Business KYB & UBO Detection

700 148 2917

Wathq verifiedLLC · RiyadhActive

Enter the Unified Number (700)

Ayn fetches the business record directly from Wathq and verifies it in real time.

L1 · 20%L2 · 50%L3 · 40%

Effective ownership 4%UBO by control

n levels deep, automatically

Ownership cascades

The structure unfolds n levels deep automatically. Effective ownership is calculated per node.

2 UBOs screened6 associations linkedRisk folded into score

2,700+ watchlists · Nafith · Makken · adverse media

Every UBO is screened

UBOs and associations are cross-referenced against screening results, and their risk folds into the client's score.

Ownership chain · Al-Faisal Capital Holding Group

Effective ownership calculated per node, n levels deep

Riyadh Strategic Investments Co.

Owns 20% of the client directly

20%effective

Omar El-Sayed

Owns 50% of Riyadh Strategic · 20% × 50%

10%effective

Hassan Al-Ali

Owns 40% of Riyadh Strategic · 20% × 40%

8%effective

James Richardson

Board of Director · control without ownership

UBO by control

Threshold: 25% ownership or effective control2 UBOs detected · both screened

Track UBOs and related parties effortlessly

Ownership in the Kingdom is rarely one layer deep. Company A owns Company B. Company B owns Company C. Ayn unfolds all of it.

Each node shows its effective ownership of the client.

A person who controls the company without 25% ownership is still detected.

Every detected UBO goes through watchlist screening, like any client.

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Map every relationship, not just owners

Add dozens of relationship types: shareholders, board members, affiliates, and more.

Associations are synced, screened, and linked in real time.

Association risk folds into the client's overall risk score automatically.

One picture of the organization: graph view for the story, table view for the audit.

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Associations · Al-Faisal Capital Holding Group

GraphTable

Al-Faisal Capital

Riyadh StrategicShareholder

Sara Al-AliAuth. Signatory

James RichardsonBoard of Director

Najd HorizonAffiliate

Gulf Trade BankGuarantor

NameRelationshipScreeningRisk

Riyadh Strategic Investments Co.ShareholderClear+0.3

Sara Al-AliAuth. SignatoryClear+0.0

James RichardsonBoard of DirectorHit · PEP+0.8

Najd Horizon Investment CompanyAffiliateClear+0.1

Gulf Trade BankGuarantorClear+0.1

Association risk folded into the client score3.4 → 3.8

Total Parties

Identified UBO

Flagged (Hits)

Pending Approval

Total Ownership Coverage

97%3% unaccounted

Start from the source of truth

Enter a Unified Number (700). AYN pulls and verifies the record from Wathq in real time.

Every Saudi legal entity type is covered: LLC, PJSC, and others.

Corporate address and IBAN verification available to get a complete profile.

KYB expiry management sends auto-renewal alerts before records go stale.

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Integrations & Customization

Ayn connects to any system you already use.

Ayn is fully system-agnostic. Whether you're running a custom-built CRM, a third-party portfolio management system, or an in-house data warehouse, Ayn integrates via REST APIs without requiring you to change your existing infrastructure.

REST API access across all modules: screening, KYC, KYB, transaction monitoring, and IDV

Webhook support for custom event triggers with real-time notifications into your own systems

Module-level customization to tailor workflows, risk rules, and outputs to your firm's specific requirements

Sample API response: client screening resultJSON

{
  "client_id": "CMI-2024-00421",
  "screening_status": "clear",
  "risk_score": 24,
  "risk_classification": "low",
  "country_risk": {
    "fatf_status": "compliant",
    "score": 12,
    "last_updated": "2026-06-02"
  },
  "watchlists_checked": 1847,
  "nafith_checked": true,
  "makken_checked": true
}

Screening API

Trigger checks and retrieve match results programmatically

KYC / KYB API

Initiate onboarding and retrieve risk scores and status

Transaction API

Submit transactions for monitoring and retrieve alerts

Webhooks

Real-time notifications for alerts, changes, and expirations

Not just another SaaS

Financial-grade tenant isolation.

Each Ayn customer is provisioned with dedicated Production and UAT databases, providing database-level separation between customers as well as between testing and live environments.

Rather than relying solely on logical tenant identifiers within a shared database, Ayn isolates customer data at the database level. This architecture reduces cross-tenant exposure risk, limits the potential blast radius of incidents, and enables independent backup, recovery, retention, and lifecycle management for each customer.

Dal’s AML platform has truly been a game changer for us. Alongside comprehensive global PEP and sanctions screening, it has automated and streamlined CMA reporting, saving us significant time and effort. What sets Dal apart is their deep understanding of CMA requirements and how things are done in practice — they simplify the process and make it much easier to navigate. On top of that, their customer support is outstanding: responses come quickly, often within the hour, and they don’t just acknowledge feedback but act on it, reflecting and implementing improvements without delay. Their commitment, agility, and reliability have made them not just a solution provider, but a trusted partner for us at Pinnacle Capital.

Maha AlThehaiban

Compliance & AML Lead, Pinnacle Capital

Dal began where others stopped. We quickly came to rely fully on their platform. Their true strength shows in handling Nafith, Makken, and Adverse Media. The pace of their development is impressive, and with such a passionate team, it’s hard to imagine how far they’ll go a year from now!

Norah Albarraq

Chief Compliance Officer, TAM Capital

Ayn gave us flexibility in building customer risk assessments that reflect the nature of our activities and products, through customizable risk factors and weights. The dashboard also improved our tracking of open cases and matters by providing a clearer view of each customer's status and the actions required, which sped up processing and raised the efficiency of our decision-making.

Turki Al-Aidi

Head of Compliance and AML, Dinar

Ayn's products added tangible value to our business through a comprehensive solution that elevates the efficiency of our internal operations. The platform's readiness and the responsiveness of the Dal team enabled us to activate the products in less than a week from signing, which helped accelerate adoption, raise team efficiency, and reduce the time required to complete tasks.

Abdullah Al-Andas

CEO, Wadaie

Additional Reasons to choose eKYB and UBO Detection from AYN

UBO by ownership and control

Both tests under Saudi Arabia's 2025 regulations: 25%+ ownership and effective control.

n-level auto-cascade

Nested UBOs are found automatically. Deeper cascades can be configured.

Effective ownership per node

Calculated across the full chain, not just the top layer.

Real-time associations

Add dozens of relationship types. Associations are synced, screened, and linked as they change.

Association risk in the score

Association risk folds into the client's overall risk score automatically.

Graph and table views

See the structure as a relationship graph or as a table. Same data, both views.

Corporate portal

White-label onboarding for businesses on your own domain, with corporate address and IBAN verification.

KYB expiry management

Auto-renewal alerts before records go stale.

Support

Frequently asked questions

How does Ayn verify a Saudi business?

Through a direct Wathq integration. Ayn fetches the business record from Saudi Arabia's authoritative registry and verifies it in real time.

How does Ayn detect UBOs?

Under both tests in Saudi Arabia’s 2025 regulations: 25% or more ownership, and effective control. The ownership structure cascades n levels deep automatically.

Which Saudi entity types are supported?

All of them, including LLC and PJSC.

Are detected UBOs screened too?

Yes. UBOs and associations are cross-referenced against watchlist screening results, and association risk folds into the client's overall risk score.

How do we see the ownership structure?

As a visual relationship graph, or as a table. Both views show the same data.

Compliance software built for the Kingdom.

Automate 90% of your AML tasks. Start with a demo.

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