> ## 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. # Saudi Arabia > How to collect KYB documents from business customers in Saudi Arabia (SAU) when onboarding through the Conduit API. ## Overview | Field | Value | | ------------ | ---------------------------- | | Region | Asia (West, South & Central) | | ISO 3166-1 | SA / SAU | | Registry | MoC / Saudi Business Center | | Last updated | 2026-05-06 | ## Identifiers Collect two identifiers from each business customer in Saudi Arabia and submit them as strings on the application body. | API field | Local name | Issuer | | ------------------------------- | --------------------------------------------------------- | --------------------------- | | `businessInfo.taxId` | **TIN (Tax Identification Number / رقم التعريف الضريبي)** | ZATCA | | `businessInfo.businessEntityId` | **CR Number (رقم السجل التجاري)** | MoC / Saudi Business Center | *Tax ID:* 10 digits for legal entities. VAT number is a separate 15-digit identifier (starts with "3" for KSA); only VAT-registered entities have one. *Registration number:* 10 digits; starts with "7". Found top-left of CR Certificate; verifiable at mc.gov.sa. ## Sector regulators `SAMA` · `IA` · `CMA` · `CST` · `MISA` ## Legal structures | Local name | Abbreviation | Description | | ---------------------------------------------------------- | ------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Sharika Dhaat Mas'uliyya Mahduda (شركة ذات مسؤولية محدودة) | LLC | Quota-based limited-liability company; single or multiple shareholders; no minimum capital; managed by one or more Mudirs. The default SME vehicle in KSA. Equivalent to a US LLC. | | Sharika Mosahamat (شركة مساهمة) | JSC | Joint Stock Company; minimum SAR 500,000 capital; shares freely transferable; governed by a Board of Directors of at least three members; can be listed on Tadawul. Equivalent to a US C-Corp. | | Sharika Mosahamat Mubassata (شركة مساهمة مبسطة) | SJSC | Simplified Joint Stock Company introduced by Royal Decree M/132 (2022); single shareholder permitted; no minimum capital; flexible governance (sole chairman, sole manager, or board); designed for startups and VC-backed ventures. Closest US equivalent: C-Corp. | | Sharika Tadamun (شركة تضامن) | GP | General Partnership; all partners bear unlimited joint and several liability for company obligations. Equivalent to a US General Partnership. | | Sharika Tawsiya Basita (شركة توصية بسيطة) | LP | Limited Partnership; at least one general partner with unlimited liability and one or more limited (silent) partners whose liability is capped at their contribution. Equivalent to a US Limited Partnership. | | Sharika Mihaniyya (شركة مهنية) | — | Professional Company formed by two or more licensed professionals (e.g., lawyers, accountants, engineers) to practise a regulated profession; partners bear joint unlimited liability for professional obligations. Equivalent to a US LLP. | | Mu'assasa Fardiyya (مؤسسة فردية) | — | Individual Establishment; a sole-proprietor trading vehicle owned and operated by one Saudi or GCC national; obtains its own CR from MoC but has no separate legal personality from the owner. Equivalent to a US Sole Proprietorship. | | Far' Sharika Ajnabiyya (فرع شركة أجنبية) | — | Branch of a Foreign Company; a registered extension of a foreign parent entity, licensed via MISA and issued its own CR; no separate legal personality from the parent, which bears unlimited liability. Equivalent to a US Branch/Rep Office. | ## 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 | CR Certificate | | Constitutive Documents | *Any one of:* Aqd Ta'sis · Nizam Asasi | | Tax Registration | ZATCA TIN Certificate | | Operating Permit | Baladiyah Commercial Licence | | Ownership Records | *Any one of:* Aqd Ta'sis · Nizam Asasi | | Governance Records | *Any one of:* CR Extract · Aqd Ta'sis · Nizam Asasi · Board Filings | | Signing Authority | Wakala (Notarised Power of Attorney) | | Address | *Any one of:* Ejar Tenancy Contract · SEC / NWC Bill · كشف حساب بنكي | | Good Standing | CR Extract | ## 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 | | ----------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------ | | **CR Certificate (Sijil At-Tijari)** | Legal Registration | | **Aqd Ta'sis (LLC/SJSC)** | Constitutive Documents, Ownership Records, Governance Records | | **Nizam Asasi (JSC)** | Constitutive Documents, Ownership Records, Governance Records | | **ZATCA TIN Certificate** | Tax Registration | | **Baladiyah Commercial Licence (رخصة تجارية)** | Operating Permit | | **CR Extract (Commercial Registration Extract — مستخرج السجل التجاري)** | Governance Records, Good Standing | | **Board Filings (JSC — board appointment / resolution filings at MoC)** | Governance Records | | **Wakala (Notarised Power of Attorney)** | Signing Authority | | **Ejar Tenancy Contract** | Address | | **SEC / NWC Bill (خلال 90 يومًا)** | Address | | **كشف حساب بنكي (خلال 90 يومًا)** | Address | | **Sector-Specific License** | SAMA licence (banking/payments), IA licence (insurance), CMA licence (securities), CST licence (telecom), MISA Registration (foreign investment) | ### Collection notes * **Legal Registration:** Issued by MoC/SBC; 10-digit CR No.; verified at mc.gov.sa. * **Constitutive Documents:** Notarised electronically via MoC portal; Arabic prevails; published in Umm Al-Qura (Official Gazette). * **Tax Registration:** 10-digit TIN; collect VAT Certificate separately if entity is VAT-registered. * **Operating Permit:** Issued via Balady platform (balady.gov.sa); tied to specific premises; required in addition to CR. * **Sector-Specific License:** Sector-dependent; MISA Registration required for all foreign-owned entities (introduced 2025). * **Governance Records:** Mudir(s) named in LLC articles; JSC Board members filed with MoC. * **Signing Authority:** Domestic POAs via MoC notarisation system (Najiz); foreign-executed POAs apostilled under the Hague Convention. Arabic translation required. * **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:** Saudi Arabia is a subsumed-by-extract jurisdiction; the on-demand dated CR Extract from MoC/SBC reflects current registration status and is the good-standing equivalent; no separate CoGS document exists ## 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 | | ----------------------------------------------- | ---------------------- | --------------------------------------------------------------------------------- | | Mudir / Mudir Aam (مدير / مدير عام) | `CONTROLLING_PERSON` | General Manager of an LLC; day-to-day executive authority; named in Aqd Ta'sis. | | Member of Board of Directors (عضو مجلس الإدارة) | `CONTROLLING_PERSON` | JSC board member; governance role; elected by shareholders' assembly. | | Chairman of Board (رئيس مجلس الإدارة) | `CONTROLLING_PERSON` | Presides over JSC board; governance, not operational. | | Authorised Signatory (مفوض بالتوقيع) | `LEGAL_REPRESENTATIVE` | Person authorised by board resolution or Wakala to sign on behalf of the company. | ## Additional fields Country-specific fields you'll need to collect during onboarding, beyond the document uploads. | Field | Applies to | Reason | | -------------------------------------- | ---------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `MISA Registration Certificate number` | founder | Required for any foreign national or foreign entity as founder/shareholder; confirms foreign investment registration (Ministerial Decision 1086, 2025-02-07). | ## Notes * TIN vs. VAT number — TIN is 10 digits (all legal entities); VAT number is 15 digits (VAT-registered entities only, starts with "3"). Do not treat them as interchangeable. * Ejar lease is the primary accepted proof of operating address — unregistered leases are unenforceable in Saudi courts; utility bills alone are not standard for commercial premises KYC purposes.