Identity verification in Armenia
Executive summary. Armenia is a MONEYVAL-evaluated South Caucasus country of approximately 3 million people with a growing fintech ecosystem and an expanding digital government infrastructure. The AML/CFT framework is anchored in the Law on Combating Money Laundering and Terrorism Financing, supervised by the Financial Monitoring Center (FMC) under the Central Bank of Armenia (CBA) as the national
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Armenia has a population of approximately 3 million and a GDP of roughly USD 24 billion. Yerevan is the commercial and technology hub. The economy is driven by IT services, mining, agriculture, and remittances (a significant share of GDP flows from the Russian and broader CIS diaspora). Three verticals drive KYC demand:
Supported documents
Didit templates cover national IDs, passports, residence permits and regional documents — plus 14,000+ documents globally for cross-border flows.
Regulators
defines obliged entities, CDD requirements, beneficial ownership, PEP screening, and STR filing
enforced by the Agency for Protection of Personal Data
data protection oversight
Ministry of Justice — Civil Status Acts Registration Agency
restricted
Civil Status Acts Registration Agency manages birth, marriage, death, and other civil status records. National ID cards and passports issued by Police. Public Service Number (SSN equivalent) assigned
Government & regulated databases
Compliance framework
AML framework
Supervised by Law on Combating Money Laundering and Terrorism Financing
- Law on Combating Money Laundering and Terrorism Financing — defines obliged entities, CDD requirements, beneficial ownership, PEP screening, and STR filing. - Law on Banks and Banking (as amended) — prudential and AML requirements for credit institutions. - Draft Law on Crypto-Assets (2024) — establishes licensing and AML/CFT requirements for VASPs. Expected to impose full CDD, transaction monitoring, and Travel Rule compliance. - Law on Protection of Personal Data — enforced by the Agency for
Data protection
Supervised by Agency for Protection of Personal Data
Armenia's data protection law restricts cross-border personal-data transfers to countries with adequate protection levels. Transfers to EU countries are facilitated. The Agency for Protection of Personal Data must be notified. No hard data localisation mandate exists, but government databases are re
Penalties for non-compliance
Armenia's MONEYVAL membership and aspirations for deeper European integration mean AML compliance is a strategic priority:
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
1. Document capture. Scan or photograph of the biometric national ID card (front and back) or passport. 2. Liveness and biometric match. Selfie with passive or active liveness detection, matched against the document portrait. 3. Data extraction. PSN, full name (Armenian and Latin transliteration), d
Exchanges, custodians, wallets, on/off-ramps.
Under the draft Law on Crypto-Assets, VASPs will be required to:
Sports betting, online casinos, age-gated platforms.
Armenia has a regulated gambling sector. Licensed operators must:
Gig platforms, delivery, creator economy, e-commerce.
Marketplace operators and gig-economy platforms with Armenian users face CDD obligations primarily through payment-service integration. Requirements:
Biometric liveness
Armenian biometric ID cards and passports contain chip-stored facial images, making NFC-based chip reading technically feasible. However, PKI infrastructure for third-party chip reading is not widely deployed. Liveness detection (ISO 30107-3 compliant) paired with document-portrait matching is the standard approach for remote onboarding. ---
CERTIFICATIONS
Our platform meets the highest international standards for information security, data privacy, and biometric accuracy.
Full EU data protection compliance
Information security management
PAD (liveness + face match)
TRUSTED WORLDWIDE
Join thousands of companies that trust Didit for their verification needs
Didit’s NFC + active biometrics technology blocks the most advanced fraud scenarios, offering a level of security equivalent to or superior to in-person verification.
Spanish Financial Sandbox
CNMV, SEPBLAC & Spanish Treasury — Conclusions Report
Didit is an exceptionally valuable partner, delivering a stable and highly adaptable solution”.
Vuk Adžić
Head of the E-Business Department at Crnogorski Telekom
Didit offered us a robust technology with a simple implementation and adaptability to different markets”.
Fernando Pinto
CEO & CoFounder at TucanPay
Thanks to Didit we have been able to reduce manual processes and improve data extraction accuracy”.
Diana Garcia
Trust & Safety Executive at Shiply
Didit’s integration slashed verification times and costs, freeing resources for other projects”.
Guillem Medina
COO at GBTC Finance
Didit removed KYC costs, enabling faster scaling with high verification standards and less fraud.”
Paul Martin
VP Marketing & Growth at Bondex
Didit’s secure, user-friendly verification boosts customer trust and optimizes our process.”
Cristofer Montenegro
Executive assistant to the CEO at Adelantos
Didit ensures a precise, secure digital onboarding without slowing negotiations or client time.”
Ernesto Betancourth
Gerente de riesgos at CrediDemo
FAQ
Yes. Armenia permits remote KYC onboarding under its national AML framework, including document verification, biometric liveness and video identification where required by regulation.
Didit verifies all major national IDs, passports and residence permits issued in Armenia, plus 14,000+ document types globally for cross-border flows.
Didit charges $0.30 per verification with 500 free checks per month. No contracts, no minimums. Competitors typically charge $1.00–$2.50+ per verification.
Yes. Didit screens against 1,000+ global watchlists including PEP databases, sanctions lists (EU, UN, OFAC, OFSI), and adverse media — covering all AML obligations in Armenia.
Most regulated sectors in Armenia require or strongly recommend biometric liveness detection for remote onboarding. Didit provides ISO 30107-3 PAD Level 2 certified liveness.
Yes. Didit supports document verification, liveness, AML screening and ongoing monitoring aligned with Armenia’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Armenia’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
