> ## Documentation Index
> Fetch the complete documentation index at: https://docs.conduit.financial/llms.txt
> Use this file to discover all available pages before exploring further.

# Enhanced Due Diligence

> When a business onboarding owes extra fields and documents, and how to see which ones before you submit.

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](https://docs.conduit.financial/kyb/individuals.md#enhanced-due-diligence).

## 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.

## 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`.

```json theme={null}
{
  "pointer": "/certification/treasuryOnlyCertification",
  "label": "Treasury-Only Certification",
  "type": "boolean",
  "required": true,
  "enhancedDueDiligence": true
}
```

The label appears on rows in `fields[]`, `documents[]` and `individualRequirements[]`, and on the `fields[]` and `documents[]` inside each `individualRequirements[]` row.

## 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:

```bash theme={null}
curl 'https://api.conduit.financial/v2/onboarding/requirements?country=GB&industry=real_estate&regulatedActivity=none' \
  -H "x-api-key: YOUR_API_KEY"
```

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](https://docs.conduit.financial/guides/onboard-customer.md#fields-that-depend-on-an-earlier-answer).

## 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.

```json theme={null}
{
  "data": [
    {
      "key": "real_estate",
      "label": "Real Estate",
      "enhancedDueDiligence": true
    }
  ]
}
```

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.


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