---
title: "FinCEN CDD 25% Beneficial Ownership Attribution"
method: POST
path: "/v1/tools/compute_cdd_ownership_25pct"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# FinCEN CDD 25% Beneficial Ownership Attribution

`POST /v1/tools/compute_cdd_ownership_25pct`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compute_cdd_ownership_25pct`
- Auth: none declared

Recursive indirect natural-person beneficial ownership computation via ownership-tier multiplication. 25% threshold per FinCEN CDD Rule 31 CFR 1010.230 bank KYB customer due diligence. Returns is_beneficial_owner (bool), total_indirect_pct, and per-natural-person breakdown. Exactly 25% IS a beneficial owner (>=25 threshold). NOT the CTA/BOI domestic reporting rule (31 USC 5336) removed by FinCEN IFR 2025-03-21. For OFAC 50%-Rule sanctions aggregation see art-91-ownership-50pct-aggregator. Synthetic entity IDs only. Zero PII by construction.

**Tool URL:** https://ainumbers.co/chaingraph/art-268-compute-cdd-ownership-25pct.html

## Request body

- object
  - `natural_persons` unknown
  - `ownership_tiers` unknown
  - `target_entity_id` unknown

## Response `200`

Successful tool execution result

- object
  - `below_threshold` unknown[]
    - unknown
  - `below_threshold_count` integer
  - `beneficial_owner_count` integer
  - `beneficial_owners` object[]
    - `direct` boolean
    - `entity_id` string
    - `indirect_ownership_pct` integer
    - `natural_person_id` string
  - `entities_evaluated` integer
  - `is_beneficial_owner` boolean
  - `methodology` string
  - `not_legal_advice` string
  - `pii_note` string
  - `regime_note` string
  - `regulatory_basis` string
  - `table_source` string
  - `table_version` string
  - `threshold_pct` integer

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)