Identity verification
built for Bulgaria 
Лична карта, биометричен паспорт, and EU/EEA documents on one session, EU AMLD6 + GDPR + Measures Against Money Laundering Act 2018. $0.33 full KYC, 500 free every month.
Robinhood Ventures
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How identity verification works in Bulgaria.
- Fraud landscape
- Two pressures shape Bulgarian identity fraud: deepfake and synthetic-identity attacks on the wave of BNB-licensed payment institutions and FSC-supervised MiCA crypto operators onboarding through digital channels, and cross-border forgery pressure across the Schengen zone as Bulgarian banks onboard Romanian and North Macedonian residents. Didit scores 200+ real-time fraud signals on every session, face morph, replay, injection, document tampering, device intelligence, IP geolocation.
- Compliance frameworks
- Measures Against Money Laundering Act 2018 (MAMLA, AMLD6 transposition)
- AMLD6 (EU Directive 2018/843)
- GDPR (Regulation 2016/679)
- MiCA (Markets in Crypto-Assets Regulation)
- DORA (Digital Operational Resilience Act)
- EU Regulation 2019/1157 (chip ID cards)
Who supervises identity verification in Bulgaria.
BNB
Българска народна банка (Bulgarian National Bank), central bank and prudential supervisor for banks, payment institutions, and electronic-money issuers. Sets Customer Due Diligence requirements under the Measures Against Money Laundering Act 2018.
FSC
Комисия за финансов надзор (Financial Supervision Commission), supervises investment firms, insurers, pension funds, and Crypto-Asset Service Providers under MiCA. Issues licensing and AML compliance requirements.
DANS
Държавна агенция 'Национална сигурност' (State Agency for National Security), acts as Bulgaria's Financial Intelligence Unit. Receives Suspicious Activity Reports from obligated entities under the Measures Against Money Laundering Act 2018.
KZLD
Комисия за защита на личните данни (Commission for Personal Data Protection), Bulgaria's supervisory authority for GDPR (Regulation 2016/679). Governs every identity verification on Bulgarian residents.
Audit Chamber
Сметна палата на Република България (Audit Chamber of the Republic of Bulgaria), PEP Level 1 institution; senior officials listed in Didit's AML screening layer as required by MAMLA and AMLD6.
Four modules. One verification.
Capture and read the ID.
Captured on any phone, auto-classified, OCR-parsed, and template-verified.
- лична карта (the polycarbonate chip LD aligned with EU Reg. 2019/1157), биометричен паспорт (with the chip read on e-Passports), шофьорска книжка, and разрешение за пребиваване for non-EU residents.
- Returns the name, ЕГН (единен граждански номер, personal identification number), date of birth, and expiry.
- Лична карта (LD), chip read on polycarbonate card
- Шофьорска книжка · Разрешение за пребиваване
- Биометричен паспорт, chip read on e-Passport
Match the face. Prove it's a real person..
Selfie confirmed live and matched against the ID portrait.
- Duplicate check: 1:N face search across existing users. Free.
- Active liveness ($0.15) for elevated-risk flows, user turns or blinks.
- Selfie on any phone or laptop camera
- Mobile-handoff QR when the user starts on desktop
Screen for sanctions, PEPs, and adverse media.
1,300+ global sanctions, PEP, and adverse-media lists, plus Bulgarian watchlists:
- Audit Chamber of the Republic of Bulgaria, PEP Level 1 (senior state audit officials).
- Ministry of Defense, PEP Level 2 (senior ministry officials).
- Ministry of Public Service, PEP Level 2 (senior civil service officials).
- Commission for Protection of Competition (BGCPC), SIE (state-invested entities under MAMLA).
- Bulgarian Persons of Interest, SIP (special-interest persons database).
- Financial Supervision Commission (FSC), Warnings (regulatory enforcement notices).
- EU Consolidated Financial Sanctions List, applies under EU enforcement in Bulgaria.
- OFAC Specially Designated Nationals (SDN), US Treasury designations.
- MONEYVAL, Council of Europe AML evaluation findings.
- UN Security Council Consolidated Sanctions List, global designations.
- Europol Most Wanted, cross-border law enforcement designations.
- FATF 40 Recommendations, risk-jurisdiction monitoring.
- Eurojust, EU judicial cooperation designations.
