Didit vs Regula: hosted checks with full evidence, KYB and monitoring

Last reviewed: 25 October 2026 · Not legal advice

For onboarding teams at banks, fintechs and crypto businesses, three questions decide this comparison: where the checks run, what they cost, and what happens after the first check, when business customers arrive, money starts to move and the review queue grows.

Regula sells document-verification and face-biometrics SDKs, an identity-verification platform and forensic document-examination devices.^[1] We build Didit, so read this as our side. Every Regula statement below comes from Regula's own public pages, read on 25 October 2026, and each one is cited.

Didit vs Regula at a glance

Regula column: regulaforensics.com, docs.regulaforensics.com and support.regulaforensics.com. Didit column: docs.didit.me.

Where the checks run

Regula ships its SDKs for iOS, Android and cross-platform frameworks, with Linux, Windows and Docker packages for server use.^[9] Its IDV Platform adds workflows, sessions, profiles, AML/PEP screening and connectors to third-party systems, and Regula says it runs 100% on-premises or as hosted cloud.^[2] For SDK deployments, Regula states that data is handled on-premises and is not transferred to third parties.^[9]

Didit provides its checks as a hosted service: your app or a hosted link captures the user, Didit runs the document, liveness, face match, database and AML checks you configured, and your backend reads the decision through one API call.^[11]

Both options as each vendor documents them, read on 25 October 2026.^[2][5][10]

The evidence behind every decision

Every Didit session decision returns each check's result, the extracted fields, the capture images and videos, and the warnings behind the decision, through one API call.^[11] A reviewer, an auditor and your own code read the same decision, and the Didit MCP can trace the warning, status rule or reviewer override behind a declined session.^[24]

Regula documents what its Document Reader SDK returns for the document step: it cross-checks data across the MRZ, the visual zone, the barcode and the RFID chip, and returns graphic fields such as the signature and portrait as separate images.^[7] On Didit, the document result is returned in the same session decision as the liveness, face match, database and AML results.^[11]

Didit's workflow builder shows each step's price while you build, and branches can merge back into one path. The editor flags a branch that contradicts the outcome it routes to, before you publish.^[12]

After onboarding: businesses, transactions and wallets

Regula's IDV Platform documents AML/PEP screening against lists, databases and watchlists, with matches reviewed and resolved in a Screening tab added in release 3.5.^[2][4] Release 3.9 added a Case Management module that records the user, timestamp and rationale of every action.^[3] Business verification, transaction monitoring and crypto wallet screening are not documented on the Regula pages reviewed.^[2][8]

Business verification. Didit checks companies in registries across 220+ countries and territories, from $2.00 per business. You choose per country how much registry data you buy: a company profile, or shareholder and UBO data where the registry holds it.^[10][14] Didit checks each declared owner and officer against the company's own documents, then screens them and sends each one a linked KYC.^[13]

Transaction monitoring. Didit scores transactions against real-time rules at $0.02 per transaction and ships over 150 preset rules.^[10][15] You can backtest a rule against your own history before you switch it on.^[16] When a rule flags a transaction, Didit can hold it and ask the user for one selfie, matched against the face they already verified.^[17] Didit drafts SAR, STR and other FIU reports from the case and exports them as goAML XML and PDF for your filing.^[18]

Crypto wallet screening. Screen any crypto wallet address on demand for $0.15 per check, with a signed PDF report.^[19] Wallet screening runs on blockchain-analytics providers, and you order it, read it and pay for it in your Didit account.

KYC, KYB, transaction monitoring and wallet screening in the same Didit account.^[10][17]

Government database checks in the same flow

Didit's catalog documents government and authoritative database checks in 45 countries plus a Global group: a government register in most countries, and a credit-bureau, financial-services, utility or residential file in some.^[20] Most services list the inputs they need and the fields they return, and most run in the same workflow as the document and selfie; a few are standalone only. Where the national register holds a photo, as in Argentina, Nigeria, Panama and South Africa, Didit matches the user's selfie against it.^[21]

Regula's platform page mentions screening customers against AML/PEP lists, databases and watchlists; checks against named government identity registers are not documented on the pages reviewed.^[2]

Agents that operate the platform

Didit is agentic: it automates compliance work that would otherwise need another analyst. The Investigator agent reads each verification, transaction alert or case waiting for review, writes a report with a recommendation and cites the evidence it used. It decides on its own only within the policy and autonomy level your team sets, it never files a regulatory report, and every action is logged.^[22] It runs on Didit's Growth plan and above, Didit enables it per organization, it is not available in sandbox, and it costs $0.20 per reviewed item. A support agent answers your users' support conversations from $0.02 per message.

