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Didit
Latin America

Identity verification
built for Nicaragua Flag of Nicaragua

Cédula de Identidad Ciudadana verified with biometric liveness and AML screening — $0.33 full KYC, 500 free every month, built for Central America's remittance and fintech operators.

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Crnogorski Telekom
UCSF Neuroscape
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Trusted by 2,000+ organizations worldwide.

Country brief

How identity verification works in Nicaragua.

The fraud surface and the frameworks an engineering or compliance lead needs before scoping an integration.
Fraud landscape
Nicaragua sees Cédula forgery driven by remittance-account access and cooperative onboarding, synthetic-identity fraud amplified by limited digital-registry connectivity, and PEP exposure through the Procuraduría General and National Assembly networks. Didit scores 200+ real-time fraud signals on every session — deepfake, injection, document tampering, device intelligence, IP geolocation.
Compliance frameworks
  • Ley No. 977 — Ley Contra el Lavado de Activos, el Financiamiento al Terrorismo y el Financiamiento a la Proliferación de Armas (2018)
  • Ley No. 561 — Ley General de Bancos (2005, as amended)
  • Norma sobre Gestión de Riesgo de LA/FT — SIBOIF Circular 2021
  • Ley No. 842 — Ley de Protección de los Derechos de las Personas Consumidoras y Usuarias
  • GAFILAT 40 Recommendations
  • FATF Methodology 2022
Regulators

Who supervises identity verification in Nicaragua.

These are the supervisors a Nicaragua verification flow has to answer to. One Didit hosted flow + one audit log covers every one of them — no separate integration per agency.
  • SIBOIF

    Superintendencia de Bancos y de Otras Instituciones Financieras — prudential supervisor for banks, micro-lenders, insurance companies, and securities markets. Owns KYC and AML onboarding requirements under Ley No. 977.

  • UAF

    Unidad de Análisis Financiero — Nicaragua's Financial Intelligence Unit. Receives Reportes de Operaciones Sospechosas and coordinates with the Procuraduría General de la República.

  • BCN

    Banco Central de Nicaragua — central bank. Oversees the payment system, monetary policy, and the regulatory framework for electronic-money operators.

  • CSE

    Consejo Supremo Electoral — civil-registry authority that issues the Cédula de Identidad Ciudadana and maintains the authoritative identity database.

  • PGR

    Procuraduría General de la República — Attorney General. Maintains the SIP register of enforcement actions and coordinates with the UAF on AML investigations.

Verification flow · One API

Four modules. One verification.

ID, biometric, AML, and a Nicaragua database cross-check — composed on one workflow, billed per success, returned in one report.
01 · ID

Capture and read the Cédula.

Captured on any phone — auto-classified, OCR-parsed, and template-verified.

  • Cédula de Identidad Ciudadana (16-digit), Pasaporte (chip read on biometric passports), Cédula de Residencia, and Licencia de Conducir.
  • Returns: full name, date of birth, document number, expiry, and sex.
Read the docs
Stage 01Capture and read the Cédula
  • Cédula de Identidad Ciudadana — 16-digit number
  • Pasaporte — chip read on biometric e-Passport
  • Cédula de Residencia
02 · Biometric

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.
Read the docs
Stage 02Match the face. Prove it's a real person.
  • Selfie on any phone or laptop camera
  • Mobile-handoff QR when the user starts on desktop
03 · AML

Screen for sanctions, PEPs, and adverse media.

1,300+ global sanctions, PEP, and adverse-media lists — plus Nicaragua watchlists:

  • National Assembly of Nicaragua — PEP Level 1 legislative register
  • Procuraduría General de la República (PGR) — SIP enforcement-action register
  • Nicaraguan Stock Exchange (BVDN) — regulatory warnings
  • SIBOIF — Superintendencia de Bancos administrative sanctions
  • UAF — Unidad de Análisis Financiero suspicious-entity list
  • BCN — Banco Central de Nicaragua regulatory warnings
  • GAFILAT — Group of Financial Action of Latin America evaluations
  • FATF — Financial Action Task Force consolidated list
  • UN Security Council — consolidated sanctions list
  • OFAC SDN — Specially Designated Nationals
  • Interpol — regional Central America red notices
  • Basel AML Index — Nicaragua country risk tier

Severity-scored. Ongoing monitoring ($0.07/user/yr) re-checks daily and fires a webhook on new hits.

Read the docs
Stage 03Screen for sanctions, PEPs, and adverse media

Screen for sanctions, PEPs, and adverse media — see the docs for the full module surface.

04 · Registry

Database validation against the CSE registry.

  • There is no public government database validation API for Nicaragua currently exposed as a standalone Didit service — the Consejo Supremo Electoral (CSE) does not currently offer a public consumer API open to third-party integrators.
Read the docs
Stage 04Database validation against the CSE registry

Database validation against the CSE registry — see the docs for the full module surface.

Documents covered

Every Nicaragua document Didit accepts.

One row per accepted credential — flag, document name, document type. Live from the Didit Business Console.
Authoritative datasets

Civil-registry and AML coverage for Nicaragua.

One card per dataset Didit cross-checks against — civil registries on the Database Validation API plus the global AML watchlist pool. Each card links to the technical docs.
Compliant by design

Open a new country in one click. We do the hard work.

We open the local subsidiaries, secure the licenses, run the penetration tests, earn the certifications, and align with every new regulation. To ship verifications in a new country, flip a toggle. 220+ countries live, audited and pen-tested every quarter — the only identity provider an EU member-state government has formally called safer than in-person verification.
Read the security & compliance dossier
EU financial sandbox
Tesoro · SEPBLAC · BdE
ISO/IEC 27001
Information security · 2026
SOC 2 · Type I
AICPA · 2026
iBeta Level 1 PAD
NIST / NIAP · 2026
GDPR
EU 2016/679
DORA
EU 2022/2554
MiCA
EU 2023/1114
AMLD6 · eIDAS 2.0
EU-aligned by design
FAQ

Common questions about Nicaragua.

Infrastructure for identity and fraud.

One API for KYC, KYB, Transaction Monitoring, and Wallet Screening. Integrate in 5 minutes.

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