Identity verification in Madagascar
Executive summary. Madagascar is a member of the Eastern and Southern Africa Anti-Money Laundering Group (ESAAMLG) with an AML/CFT framework governed by Law No. 2018-043 on the fight against money laundering and terrorism financing, supervised by the Service de Renseignements Financiers de Madagascar (SAMIFIN), the national FIU. ESAAMLG's 2018 mutual evaluation identified significant technical and
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Madagascar has a population of approximately 30 million and a GDP of roughly USD 16 billion. Antananarivo is the commercial capital. Formal banking penetration is below 20%, but mobile money reaches approximately 40% of adults. 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
Central bank circulars on CDD for banks, MFIs, and mobile money operators
The national FIU, responsible for receiving, analysing, and disseminating suspicious-transaction reports
Supervises banks, microfinance institutions, and mobile money operators for prudential and AML compliance
Ministry of Interior
restricted
Carte Nationale d'Identité issued but coverage limited, especially in rural areas. Civil registry fragmented across communes.
Government & regulated databases
Compliance framework
AML framework
Supervised by Circulaire BFM
- Loi No. 2018-043 — On the fight against money laundering and terrorism financing. Defines CDD requirements, risk-based approach, beneficial ownership, PEP screening, and suspicious-transaction reporting. - Loi No. 2014-006 — On electronic transactions and digital signatures. - Loi No. 2014-038 — On the protection of personal data. The Commission Malgache de l'Informatique et des Libertés (CMIL) supervises enforcement. - Circulaire BFM — Central bank circulars on CDD for banks, MFIs, and mobile
Data protection
Supervised by National DPA
Madagascar's data protection law (Law 2014-038) restricts cross-border personal data transfers to countries with adequate protection or subject to contractual safeguards. The CMIL must be notified of data processing activities involving personal data. There is no adequacy agreement with the EU, so t
Penalties for non-compliance
- Administrative fines and criminal prosecution for AML violations
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
1. Document capture. Photograph of CIN (front and back) or biometric passport. 2. Liveness and biometric match. Selfie with liveness detection, matched against the document portrait. 3. Data extraction. CIN number, full name, date of birth, address, document validity. 4. PEP and sanctions screening.
Exchanges, custodians, wallets, on/off-ramps.
Madagascar does not have a dedicated VASP licensing framework. Virtual-asset activities are not formally regulated but fall under general AML obligations:
Sports betting, online casinos, age-gated platforms.
Online gambling regulation in Madagascar is limited. Land-based gambling is regulated under casino licensing. Where applicable:
Gig platforms, delivery, creator economy, e-commerce.
E-commerce and marketplace platforms operating in Madagascar face CDD obligations primarily for high-value transactions and mobile money integration:
Biometric liveness
Madagascar's biometric passport (since 2017) supports NFC-based chip reading, but the CIN is not biometric. Liveness detection (ISO 30107-3 compliant) paired with document-portrait matching is the primary approach for remote onboarding. In-person verification remains dominant for banking and higher-tier mobile money accounts. ---
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. Madagascar 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 Madagascar, 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 Madagascar.
Most regulated sectors in Madagascar 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 Madagascar’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Madagascar’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
