A KYB data provider that starts at the registry, not a cached copy
Most KYB failures trace to the same root: the vendor's database said one thing, the registry said another, and nobody checked the registry. A KYB data provider should be judged on how close its data sits to the public record it claims to represent.
Recordpipe builds compliance datasets directly from public sources and tells you when each record was captured. Entity name, status, formation details, officers, and registered agents arrive normalized into a single schema across every jurisdiction you onboard from — so your flow runs the same logic whether the applicant formed in one state or another, and your audit trail shows exactly what the public record said at decision time. That capture-time provenance matters when a regulator, auditor, or internal review asks why an entity passed onboarding: the answer is a record with a timestamp, not a vendor's shrug.
UCC filing data for exposure, diligence, and lending decisions
UCC filing data answers questions registries alone can't: who already holds a secured position against this business, what collateral is encumbered, and whether the clean balance sheet in the application matches the lien record in the public file.
Recordpipe delivers UCC filings structured for machines rather than clerks — debtor and secured-party names as filed, collateral descriptions, filing status, and amendments and terminations connected to their original filings so your team sees current position, not a pile of disconnected documents. Commercial lenders run it pre-funding. Diligence teams run it against acquisition targets. Credit teams monitor it for new filings against existing borrowers, because a new secured creditor appearing mid-relationship is exactly the kind of signal a periodic review misses. Delivered as bulk files for portfolio-wide analysis or as lookups inside your underwriting flow.
Monitoring the back book, not just the front door
Onboarding checks are where compliance programs start; back-book decay is where they get hurt. Entities dissolve, licenses lapse, officers change, and published exclusion lists update — while the file your program relies on stays frozen at approval.
Recordpipe runs continuous monitoring as a service. Your counterparty population is re-checked against refreshed registrations, license statuses, UCC filing activity, and published sanction and exclusion lists on a contracted cadence, and your systems receive deltas: which entities changed, what field, from what value to what value, captured when. The pipelines behind this already process over one million public records nightly for our own products, so monitoring a large institution's counterparty base is configuration, not a build-out. Compliance teams stop re-underwriting the whole book on a calendar and start responding to actual changes as they surface.
Delivery that fits a regulated stack
Regulated buyers have delivery constraints most data vendors treat as afterthoughts. Recordpipe treats them as the spec: a hosted API with keys and documentation for onboarding flows, scheduled file drops for batch reconciliation, output in your field names and formats, and documentation of sources and capture methodology your audit function can file.
The commercial shape is deliberately plain. A $500 scoping returns feasibility, a sample, and an exact fixed price within 5 business days. Contracts run from $5,000 for a focused registry build to $3 million for multi-jurisdiction programs with continuous monitoring. And the compliance boundary stays explicit: Recordpipe delivers raw public data, not consumer reports; we are not a consumer reporting agency; your compliance function owns the decisions. Use cases that could touch eligibility get a compliance review at intake — we would rather lose a deal than blur that line.
What a delivery looks like
| Field | Description |
|---|---|
| legal_name | Entity legal name as registered, plus normalized name for matching |
| entity_status | Registration status (active, dissolved, delinquent, merged) as published |
| formation | Jurisdiction of formation and formation date from the public record |
| officers | Officers and directors as filed, where the jurisdiction publishes them |
| registered_agent | Registered agent name and address as filed |
| ucc_filings | Linked UCC records: secured party, debtor as filed, collateral summary, filing status |
| license_status | Status of applicable public licenses for regulated counterparties |
| list_matches | Match results against published sanction and exclusion lists in scope |
| change_delta | For monitored entities: field changed, prior value, new value |
| capture_ts | Timestamp of record capture — the provenance line your audit trail cites |