KYB for micro-merchants and the moving target of 'reasonable assurance'

Anyone else finding the landscape for KYB on small, say, sole-proprietor type businesses, especially those operating across borders, to be an increasingly nuanced headache? We're seeing more situations where the usual company registry checks are insufficient, and the subjective 'reasonable assurance' standard feels like it's perpetually shifting. What kind of supplemental data points or process improvements are people finding effective without completely drowning the onboarding team in paperwork? Specifically interested in any tech solutions that go beyond basic document verification but stop short of a full-blown private investigator. It feels like we're constantly trying to hit a moving target with regulations while simultaneously trying to onboard users efficiently, and frankly, the juice isn't always worth the squeeze on some of these smaller accounts from a compliance cost perspective.