Use casesFinancial institutions & fintech

  • Bank
  • Participation bank
  • Consumer finance
  • Factoring
  • Leasing
  • Payment and e-money
  • Brokerage
  • Portfolio management company
  • Crypto-asset service provider

Corporate customer due diligence

Every company account brings years of trade registry gazettes, articles, and a signature circular; the officer reads them all to find who owns the company and who may sign for it.

With the systemEach gazette read, the ownership chain traced, every signer checked against the circular; the KYC officer decides.

Who decides
KYC officer

Trade Registry Gazette · uploaded at onboarding · 4 November 2026

Board resolution on representation · logistics company

The company shall be represented and bound by the joint signatures of any two board members under the company's title, for transactions above the limit in the signature circular.

→ the opening form carries one signature

Illustrative The document as it arrives. In red, what the system marks for your expert.

1. The work

Today

  1. CollectThe company sends its Trade Registry Gazette notices, articles of association, signature circular, shareholder list, and tax certificate; the officer queries the trade registry records to confirm they are current.
  2. ReadThe officer reads every gazette notice from incorporation onward: capital increases, share transfers, mergers, board members and managers appointed, the authority each was given, and its term.
  3. TraceThey draw the ownership chain by hand, collect the documents of each corporate shareholder too, work out indirect shares, and name the beneficial owners: the natural persons above the regulation's share threshold, or those who control the company, or else its senior managing official.
  4. CheckThey check each person signing the account opening against the signature circular (single or joint signature, amount limits, the term of the authority) and screen the company, its shareholders, managers, and beneficial owners.
  5. DecideUnder your customer acceptance policy, the KYC officer decides whether the file is complete and the account can open; a high-risk customer or a politically exposed person goes to compliance and the approval your policy requires.

With the system

  1. CollectThe agent gathers, read-only, the documents uploaded at onboarding and the records from the trade-registry service you use, and lists what is missing or older than your policy allows.Agentic AI
  2. ReadThe SLM reads each gazette notice, the articles, and the signature circular, scanned and stamped, and returns the shareholders and their shares, the managers and their terms, and the signing rules, each with its gazette issue or page.SLM
  3. TraceThe agent hands each corporate shareholder to a worker that gathers its own documents, up the chain to natural persons; your written rules, run as code, compute every direct and indirect share and name the beneficial owners.Agentic AI
  4. CheckThe agent checks each signer against the circular's authority and term with your code checks and screens every person and entity found through your screening service; any hit goes to the officer and compliance.Agentic AI
  5. DecideThe KYC officer reads the onboarding summary the SLM drafted, checks it against the documents, and decides, as before, whether the account can open; the final risk rating is theirs, and high-risk customers go to compliance.Person decides

What lands on the desk

The officer gets every gazette read, the chain traced through the holding, each share computed by your own rules, every signer checked against the circular, and every name screened. Each fact names its gazette issue; the gaps are marked, and the decision stays the officer's.

FIG. 1 · Corporate onboarding fileIllustrative
New corporate account · joint-stock company · 04.11.2026Logistics company, one holding layer

Agent · documents gathered, read-only

  • metGazette notices since incorporation
  • metArticles of association, current
  • metSignature circular, notarized
  • metHolding company's registry documentsfollowed one level up
  • metCompany, shareholders, managers screenedno hit

SLM · what the documents say

  • OwnersA holding company and two natural personsgazette
  • HoldingOwned by one natural person and a foreign fundholding gazette
  • SigningTwo board members jointly; either alone below a stated limitcircular
  • TermThe board's term ends next yeargazette

Code · ownership and authority

  • A*** K***, through the holdingbeneficial owner
  • S*** D***, direct sharebelow the threshold
  • flaggedOpening form signed by one board member alonecircular

SLM · onboarding summary

One beneficial owner through the holding; the foreign fund's investors are not in the documents and are marked; the opening form carries one signature where the circular requires two.

  • SLM
  • Agent
  • Code

Why a person decidesWhether the file is complete, who the beneficial owners are, and whether the account opens are the KYC officer's; a high-risk customer goes to compliance.

DecidesKYC officer

2. The system

For your technical team — skip it if you like.

How it works

In

  • Documents uploaded at onboarding
  • Your trade-registry query service
  • The application and its signers

  1. Agent · acts

    Onboarding file agent

    Coordinator, one worker per document and corporate shareholder

    Reads

    • Everything under In

    Out

    • Every registry document for the company
    • The same for each corporate shareholder
    • Every person and entity found, screened
    • Missing or out-of-date documents listed

  2. SLM · reasons

    Registry document reader

    Fine-tuned SLM; reads gazettes, articles, and signature circulars

    Reads

    • Trade Registry Gazette notices
    • Articles of association
    • Signature circular
    • Shareholder list

    Out

    • Shareholders and their shares, by date
    • Board members, managers, and their terms
    • Signing rules: single or joint, limits, expiry
    • Each fact with its gazette issue or page

  3. Code · calculates

    Ownership and authority checks

    Your written rules, run as code; no model

    Reads

    • Shareholders at every level
    • Signing rules and the account's signers

    Out

    • Each person's direct and indirect share
    • Beneficial owners under the regulation's rule
    • Senior managing official where none qualifies
    • Each signer against authority and term

  4. SLM · reasons

    Onboarding summary writer

    SLM, in your KYC summary template

    Reads

    • The checks and their sources
    • Your KYC summary template

    Out

    • The ownership chart, each link cited
    • Signers and their authority
    • Gaps and points of doubt marked

  5. Decision

    KYC officer

    Reads

    • The onboarding summary and the documents

    Out

    • Decides whether the file is complete
    • Sets the final risk rating
    • Decides whether the account opens
    • High-risk customers go to compliance
How the agent's work is arrangedOrchestrator–workers

Orchestrator–workers

Each company brings its own documents and its own chain of shareholders, so a coordinator plans one worker per document and per corporate shareholder, following the chain until it reaches natural persons or a stop rule.

