Identity verification in Mozambique
Mozambique is a 33-million-person Southern African economy where mobile money has outpaced traditional banking, where the FATF grey-listed the country in October 2022 and removed it only in October 2025 after a sweeping legislative overhaul, and where the AML/CFT statute was entirely replaced in 2023. For any fintech, mobile money operator, bank, or marketplace onboarding customers through Mozambi
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Mozambique has a population of approximately 33 million, a GDP per capita among the lowest in sub-Saharan Africa, and an economy driven by agriculture, extractive industries (coal, natural gas, heavy mineral sands), and a fast-growing services sector. The country's relevance to identity verification is not a function of its banking penetration — it is a function of mobile money dominance, a young and urbanising population, and the regulatory momentum generated by three years on the FATF grey list. Three structural facts define the Mozambican KYC market:
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
Ministry of Justice
restricted
Manages BI (Bilhete de Identidade) — national ID card. Biometric ID rollout in progress. Very limited electronic access.
Government & regulated databases
Compliance framework
AML framework
Supervised by AML Law
Mozambique's AML/CFT architecture was rebuilt from the ground up between 2023 and 2024. The current framework is a three-layer stack: primary statute, implementing decree, and supervisory notices.
Data protection
Supervised by National DPA
Mozambique does not yet have a comprehensive data-protection statute, though a draft Lei de Proteccao de Dados Pessoais was under public consultation in 2025 and is expected to proceed through the Assembly of the Republic.
Penalties for non-compliance
Mozambique's regulatory posture is defined by its grey-list experience. The three-year reform programme is the single most important context for understanding supervisor behaviour today.
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
Banks, financial companies, and other BdM-supervised institutions operate under Lei 14/2023 (as amended by Lei 3/2024), Decreto 53/2023, and Aviso 10/GBM/2024. A standard onboarding flow:
Exchanges, custodians, wallets, on/off-ramps.
This is the flow that matters most commercially in Mozambique. The three electronic money institutions — M-Pesa, e-Mola, and mKesh — collectively serve millions of active wallets and are supervised by BdM under the same AML/CFT framework as banks, plus the sector-specific Aviso 7/GBM/2024 on transac
Sports betting, online casinos, age-gated platforms.
Mozambique's fintech ecosystem is growing through the BdM Regulatory Sandbox (Sandbox Regulatorio), established in 2018 and now in its seventh edition. The sandbox allows fintechs, credit institutions, financial companies, and payment service providers to test innovative products — including eKYC, b
Gig platforms, delivery, creator economy, e-commerce.
Mozambique does not have a dedicated cryptocurrency statute. The Banco de Mocambique issued a public warning in January 2018 stating that it "neither regulates nor monitors transactions using Bitcoin" because cryptocurrency is not issued by a central authority and has no legal standing in the countr
Biometric liveness
Mozambique does not operate a national certification scheme for biometric liveness vendors. The BdM's supervisory expectation, shaped by the FATF grey-list reform programme, is alignment with international standards: - ISO/IEC 30107-3 Presentation Attack Detection — the baseline for assessing liveness robustness in the absence of a local certification framework. - ISO/IEC 19795 biometric performance testing as a supporting reference. - ICAO 9303 specifications for machine-readable travel documen
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. Mozambique 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 Mozambique, 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 Mozambique.
Most regulated sectors in Mozambique 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 Mozambique’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Mozambique’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
