Progressive KYB (Know Your Business) is an onboarding model where a merchant goes live immediately with a capped, monitored account, while identity and business verification complete in the background. Risk is managed with limits and monitoring instead of making every merchant wait days for an upfront review.
1) The merchant provides minimal details and gets a real but capped account (on paas.build: live the same session, capped around £1,500 until verification completes). 2) Verification — identity, business checks — runs asynchronously. 3) Caps lift as checks clear; payouts and limits grow with trust.
The classic "5–7 business days for approval" queue was designed when software took months to build. AI agents now ship products in an evening — the queue became the single biggest bottleneck between building and earning. Progressive KYB moves the wait out of the critical path without removing the checks.
Because no human form-filling is required upfront, an AI agent can complete the whole flow: identify the business, open the account, mint tokens, mount checkout — one session. This is the "agentic onboarding" half of agentic payments.
Yes — checks still happen, enforced by caps and monitoring while they complete. On paas.build the framework is operated by UniPaaS, an FCA-authorised payment institution.
On paas.build, new accounts can take payments immediately with a cap (≈£1,500 for individuals) until verification completes in the background and the cap lifts.
It is not "no checks" — it is checks moved off the critical path. You start selling now; verification catches up; limits grow with it.