How the models are trained and tested

Your expert writes the test first. A step the test does not need is skipped, and we say why.

Show the training steps

Small language model (SLM)

  1. Test set

    200–400 past corporate files with your KYC officers' extraction of shareholders, managers, and signing rules, graded before any training.

  2. Dataset

    Past gazette notices, articles, signature circulars, and the onboarding summaries your team wrote; personal data masked in training copies where the test allows.

  3. Continued pre-training (CPT)If needed

    Only if the base model fails the test on Turkish trade-registry and company-law language.

  4. Supervised fine-tuning (SFT)

    On reading gazette notices, articles, and signature circulars, scanned and stamped, and on your KYC summary template.

  5. Reinforcement learning (RL)Skipped

    Skipped: reading facts and writing to a template are taught by fine-tuning, and the shares are computed by code.

  6. Retrieval

    Your customer acceptance policy, document freshness rules, and the regulation's text are retrieved at each file; shares and percentages come from the code, never from the model.

  7. Monitoring

    The officer corrects every summary; a missed shareholder, manager, or signing rule joins the next test.

Where the agentic system stops

Under your customer acceptance policy, the KYC officer decides whether a corporate file is complete, who its beneficial owners are, what its final risk rating is, and whether the account opens; a high-risk customer or a politically exposed person goes to compliance and the approval your policy requires.

Show its tools, limits, and record
Tools and access
Reads the documents uploaded at onboarding, your trade-registry query service, and KYC records; runs your screening service and the ownership and authority code; read-only otherwise; writes only the onboarding file.
May not
Open, refuse, or close an account, set the final risk rating, accept a beneficial owner or a signer, ask the customer for documents, dispose of a screening match, or grant itself any access.
Who decides and the written limit
KYC officerUnder your customer acceptance policy, the KYC officer decides whether a corporate file is complete, who its beneficial owners are, what its final risk rating is, and whether the account opens; a high-risk customer or a politically exposed person goes to compliance and the approval your policy requires. The system never opens or refuses an account, never sets the final rating, and never disposes of a screening match.
Stops when
A chain it cannot follow (a foreign shareholder without documents, a trust or a foundation), shares that do not add up, a signer outside their authority or term, documents older than your policy allows, any screening hit, or a politically exposed person: the file goes to the officer, marked; a screening hit or a politically exposed person also goes to compliance.
Record
Every document and registry query with its date, each fact and the gazette issue behind it, the ownership computation and the rule version, the screening results, the summary, and who decided.

How agentic systems stay inside limits

3. Value and conditions

Where the time goes, and what your institution will measure.

Where the value comes from

  1. Officer time per corporate file.
  2. Beneficial owners traced the same way in every file.
  3. Signers outside their authority caught before the account opens.

What your institution measures

  • Time from complete documents to decision
  • Officer time per corporate file
  • Files returned by compliance or internal audit
  • Signing-authority findings after opening

Measured in the Decision Blueprint

Officer time per corporate file and the time from complete documents to decision, from your onboarding log, set the baseline; your institution sets the target.

Conditions

The rules, the data, and the known error, with its guard.

  • A beneficial owner is the natural person who ultimately controls, or has ultimate influence over, the customer (MASAK Tedbirler Yönetmeliği art. 3/1-h). For a company in the trade registry, the natural-person partners holding more than a quarter of the shares are identified; where there are none, or doubt that they are the real owners, the natural persons who ultimately control it; where neither can be found, the natural persons with the highest executive authority registered in the trade registry count as beneficial owners as senior managing officials (art. 17/A).
  • For a company in the trade registry the bank takes its title, registry and tax numbers, activity, address, and its representatives' identity and signature specimens, confirms them from the registration documents, confirms representation authority from those documents, and checks that they are current with the trade registry office or the database of the Union of Chambers and Commodity Exchanges of Türkiye (TOBB) (art. 7).
  • In high-risk situations the bank applies enhanced measures proportionate to the risk, such as more information on the customer and the source of funds, or a senior official's approval to start the relationship (art. 26/A).
  • Shares through the chain are computed by code from the documents, never by the model; a foreign shareholder without registry documents stops the chain for the officer. Data stays on your servers.

Start here

We take a month of corporate files with your onboarding team, time each step from documents to decision, collect your KYC summary template and acceptance policy, and test the reader on your own gazette notices and signature circulars before anything is built.

Who builds it Every engagement is led by an engineer who has built machine-learning models that real decisions run on since 2012, and language models and agentic systems in production since 2024. About eqlx

Request a Decision BlueprintWhat the Decision Blueprint covers

Equalize the gap.

Bring work that takes expertise. Leave knowing the first step.

A short description of the work is enough; no confidential records.

  1. You send a short descriptionNo confidential records, credentials, or production data
  2. The engineer checks whether it fits, and what it would needA model, a small language model, an agent, or none
  3. A proposed first step, or an honest “not a fit”A technical conversation with the engineer
Start with a Decision BlueprintTalk to the engineer

https://eqlx.ai/use-cases/corporate-kyc · Printed copy; the website is the current version.