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Enhanced due diligence is a deeper review that Conduit applies to some businesses. It asks for extra fields and documents, and it can lower the ownership threshold at which a person is listed as a beneficial owner. This page covers a business. For a natural person, see Onboarding an Individual.

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What triggers it

A business owes enhanced due diligence because of one or more of these:
  • Its registered country.
  • Its primary industry. This includes some financial-sector industries.
  • A regulated or restricted activity that it declares.

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Which rows it adds

You do not need to know the list. GET /v2/onboarding/requirements returns every field, document, and person requirement the business owes, and marks each row that only enhanced due diligence requires with enhancedDueDiligence: true. A row that every business owes never carries the label. The property is absent, never false.
The label appears on rows in fields[], documents[] and individualRequirements[], and on the fields[] and documents[] inside each individualRequirements[] row.

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See the resolved list

Send the facts that decide it. A request with country, industry, and regulatedActivity returns the rows the business owes, with no condition left on the industry or the activities:
When the request leaves out industry or regulatedActivity, the rows that depend on it come back as conditional rows. They carry conditions[] or anyOfConditions[] and keep the enhancedDueDiligence label. Read them as described in Fields that depend on an earlier answer.

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Check an industry or activity before you ask

Each entry from GET /v2/onboarding/policy-subjects?axis=industry and axis=regulated_activity carries enhancedDueDiligence. It is true when choosing that entry adds enhanced due diligence requirements. Use it to warn a user before they pick, or to explain why a submission needs more.
The flag says that the entry adds requirements. It does not rate the business. A country can still add enhanced due diligence when the flag is false, so send country to the requirements endpoint for the full list.