Authentication

Turn KYB/KYC processes into a competitive advantage by quickly verifying SMB ownership and identities, ensuring faster, more reliable decisions across your business.

Transform KYB/KYC checks into actionable, real-time insights, so your team can make decisions quickly and confidently. By validating ownership and business legitimacy accurately, you minimize errors and operational delays. This speed and precision give you an edge over competitors, enabling smarter strategies and faster execution. Make identity verification a tool for growth, not a bottleneck.

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Eliminate Onboarding Friction Without Increasing Commercial Risk

Manual Know Your Business (KYB) checks create massive operational bottlenecks. Verifying Secretary of State filings, confirming tax IDs, and tracing corporate ownership across 50 different state registries can stall merchant onboarding for days—leading to drop-offs, increased acquisition costs, and frustrated compliance teams.

Excipio transforms fragmented U.S. business records into a single, real-time verification feed. By combining official government registries, commercial credit linkages, and dynamic operational signals into a sub-second API response, Excipio enables fintechs, commercial lenders, and enterprise SaaS platforms to verify legitimate businesses automatically.

Key Takeaway: Move from multi-day manual compliance reviews to instant, automated merchant approval with verified data on over 33 million U.S. small and medium-sized businesses.

End-to-End Business Legitimacy & Ownership Validation

Business Entity Validation: Confirm a company’s active legal standing, incorporation date, address history, and entity type by validating against official state filings.

Beneficial Ownership & Hierarchy Linkage: Uncover complex parent-child corporate structures, ultimate beneficial owners (UBO), registered agents, and authorized signers across related entities.

TIN & EIN Match Validation: Verify Taxpayer Identification Numbers and Employer Identification Numbers against legal entity names to prevent misrepresentation and tax filing fraud.

Industry & Regulatory License Verification: Confirm whether a business holds the required professional licenses and regulatory permits for its industry, so you can verify it is properly authorized to operate.

Built for Low-Latency APIs and Modern Data Workflows

API

Real-Time Matching API: Query our authentication engine directly during signup flows to verify and resolve identities instantly

SNOWflake

Snowflake Secure Data Sharing: Access Excipio's complete 33M+ U.S. SMB dataset directly inside your Snowflake warehouse with zero ETL, zero data movement, and instant querying.

Batch

Automated Batch Processing: Enrich your existing business accounts on a recurring schedule to monitor status changes, Secretary of State dissolutions, and emerging factors.

Unrivaled Depth in U.S. Commercial Intelligence

33M+ Active U.S. SMB Records: Complete coverage across sole proprietorships, LLCs, C-Corps, S-Corps, and partnerships across all 50 states.

3,000+ Dynamic Signals: Go beyond static registry checks with real-time operational indicators, domain verifications, corporate linkages, and trade history.

Continuous Updates: Our automated ingestion engine perpetually scans state filings, court records, and commercial registries to ensure you never make compliance decisions on stale data.