Describe the verification flow you need and Didit Copilot builds a validated draft workflow, citing the documentation it used.^[26] Publishing requires your confirmation, and when it edits a workflow, a change card lists what changed and Undo reverts it.^[26][25]

Didit's hosted MCP server at mcp.didit.me connects over OAuth 2.1 with Log in with Didit. There is no API key to paste.^[23] Your AI agent can create, backtest and install transaction-monitoring rules through the Didit MCP, then hand them to you in test mode, and it can explain why a session was declined by tracing the warning, status rule or reviewer override behind it.^[24] An MCP server or a customer-facing AI agent is not documented on the Regula pages reviewed.^[2]

A support question answered by an agent through the Didit MCP.^[24]

Pricing: Didit's list prices and Regula's documented SDK terms

Didit publishes a list price for each billable check and charges a session only for the checks it runs. A full KYC check (ID verification, passive liveness, face match, and device and IP analysis) costs $0.33. AML screening is $0.20, ongoing AML monitoring is $0.07 per profile per year, and active liveness is $0.15.^[10] Government database checks are priced per country on the pricing page.

Regula's SDK pricing article says the cost of an SDK licence depends on the size of the deployment, the modules deployed and the payment terms, which can be semi-annual, annual or multi-year upfront.^[5] Its licensing docs describe a transaction-based model in which the billing system counts processed transactions, and an online demo licence for all Regula products, valid for 30 days and 2,000 transactions, from the Regula Client Portal.^[6] Published list prices are not documented on the pages reviewed.^[5]

Moving from Regula to Didit

• List the Regula components you run today: SDKs, the IDV Platform, devices, and the workflows built on them.
• Rebuild the online flow in Didit's workflow builder, or describe it to Copilot, and read the price of each step.
• Map your current outcomes to Didit's Approved, Declined and In Review statuses in your backend and webhooks.
• Route a share of new sign-ups to Didit and compare approval rates, fraud caught and cost on your own users.
• Add business verification, transaction monitoring and wallet screening in your Didit account.

1. Day 1Open an accountSandbox and console, no quote to request.
2. Week 1Build and testWorkflow, webhooks, your own documents.
3. PilotRun in parallelA share of traffic on each vendor.
4. RenewalDecide on the restWhen your Regula licence terms allow.

A staged move. Timing depends on your volumes, your licence terms and any in-person processes you keep.

How Didit helps teams switching from Regula

Didit runs KYC, KYB, AML screening and transaction monitoring as one hosted service, with wallet screening in the same account, priced per check, with agents that take review work off your team. See the Regula alternative page for the side-by-side, the pricing page to price your flow, or the business verification page for KYB.

Frequently asked questions

Sources

1. About Regula, Regula, read 25 October 2026.
2. Regula IDV Platform, Regula, read 25 October 2026.
3. IDV Platform release 3.9, Regula docs, read 25 October 2026.
4. IDV Platform release 3.5, Regula docs, read 25 October 2026.
5. Pricing: SDK licensing models, Regula support, read 25 October 2026.
6. Document Reader SDK licensing, Regula docs, read 25 October 2026.
7. Document Reader SDK, Regula, read 25 October 2026.
8. Fintech and crypto, Regula, read 25 October 2026.
9. KYC automation, Regula, read 25 October 2026.
10. Pricing, Didit docs, read 25 October 2026.
11. Retrieve session, Didit docs.
12. Workflows, Didit docs.
13. Key people, Didit docs.
14. KYB supported countries and data tiers, Didit docs.
15. Rules library, Didit docs.
16. Transaction rules API and backtesting, Didit docs.
17. SDK transaction submission and step-up, Didit docs.
18. FIU reports, Didit docs.
19. Wallet screening, Didit docs.
20. Database validation supported countries, Didit docs.
21. Non-document lookup and registry photo match, Didit docs.
22. Investigator agent, Didit docs.
23. MCP server overview, Didit docs.
24. MCP tools, Didit docs.
25. September 2026 changelog, Didit docs.
26. August 2026 changelog, Didit docs.
27. New pricing from 1 November 2026, Didit blog.

Regula and its marks belong to their owner; references here are nominative, for comparison only, and imply no affiliation. To compare on your own traffic, the Regula alternative page has the side-by-side and the steps to start.