Skip to main content
Didit Raises $2M and Joins Y Combinator (W26)
Didit
Latin America

Identity verification
built for Panama Flag of Panama

Cédula de Identidad and Pasaporte on one session, cross-checked against the Tribunal Electoral with biometric face-match — $0.33 full KYC, 500 free every month.

Backed by
Y Combinator
GBTC Finance
Bondex
Crnogorski Telekom
UCSF Neuroscape
Shiply
Adelantos

Trusted by 2,000+ organizations worldwide.

Country brief

How identity verification works in Panama.

The fraud surface and the frameworks an engineering or compliance lead needs before scoping an integration.
Fraud landscape
Three pressures shape Panamanian identity fraud: deepfake and synthetic-Cédula attacks on the SBP-licensed banks and Yappy / Nequi-style payment apps that dominate the local rails, Cédula document forgery across the chip and legacy formats, and AML pressure given Panama's history on FATF grey-listing and the continuous remediation work in place. Didit scores 200+ real-time fraud signals on every session — face morph, replay, injection, document tampering, device intelligence, IP geolocation.
Compliance frameworks
  • Ley 23 de 2015 (PLA/FT)
  • Acuerdo SBP 10-2015 (CDD)
  • Ley 81 de 2019 (Protección de Datos Personales)
  • Ley 129 de 2020 (registry of UBO)
  • FATF 40 recommendations
Regulators

Who supervises identity verification in Panama.

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

    Superintendencia de Bancos de Panamá — prudential supervisor for banks, EMIs, payment institutions and financial cooperatives. Sets remote-onboarding rules under Acuerdo SBP 10-2015.

  • SMV

    Superintendencia del Mercado de Valores — securities and capital-market supervisor. Registers broker-dealers, investment advisers and crypto-asset intermediaries.

  • UAF

    Unidad de Análisis Financiero — Panama's Financial Intelligence Unit. Receives Reportes de Operaciones Sospechosas under Ley 23 of 2015.

  • ANPD

    Autoridad Nacional de Transparencia y Acceso a la Información — Ley 81 (Protección de Datos Personales, 2019) supervisor. Governs every identity verification on Panamanian residents.

  • Tribunal Electoral

    Civil-registry authority. Issues every Cédula de Identidad and operates the SIB biometric service used as the authoritative-source database for identity verification.

Verification flow · One API

Four modules. One verification.

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

Capture and read the ID.

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

  • Cédula de Identidad (chip and legacy), Carné de Residente, Pasaporte (with the chip read on e-Passports), and driving licence.
  • Returns the name, Cédula, date of birth, sex, and expiry.
Read the docs
Stage 01Capture and read the ID
  • Cédula de Identidad
  • Carné de Residente
  • Pasaporte — chip read on e-Passport
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 Panamanian watchlists:

  • PASSRP — Superintendence of Insurance and Reinsurance of Panama (SIE) — sanctions from the insurance and reinsurance regulator.
  • PAMP-MW — Public Ministry of Panama, Most Wanted (SIP) — Ministerio Público's most-wanted fugitives register.
  • National Assembly of Panama — PEP register — Diputados de la Asamblea Nacional and senior assembly officials.
  • Superintendency of Securities Market of Panama — Warnings — SMV regulatory warnings against securities and capital-market participants.
  • Unidad de Análisis Financiero (UAF) — sanctions register — UAF-issued PLA/FT enforcement actions and sanctions.
  • Tribunal Electoral — Cédula registry — cross-check against Panama's authoritative civil registry.
  • Superintendencia de Bancos de Panamá (SBP) — Sanctions and Enforcement Actions — SBP-issued enforcement actions against banks, EMIs and payment institutions.

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

Cross-check against the Tribunal Electoral.

Cross-checked against the authoritative civil registry.

  • The SIB check (pan_cedula_sib, $0.75) is the standard biometric tier — Cédula + selfie against the Tribunal Electoral SIB service.
  • The SIB Plus check (pan_cedula_sib_plus, $1.50) is the elevated tier — same data source with stronger biometric thresholds and richer match metadata. The right pick when SBP asks for enhanced Customer Due Diligence.
Read the docs
Stage 04Cross-check against the Tribunal Electoral

Cross-check against the Tribunal Electoral — see the docs for the full module surface.

Documents covered

Every Panama document Didit accepts.

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

Infrastructure for identity and fraud.

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

Ask an AI to summarise this page