> ## Documentation Index > Fetch the complete documentation index at: https://v2.docs.conduit.financial/llms.txt > Use this file to discover all available pages before exploring further. # Finland > How to collect KYB documents from business customers in Finland (FIN) when onboarding through the Conduit API. ## Overview | Field | Value | | ------------ | ------------------------------------ | | Region | Europe | | ISO 3166-1 | FI / FIN | | Registry | Patentti- ja rekisterihallitus (PRH) | | Last updated | 2026-05-06 | ## Identifiers Collect two identifiers from each business customer in Finland and submit them as strings on the application body. | API field | Local name | Issuer | | ------------------------------- | ------------ | ----------------------------------- | | `businessInfo.taxId` | **Y-tunnus** | PRH (via YTJ start-up notification) | | `businessInfo.businessEntityId` | **Y-tunnus** | PRH (via YTJ start-up notification) | *Tax ID:* Y-tunnus format: 7 digits + hyphen + check digit (e.g. 1234567-8). EU VAT ID = "FI" + Y-tunnus digits without hyphen (e.g. FI12345678). Single identifier used for all tax filings. *Registration number:* Y-tunnus format: 7 digits + hyphen + check digit (e.g. 1234567-8). EU VAT ID = "FI" + Y-tunnus digits without hyphen (e.g. FI12345678). Single identifier used for all tax filings. ## Sector regulators `Finanssivalvonta/FIN-FSA` · `Suomen Pankki/Bank of Finland` ## Legal structures | Local name | Abbreviation | Description | | --------------------- | ------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Osakeyhtiö | Oy | Private limited liability company; no minimum share capital since 2019-07-01 reform; the dominant SME corporate vehicle in Finland. Closest US equivalent: LLC. | | Julkinen osakeyhtiö | Oyj | Public limited company; minimum €80,000 share capital; shares may be listed on Nasdaq Helsinki or other regulated markets. Closest US equivalent: C-Corp. | | Avoin yhtiö | Ay | General partnership; all partners bear joint and unlimited personal liability; formed by written or oral partnership agreement under Partnership Act 389/1988. Closest US equivalent: General Partnership. | | Kommandiittiyhtiö | Ky | Limited partnership; at least one unlimited general partner (vastuunalainen yhtiömies) and one or more limited partners (äänetön yhtiömies) whose liability is capped at their contribution. Closest US equivalent: Limited Partnership. | | Toiminimi | Tmi | Sole trader; no separate legal personality; the owner bears unlimited personal liability; registration with PRH is required for commercial activity but is not constitutive. Closest US equivalent: Sole Proprietorship. | | Osuuskunta | Osk | Cooperative; variable membership and share capital; members share economic activity for mutual benefit; governed by Cooperatives Act 421/2013. Closest US equivalent: Cooperative. | | Sivuliike | — | Branch of a foreign company registered in Finland; not a separate legal entity; the foreign parent retains full liability; must appoint an EEA-resident representative. Closest US equivalent: Branch/Representative Office. | | Rekisteröity yhdistys | ry | Registered association; a non-profit membership organisation that must register with PRH Trade Register only if it operates a permanent place of business or employs staff; governed by Associations Act 503/1989. Closest US equivalent: Nonprofit Organization. | | Säätiö | — | Foundation; a purpose-bound endowment entity with minimum €50,000 capital and no members or shareholders; supervised by PRH; must register in Trade Register if it conducts business. Closest US equivalent: Foundation/Nonprofit Organization. | ## How documents combine For each evidence area, this table shows whether the listed documents are alternatives (any one of) or a bundle (all required). The artifact-by-artifact lookup follows below. | Evidence area | Documents needed | | ---------------------- | ------------------------------------------------------------------- | | Legal Registration | Kaupparekisteriote | | Constitutive Documents | *Any one of:* Yhtiöjärjestys · Yhtiösopimus | | Tax Registration | Verohallinto rekisteriote | | Ownership Records | Osakasluettelo | | Governance Records | Kaupparekisteriote | | Signing Authority | *Any one of:* Kaupparekisteriote · Hallituksen pöytäkirja · Prokura | | Address | *Any one of:* Vuokrasopimus · Sähkölasku · Tiliote | | Good Standing | Kaupparekisteriote | ## Documents to collect The physical documents you'll collect from your customer, with the evidence area each one proves. One document can prove multiple areas — for example, Brazil's Cartão CNPJ covers both tax and business-registration proof, so it appears once with both areas listed. | Document | Proves | | ------------------------------------------------------------------- | ------------------------------------------------------------------------ | | **Kaupparekisteriote** | Legal Registration, Governance Records, Signing Authority, Good Standing | | **Yhtiöjärjestys (Oy/Oyj)** | Constitutive Documents | | **Yhtiösopimus (Ay/Ky)** | Constitutive Documents | | **Verohallinto