Severity-scored. Ongoing monitoring ($0.07/user/yr) re-checks daily and fires a webhook on new hits.
Screen for sanctions, PEPs, and adverse media , see the docs for the full module surface.
Document validation, no public registry API in Bulgaria.
Bulgaria does not currently expose a public government consumer API open to third-party integrators for cross-checking national ID records against the civil registry. Identity validation in Bulgaria therefore relies on three complementary layers that Didit runs in parallel:
- Document OCR + chip read, every field on the лична карта or паспорт is extracted and validated against ISO/ICAO templates in real time.
- Biometric liveness + face match, the selfie is confirmed as live and matched against the document portrait, eliminating synthetic and replay attacks.
- AML screening, the extracted name is screened across 1,300+ global and Bulgarian watchlists, catching sanctions, PEPs, and adverse-media hits that a registry lookup would not surface.
If an authoritative database validation API becomes available for Bulgaria, Didit will add it to the POST /v3/database-validation/ catalogue automatically, no integration changes required on your side.
Document validation, no public registry API in Bulgaria , see the docs for the full module surface.
Every Bulgaria document Didit accepts.
Civil-registry and AML coverage for Bulgaria.
Open a new country in one click. We do the hard work.
Common questions about Bulgaria.
What does Didit ship?
Didit is the infrastructure layer for identity and fraud. One Application Programming Interface (API), 25+ composable modules across four product lines:
- User Verification (KYC, know your customer), Identity Document Verification, liveness, face match, Anti-Money Laundering (AML) screening, Internet Protocol (IP) analysis. $0.33 per full bundle.
- Business Verification (KYB, know your business), registry, Ultimate Beneficial Owner (UBO), officers, entity AML, plus a linked KYC session per UBO.
- Transaction Monitoring, real-time rule engine, case management, Suspicious Activity Report (SAR) workflow.
- Wallet Screening (KYT, know your transaction), on-chain wallet risk at $0.15 per check, or bring your own screening provider and run it inside Didit.
Compose any module into a workflow with the visual no-code builder, ship in 5 minutes, 500 verifications free every month, forever.
How is Didit different from a single-product Know Your Customer (KYC) vendor?
Most identity vendors sell one slice, a KYC check, an Anti-Money Laundering (AML) list, a wallet screen. Didit ships the infrastructure underneath all of them, and the gap shows up on six axes:
- Pricing. Public price on every module, $0.33 for a full KYC, 500 verifications free every month, no minimums, no contracts. Single-product vendors hide six-figure minimums behind a sales call.
- Access. Sandbox in one click, self-serve from day one, production keys on signup. Single-product vendors gate the sandbox behind a contract, months to evaluate.
- Developer experience. Public docs, a Model Context Protocol (MCP) server for Claude Code and Cursor, and native Software Development Kits (SDKs) for Web, iOS, Android, React Native, and Flutter. Integrate in 5 minutes with an AI agent or in a working afternoon by hand.
- User experience. Highest pass rates in the market, sub-2-second end-to-end inference, country-specialised capture flows, 48+ languages out of the box.
- Flexibility. One
/v3/Application Programming Interface (API) composes 25+ modules across KYC, Know Your Business (KYB), Transaction Monitoring, and Wallet Screening (KYT, know your transaction). A KYB session spawns a linked KYC for every Ultimate Beneficial Owner (UBO); a flagged transaction spawns a step-up KYC remediation, same session, same webhook contract, same audit trail. Single-product vendors sell one shape of KYC and stop there. - AI-era fraud. 200+ real-time fraud signals scored on every session, deepfake, injection, synthetic-ID, document forgery, face-morph, device intelligence, replay. Single-product vendors treat deepfake and injection detection as roadmap items, not defaults.
Common in fintech and crypto, the same architecture fits marketplaces, iGaming, mobility, and any vertical where you need to know who someone is and what they are doing.
What does it cost? Is anything actually free?
500 verifications free every month, forever, on every account. No credit card. No sales call. No expiry.
Above the free tier, every module has a public per-success price on didit.me/pricing, $0.33 per full KYC bundle, $0.15 per Identity Document Verification, $0.15 per Wallet Screening, $0.20 per Anti-Money Laundering (AML) Screening, $0.10 per liveness, $0.05 per face match, $0.03 per Internet Protocol (IP) analysis.
