Identity verification in Chile
Executive summary. Chile is Latin America's most institutionally mature KYC/AML market: a single financial supervisor (Comisión para el Mercado Financiero, CMF) absorbed the former banking superintendency in 2019, a dedicated FIU (Unidad de Análisis Financiero, UAF) runs the AML regime under Ley 19.913/2003, and the landmark Ley Fintec 21.521/2023 created a registration regime for fintechs and cry
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Chile has a population of roughly 20 million, the highest GDP per capita in South America, and a banking penetration close to 90%. The regulated financial system is supervised by a single authority, the Comisión para el Mercado Financiero (CMF), which in June 2019 absorbed the former Superintendencia de Bancos e Instituciones Financieras (SBIF) under Ley 21.130. The CMF supervises banks, insurers, securities issuers, investment funds, and — since 2023 — fintech service providers and crypto-asset firms. Chile's fintech ecosystem is among the densest in Latin America. Local operators such as Tenpo (more than 70,000 credit-card customers by 2024 and the country's first neobank-in-formation), Fintual, Khipu, Global66, Cumplo and Mercado Pago (which reports more than 1.5 million wallet users in
Supported documents
Didit templates cover national IDs, passports, residence permits and regional documents — plus 14,000+ documents globally for cross-border flows.
Regulators
AML supervisor
Servicio de Registro Civil e Identificación
regulated
Manages cédula de identidad and civil registry. RUN (Rol Único Nacional, 7-8 digits + modulo-11 check digit) assigned at birth or immigration. No direct public API — access mediated through authorized
SII
regulated
Tax authority managing RUT (Rol Único Tributario). For individuals, RUT = RUN; for legal entities, separate RUT assigned. Online portal for public RUT lookups at sii.cl. e-RUT digital tax ID available
Gobierno Digital / Registro Civil
regulated
National digital identity SSO platform operated by Secretaría de Gobierno Digital (SGD). 15M+ users across 1,800+ public services. Identity verified at Registro Civil offices during ID card issuance.
Asociación de Bancos e Instituciones Financieras de Chile
regulated
Financial system information clearinghouse and credit bureau. RUN-based queries for identity verification and credit history. Biometric verification services. Available to member financial institution
Government & regulated databases
Compliance framework
AML framework
Supervised by Law 19,913
The Chilean KYC/AML architecture rests on four pillars, each anchored in a specific law on bcn.cl Ley Chile:
Data protection
Supervised by National DPA
- Ley 19.628 (current) / Ley 21.719 (from December 1, 2026). Neither law imposes hard data-localization, but Ley 21.719 requires that international transfers go only to jurisdictions with adequate protection or under appropriate safeguards (standard contractual clauses, binding corporate rules, or e
Penalties for non-compliance
- CMF vs. six financial institutions (September 2023). The CMF applied administrative fines totalling approximately 1,250 UF against Banco de Chile (200 UF), Banco de Crédito e Inversiones (BCI, 300 UF), BancoEstado (450 UF), Scotiabank (100 UF), Banco Security (100 UF) and Coopeuch (100 UF) for fai
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
The CMF's implementation of Ley 21.521 (NCG 502 and complementary norms) requires every PSF to maintain a conocimiento del cliente (KYC) program proportionate to the services provided. Minimum steps for a Chilean fintech onboarding:
Exchanges, custodians, wallets, on/off-ramps.
Under Ley 21.521 Art. 9 and the CMF's PSF framework, crypto exchanges, custodians and brokers are treated as regulated financial service providers. Operators that were active before the law had to file registration applications at the CMF by February 3, 2025. Post-registration obligations include:
Sports betting, online casinos, age-gated platforms.
Land-based casinos in Chile are regulated by the Superintendencia de Casinos de Juego (SCJ) under Ley 19.995/2005. Minimum age of entry is 18. SCJ-licensed operators must record entry using the cédula de identidad and must run AML procedures as UAF-obligated subjects.
Gig platforms, delivery, creator economy, e-commerce.
Marketplaces (delivery, ride-hail, gig, e-commerce) are not per se UAF-obligated subjects but they face strong KYC pressure from three directions: (i) their acquiring banks and payment processors, which cascade UAF expectations contractually; (ii) Ley 20.393 corporate criminal liability, which incen
Biometric liveness
Neither the CMF nor the UAF publishes a prescriptive biometric standard, but supervisory practice and contractual cascades from banks consistently expect ISO/IEC 30107-3 Presentation Attack Detection Level 2 and NIST FRVT-benchmarked face-match algorithms. Local champion TOC Biometrics holds iBeta PAD L2 certification and is the de facto reference in the market. Expectations are tightening as deepfake attacks rise: the new 2024 cédula's chip and active-authentication enable stronger document bin
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. Chile 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 Chile, 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 Chile.
Most regulated sectors in Chile 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 Chile’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Chile’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
