "DECLINED",
                "reviewRejectType": "RETRY",
                "rejectReasons": ["SCREENSHOTS"],
                "comment": "Screenshots aren't accepted. Please upload a live photo of the document."
              }
            }
          }
        }
      ]
    }
  }
}

How to resolve:

Check the reviewResult in each compliance category for DECLINED items
Read the comment field for specific guidance
For company data: Use Update KYC to update non-document information, or Update Document / Add Document to update documentation.
For UBO data: Update the specific UBO’s information using their id with Update UBO or Update Document / Add Document to update documentation.
Call Submit KYC to trigger a new review

Business compliance category mapping:

Category	Contains
companyInfo	Business name, address, registration number, tax ID
questionnaire	Source of funds and intended use responses
legalPresence	Legal presence documentation
ownershipStructure	Ownership structure documentation
companyDetails	Company details documentation
controlStructure	Control structure documentation
ultimateBeneficialOwners	Individual KYC for each UBO (see KYC Status)

For compliance reasons, detailed rejection information is only available for documentation—not for other categories. Each UBO follows the individual KYC structure detailed in the KYC Status guide.

Compliance sent a Request for Information (RFI) to your compliance email asking for additional details about this business.

{
  "status": "RFI_PENDING",
  "message": "",
  "reviewResult": {},
  "details": {}
}

Monitor your compliance inbox for RFI requests from @hifi.com

Business is permanently denied for the USD rail. Resubmission via API is not permitted.

{
  "status": "REJECTED",
  "message": "",
  "reviewResult": {},
  "details": {}
}

Contact support if you believe this status is incorrect.

System couldn’t process the KYB or return the correct status. Contact HIFI support for resolution.

{
  "status": "CONTACT_SUPPORT",
  "message": "",
  "reviewResult": {},
  "details": {}
}

Introduction

Core concepts

Features

Compliance

Payments

References

KYB Status

Status Overview

Response Structure

Top-Level Fields

Review Result

Review Details

Response Breakdown

​Status Overview

​Response Structure

​Top-Level Fields

​Review Result

​Review Details

​Response Breakdown

Status Overview

Response Structure

Top-Level Fields

Review Result

Review Details

Response Breakdown