Pay-as-you-go, no minimums, no overage surprises. Volume discounts kick in automatically as you grow.
Which Bulgarian regulator covers identity verification on a digital onboarding?
Four regulators sit on top of every Bulgarian identity-verification flow:
- Българска народна банка (BNB), National Bank of Bulgaria and prudential supervisor for banks and payment institutions. Sets Customer Due Diligence requirements under the Measures Against Money Laundering Act 2018 (MAMLA, the AMLD6 transposition).
- Комисия за финансов надзор (FSC), Financial Supervision Commission. Supervises investment firms, insurers, and Crypto-Asset Service Providers under MiCA.
- Държавна агенция 'Национална сигурност' (DANS), acts as Bulgaria's Financial Intelligence Unit. Receives Suspicious Activity Reports under MAMLA.
- Комисия за защита на личните данни (KZLD), Commission for Personal Data Protection. Bulgaria's supervisory authority for GDPR (Regulation 2016/679).
Didit ships the hosted flow + the audit log + the watchlist coverage to satisfy all four at the same time, same POST /v3/session/ workflow, same JSON report, same SOC 2 Type 1 + ISO/IEC 27001 evidence pack.
Is there a government database validation API for Bulgarian identities?
No, Bulgaria does not currently expose a public government consumer API open to third-party integrators for cross-checking national ID records against the civil registry.
Didit compensates with three complementary validation layers that run in parallel on every session:
- Document OCR + chip read, every field on the лична карта or паспорт is extracted and validated against ISO/ICAO templates.
- Biometric liveness + Face Match 1:1, the selfie is confirmed live and matched against the document portrait.
- AML screening, the extracted name is screened across 1,300+ global and Bulgarian watchlists (BNB, FSC, DANS, EU sanctions, OFAC, MONEYVAL).
If a Bulgarian government database API becomes available, Didit adds it to POST /v3/database-validation/ automatically, no changes required on your integration.
Is Didit ready for MAMLA-compliant onboarding for BNB-supervised entities in Bulgaria?
Yes. Bulgaria's Measures Against Money Laundering Act 2018 (MAMLA) transposes AMLD6 into national law and applies to every BNB-supervised bank, payment institution, and FSC-regulated investment firm or CASP.
Didit covers the full stack on one workflow:
- Identity Document Verification + Active Liveness + Face Match 1:1 for the tier-1 onboarding check, document OCR + chip read of the лична карта under EU Reg. 2019/1157.
- AML Screening ($0.20 per check) against the global pool plus Bulgarian regulatory watchlists (Audit Chamber, FSC Warnings, BGCPC, DANS) and EU Consolidated Sanctions, OFAC SDN, MONEYVAL, UN.
- Ongoing AML monitoring ($0.07 per user / year) for the periodic customer-review obligation under MAMLA Art. 11–12.
How long does it take to integrate Didit in Bulgaria?
5 minutes to a working sandbox, a weekend to a production flow.
- Sign up at
business.didit.me, grab an API key, callPOST /v3/session/with aworkflow_idthat wires ID Verification + Active Liveness + Face Match + AML, done. - AI-agent path: paste the integration prompt at
docs.didit.me/integration/integration-promptinto Claude Code, Cursor, Codex, Devin, Aider, or Replit Agent. The agent provisions the application, builds the workflow, wires the webhook, and runs a smoke test. - Five SDKs share the same session model: Web, iOS, Android, React Native, Flutter.
The first 500 verifications every month are free, forever, pilot the full Bulgaria stack at zero cost before flipping production traffic.
What does the Bulgaria verification cost end-to-end?
Per-module public pricing, pay only for what runs on the session:
- ID Verification,
$0.15per document check. - Passive Liveness,
$0.10. Active Liveness,$0.15. - Face Match 1:1,
$0.05. Face Search 1:N, free. - AML Screening,
$0.20per check. Ongoing AML,$0.07 per user / year.
The full KYC bundle (Identity + Passive Liveness + Face Match + IP Analysis) is `$0.33`, same anchor price worldwide, no Bulgaria surcharge. 500 verifications free every month, no credit card. Volume discounts auto-apply above the free tier; Enterprise adds a custom Master Services Agreement (MSA) and data-residency choice.
Infrastructure for identity and fraud.
One API for KYC, KYB, Transaction Monitoring, and Wallet Screening. Integrate in 5 minutes.