rekisteriote (Tax Administration register extract)** | Tax Registration | | **Osakasluettelo** | Ownership Records | | **Hallituksen pöytäkirja (board resolution)** | Signing Authority | | **Prokura (commercial power of attorney)** | Signing Authority | | **Vuokrasopimus** | Address | | **Sähkölasku (≤90 päivää)** | Address | | **Tiliote (≤90 päivää)** | Address | | **Sector-Specific License** | FIN-FSA toimilupa, FIN-FSA rekisteröinti (sector-specific registration) | **Not applicable in Finland:** Operating Permit. Skip these areas — no local artifact exists. ### Collection notes * **Legal Registration:** Downloadable from prh.fi or ytj.fi; confirms Y-tunnus, registered office, entity type, governing bodies, status; available in Finnish, Swedish, or English. * **Constitutive Documents:** Filed with PRH at incorporation; retrievable via prh.fi document service; Ay/Ky uses a partnership agreement (yhtiösopimus) instead of articles. * **Tax Registration:** Confirms Y-tunnus and registration status in VAT, prepayment, and employer registers; printable via MyTax (vero.fi); VAT number = FI + 8-digit Y-tunnus. * **Sector-Specific License:** Required for credit institutions (Laki luottolaitostoiminnasta 610/2014 §4), payment institutions and e-money institutions (Laki maksulaitoksista 297/2010), investment firms, insurance companies; licence register at finanssivalvonta.fi. * **Governance Records:** Lists board members (hallitus), chair (hallituksen puheenjohtaja), managing director (toimitusjohtaja), and any registered prokura holders (prokuristit) with signing-authority combinations. * **Signing Authority:** Signing authority (nimenkirjoitusoikeus) is registered in Trade Register; prokura grants broad commercial authority (Kauppakaari/Commercial Code); board resolution required for non-routine acts. * **Address:** Conduit universal policy: lease (no time bound) OR utility bill OR bank statement, with utility/bank dated within 90 days. Same evidence satisfies both registered-address and operating-address checks. * **Good Standing:** PRH does not issue a separate certificate of good standing; a current Kaupparekisteriote (Trade Register Extract) downloaded from prh.fi/virre or ytj.fi reflects live registration status including any de-registration or liquidation entries. Available in Finnish, Swedish, or English. Request issuance within 30 days for banking use. ## Person roles When you submit a person on the application body, set their `role` to one of Conduit's canonical `BusinessPersonRole` values. Use this table to map a local corporate-governance title onto the right canonical role. | Local role | Canonical API role | Description | | ------------------------------------------------ | ---------------------- | -------------------------------------------------------------------------------------------------------- | | Hallituksen jäsen (board member) | `CONTROLLING_PERSON` | Member of hallitus (board of directors); governance role; mandatory in Oy (OYL 624/2006 Ch. 6). | | Hallituksen puheenjohtaja (board chair) | `CONTROLLING_PERSON` | Chair of hallitus; governance role, not day-to-day operational authority. | | Toimitusjohtaja (managing director) | `CONTROLLING_PERSON` | Appointed by hallitus; day-to-day operational authority; not mandatory but common in larger Oy. | | Vastuunalainen yhtiömies (Ay/Ky general partner) | `CONTROLLING_PERSON` | General partner with management authority and unlimited liability in Ay or Ky. | | Prokuristi (procuration holder) | `LEGAL_REPRESENTATIVE` | Holder of prokura; broad commercial signing authority registered in Trade Register (Kauppakaari 3/1734). | ## Notes * Single identifier: Y-tunnus serves as both the registry number and the corporate tax ID — collect one certificate; both `businessInfo.taxId` and `businessInfo.businessEntityId` take the same value. * Osakasluettelo is not public and not filed with PRH. The internal share register (OYL 624/2006 Ch. 3 §15) is maintained by the company itself; PRH does not hold it. For KYB, request the Edunsaajarekisteri extract from PRH plus a company-certified copy of the osakasluettelo directly from the entity. * Edunsaajarekisteri access requires legitimate-interest registration. Post-CJEU WM/Sovim (2022-11-22), general public access was restricted; Conduit as a regulated obliged entity must register with PRH and pay per-extract fees (€30) or hold an annual contract; access not automatic. * Oy minimum share capital was abolished 2019-07-01 (OYL amendment eff. 2019-07-01). Pre-2019 documents will show €2,500 minimum; this is no longer required. Do not reject entities with €0 registered capital. * Bilingual registry: extracts in Finnish/Swedish/English. Finland is constitutionally bilingual; Trade Register extracts and articles of association may be in Finnish or Swedish — request an English extract via PRH's order service if needed for downstream review. * From 2026, all Trade Register notifications must be filed electronically (PRH mandatory online-only filing from 2026-01-01); paper-based historical filings still retrievable via PRH document order service.