Computes indirect natural-person beneficial ownership via recursive ownership-tier multiplication under FinCEN CDD Rule 31 CFR 1010.230. Bank KYB customer due diligence: 25% legal-entity beneficial ownership threshold. ZERO PII: synthetic entity identifiers only. Never real SSN, TIN, or personal identifying data.
⚠ REGIME SCOPE: FinCEN CDD Rule 31 CFR 1010.230 — bank KYB customer due diligence beneficial-ownership certification. 25% threshold for legal-entity customers. This is NOT the Corporate Transparency Act (CTA) / Beneficial Ownership Information (BOI) reporting (31 USC 5336). Domestic CTA reporting was removed by FinCEN Interim Final Rule (IFR) effective 21 Mar 2025 for US companies. For OFAC 50% Rule (sanctions aggregation), see ART-91 aggregate_ownership_50pct.
🔒 All inputs are processed locally in your browser. No data is transmitted. Use synthetic entity identifiers only. NEVER enter real SSN, TIN, EIN, personal names, or addresses. This tool accepts structural ownership percentages and synthetic IDs only.
Ownership Tiers (entity-to-entity)
Each tier: {"entity_id":"...","parent_id":"...","ownership_pct":N}. Use synthetic IDs. parent_id null = root. ownership_pct = direct ownership % this entity holds in parent.
Natural Persons
Synthetic IDs only. These are flagged as natural persons for beneficial-owner determination.
Target Entity
The legal-entity customer whose beneficial owners are being identified.