Markaaz
Business verification and KYB data drawn from 542 million entity records across 200+ countries and jurisdictions, built for the small businesses that single-registry lookups miss, run inside your Zenoo flows.
At a glance
Overview
Markaaz overview
Small businesses are often rejected for being unknowable rather than for being risky. Markaaz reports that 20% to 40% of small business applicants are lost at the verification stage. PYMNTS Intelligence, working with Markaaz, surveyed 350 financial institution executives in the US and UK and found that nearly 3 in 10 microbusiness loan applications are turned down over unverifiable legitimacy rather than credit risk, five times the rejection rate of larger businesses. For 57% of those institutions, inaccurate or incomplete records were the single biggest barrier to underwriting small businesses.
Markaaz answers this with the Markaaz Golden Record, a matching and analytics layer that fuses global public and private sources, including registered and unregistered businesses and both active and inactive records, into one database of 542 million entities across more than 200 countries and jurisdictions, with over 280 business data attributes. Markaaz reports match rates of over 90%, surpassing leading providers by up to 30%, and returns a result on hard-to-validate businesses in under two seconds.
Inside Zenoo, Markaaz runs as a KYB data, verification, and monitoring step within an orchestrated onboarding flow, so you can enrich, verify, decide, and monitor a business without leaving the journey.
- Company
- Markaaz
- Category
- KYB and company data
- Coverage
- 542M records, 200+ countries and jurisdictions
- Strongest in
- Micro and small business verification
- Delivery
- API, batch, portal, Snowflake
- Best fit
- Teams verifying hard-to-validate SMBs
Where it is strongest
Key strengths
What Markaaz does well.
The Golden Record, not a single registry lookup
A matching layer resolves inconsistent, incomplete, and outdated records into one authoritative entity, built from registered and unregistered businesses and from both active and inactive records across global public and private sources. That is how it can return a match where a single-registry lookup returns nothing.
Built for hard-to-validate micro and small businesses
Thin files, sole traders, and unregistered businesses are the segment where false rejections cluster. Markaaz targets that segment directly and resolves business officer relationships alongside the entity record.
Match rates above 90%, on Markaaz's own numbers
Markaaz reports match rates of over 90%, surpassing leading providers by up to 30%, and cites identifying 30% of unverified business credit card applicants for a Fortune 500 bank that other data providers could not. These are vendor-reported figures, so run them against your own book to see what they are worth to you.
Enrichment on data you already hold
Validate, cleanse, and append your existing customer records to fill gaps and correct what is already on file, so back-book quality improves without running a new collection exercise.
Perpetual KYB through continuous monitoring
Daily alerts on compliance, firmographic, and risk changes, so a verified business does not quietly go stale between review cycles.
Delivery that fits the volume
Real-time API for in-journey checks, batch files in CSV, JSON, or Excel for bulk work, a web portal for manual lookups, and cloud data exchanges including Snowflake.
Security accreditations in place
Markaaz holds ISO 27001:2022, ISO 27701:2019, and SOC 2 Type II, which shortens the vendor due diligence conversation with your second line.
Who it suits
Best for
Where Markaaz fits, and what to plan for.
Honest notes on the trade-offs, each with a way to cover the gap inside a Zenoo flow.
- SMB and micro-business onboarding at volume
- Lenders losing good applicants to false rejections
- Back-book cleansing and enrichment
- Perpetual KYB and ongoing monitoring
- Vendor and supplier risk checks
- Banks and fintechs verifying international entities
- Coverage figures are vendor-reported. The 542 million records, 200+ countries and jurisdictions, and 280+ attributes come from Markaaz product material rather than independent audit. In Zenoo: run Markaaz against a sample of your own book in a live flow and see what it returns on your actual traffic.
- Match rate claims need testing on your own data. The over 90% match rate and the 30% improvement over leading providers are measured against Markaaz's own comparison set, not against your book or your markets. In Zenoo: run a side-by-side against your current provider in a live flow and decide on your own numbers.
- Depth varies by jurisdiction. A 200+ country footprint does not mean equal attribute depth in every market, and any single data source thins out somewhere. In Zenoo: add a second KYB provider behind Markaaz with waterfall logic, so a thin result falls through automatically instead of failing the applicant.
- Newer market presence. There is limited independent developer discussion available publicly, so you cannot lean on community SDK examples the way you might with an incumbent. In Zenoo: our AI builds and maintains the connector, so your integration does not depend on public examples or on Markaaz release cycles.
- Monitoring cadence is a cost and risk trade-off. Alerting the whole portfolio daily costs more than it needs to, and alerting none of it leaves high-risk entities unwatched. In Zenoo: segment by risk and route only the high-risk cohort to daily monitoring, with the rest on a slower cycle.
Open the customer's case
What your team sees
The Markaaz result, beside everything else.
The result sits with screening and review on one case, so nobody checks a second tool to see the whole customer.
What you can build
- Enrich: validate, cleanse, and append business data before any decision is made, so the check runs against a complete record
- Verify: confirm hard-to-validate businesses and resolve business officer relationships inside the journey
- Decide: pass the result into Zenoo rules for automated approval, referral, or decline, with the reasoning written to the audit trail
- Monitor: route daily compliance and risk alerts straight into your Zenoo case queue
About Markaaz
FAQs
Markaaz questions.
What data does Markaaz return?
Markaaz reports over 280 business data attributes drawn from its Golden Record, covering firmographics, people and officer matching, financial health and risk, watchlist and compliance data, and corporate hierarchy. The exact fields you receive depend on the entity and the market.
Can it verify micro-businesses and sole traders?
That is the segment Markaaz is built around. Its Golden Record is assembled from registered and unregistered businesses and from both active and inactive records across global public and private sources, which is how it can return a match on a thin file where a single-registry lookup returns nothing. Markaaz reports match rates of over 90%.
Does it support ongoing monitoring?
Yes. Markaaz offers alerting on compliance, firmographic, and risk changes, with daily alerts available. In Zenoo, those alerts are routed into your case queue, and you can segment by risk so only the high-risk cohort runs on the fastest cadence.
How is Markaaz delivered?
Real-time API for checks inside a live journey, batch file exchange in CSV, JSON, or Excel for bulk enrichment, a 24/7 web portal for manual lookups, and cloud data exchanges including Snowflake. Inside a Zenoo flow you would normally use the real-time API for onboarding and batch for back-book work.
Which markets does it cover?
Markaaz reports 542 million entity records across more than 200 countries and jurisdictions, from the Americas to Europe to Asia and beyond. Attribute depth is not equal in every market, so pairing Markaaz with a second KYB source behind a waterfall is the usual pattern for teams onboarding internationally.
Hands it to your team
Verification is the first step. Compliance Hub handles the rest.
Once a customer is verified, screening and review happen in Compliance Hub. A possible PEP match lands in your team inbox with the evidence and the full history beside it. Zenoo suggests, your team decides.
Pairs well with
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Tomorrow, your case
Bring us a case that went wrong.
We will run it through Zenoo while you watch: the evidence, the decision, and the record your MLRO would want to defend.
30 minutes. Your data. No slides.