Question 1

What does Didit ship?

Accepted Answer

Didit is the infrastructure layer for **identity and fraud**. One Application Programming Interface (API), 25+ composable modules across four product lines:

- **User Verification (KYC — know your customer)** — Identity Document Verification, liveness, face match, Anti-Money Laundering (AML) screening, Internet Protocol (IP) analysis. **$0.33** per full bundle.
- **Business Verification (KYB — know your business)** — registry, Ultimate Beneficial Owner (UBO), officers, entity AML, plus a linked KYC session per UBO.
- **Transaction Monitoring** — real-time rule engine, case management, Suspicious Activity Report (SAR) workflow.
- **Wallet Screening (KYT — know your transaction)** — on-chain wallet risk at **$0.15 per check**, or bring your own screening provider and run it inside Didit.

Compose any module into a workflow with the visual no-code builder, ship in **5 minutes**, **500 verifications free every month**, forever.

Question 2

How is Didit different from a single-product Know Your Customer (KYC) vendor?

Accepted Answer

**Most identity vendors sell one slice** — a KYC check, an Anti-Money Laundering (AML) list, a wallet screen. Didit ships the infrastructure underneath all of them, and the gap shows up on six axes:

- **Pricing.** Public price on every module — **$0.33** for a full KYC, **500 verifications free every month**, no minimums, no contracts. Single-product vendors hide six-figure minimums behind a sales call.
- **Access.** Sandbox in one click, self-serve from day one, production keys on signup. Single-product vendors gate the sandbox behind a contract — months to evaluate.
- **Developer experience.** Public docs, a Model Context Protocol (MCP) server for Claude Code and Cursor, and native Software Development Kits (SDKs) for Web, iOS, Android, React Native, and Flutter. **Integrate in 5 minutes** with an AI agent or in a working afternoon by hand.
- **User experience.** Highest pass rates in the market, **sub-2-second** end-to-end inference, country-specialised capture flows, **48+ languages** out of the box.
- **Flexibility.** One `/v3/` Application Programming Interface (API) composes 25+ modules across KYC, Know Your Business (KYB), Transaction Monitoring, and Wallet Screening (KYT — know your transaction). A KYB session spawns a linked KYC for every Ultimate Beneficial Owner (UBO); a flagged transaction spawns a step-up KYC remediation — same session, same webhook contract, same audit trail. Single-product vendors sell one shape of KYC and stop there.
- **AI-era fraud.** **200+ real-time fraud signals** scored on every session — deepfake, injection, synthetic-ID, document forgery, face-morph, device intelligence, replay. Single-product vendors treat deepfake and injection detection as roadmap items, not defaults.

Common in fintech and crypto — the same architecture fits marketplaces, iGaming, mobility, and any vertical where you need to know who someone is and what they are doing.

Question 3

What does it cost? Is anything actually free?

Accepted Answer

**500 verifications free every month, forever**, on every account. No credit card. No sales call. No expiry.

Above the free tier, every module has a **public per-success price** on `didit.me/pricing` — `$0.33` per full KYC bundle, `$0.15` per Identity Document Verification, `$0.15` per Wallet Screening, `$0.20` per Anti-Money Laundering (AML) Screening, `$0.10` per liveness, `$0.05` per face match, `$0.03` per Internet Protocol (IP) analysis.

Pay-as-you-go, no minimums, no overage surprises. Volume discounts kick in automatically as you grow.

Question 4

Which Panamanian regulator covers identity verification on a digital onboarding?

Accepted Answer

Three sit on top of every Panamanian identity-verification flow:

- **Superintendencia de Bancos de Panamá (SBP)** — sets remote-onboarding requirements for banks, EMIs, payment institutions and financial cooperatives under **Acuerdo SBP 10-2015** (Customer Due Diligence) and the broader **Ley 23 de 2015** prevention-of-money-laundering framework.
- **Unidad de Análisis Financiero (UAF)** — Panama's Financial Intelligence Unit. Receives Reportes de Operaciones Sospechosas under Ley 23 de 2015.
- **Autoridad Nacional de Transparencia y Acceso a la Información (ANPD)** — supervises **Ley 81 de 2019 (Protección de Datos Personales)**. Governs how the verification data is captured, stored and disclosed.

Didit ships the hosted flow + the audit log + the watchlist coverage to satisfy all three at the same time — same `POST /v3/session/` workflow, same JSON report, same SOC 2 Type 1 + ISO/IEC 27001 evidence pack.

Question 5

Does Didit cross-check Panamanian identities against the Tribunal Electoral?

Accepted Answer

**Yes — via two Database Validation services** on `POST /v3/database-validation/`.

- **`pan_cedula_sib`** (`$0.75`) — Standard SIB biometric tier. Cédula + selfie against the Tribunal Electoral SIB service.
- **`pan_cedula_sib_plus`** (`$1.50`) — Elevated SIB Plus tier with stronger biometric thresholds and richer match metadata. The right pick when SBP asks for enhanced Customer Due Diligence on higher-risk customers.

Both services include a biometric face-match against the photo on file at the Tribunal Electoral, return `identification_number` and the match decision.

Question 6

Is Didit FATF-grey-list aware for Panamanian financial institutions?

Accepted Answer

**Yes — and that is part of why customers pick Didit in Panama.** Panama's continuous remediation work with the FATF means SBP- and UAF-supervised entities operate under enhanced expectations on Customer Due Diligence, source-of-funds documentation, beneficial-ownership transparency, and ongoing monitoring.

Didit's stack maps directly:

- **Identity Document Verification** + **Active Liveness** + **Face Match 1:1** for the tier-1 onboarding check.
- **`pan_cedula_sib_plus`** Database Validation (elevated tier) against the Tribunal Electoral — the authoritative-source biometric check Acuerdo SBP 10-2015 expects for enhanced due diligence.
- **AML Screening** ($0.20 per check) against the global pool plus Panamanian regulatory watchlists.
- **Business Verification (KYB)** with full UBO chain extraction (Ley 129 de 2020) for corporate onboarding.
- **Ongoing AML monitoring** ($0.07 per user / year) for the periodic-review obligation.

Question 7

How long does it take to integrate Didit in Panama?

Accepted Answer

**5 minutes to a working sandbox, a weekend to a production flow.**

- Sign up at `business.didit.me`, grab an API key, call `POST /v3/session/` with a `workflow_id` that wires ID Verification + Active Liveness + Face Match + AML + Tribunal Electoral SIB cross-check — done.
- AI-agent path: paste the integration prompt at `docs.didit.me/integration/integration-prompt` into Claude Code, Cursor, Codex, Devin, Aider, or Replit Agent. The agent provisions the application, builds the workflow, wires the webhook, and runs a smoke test.
- Five SDKs share the same session model: Web, iOS, Android, React Native, Flutter.

The **first 500 verifications every month are free, forever** — pilot the full Panama stack at zero cost before flipping production traffic.

Question 8

Which language does the hosted verification flow use for Panamanian users?

Accepted Answer

**Panamanian Spanish — auto-detected from the user's browser / device locale.** The hosted UI ships in 48+ languages; Panamanian users land on the Spanish flow by default. English is also live on the same flow for cross-border or expat users — useful given the deep English-speaking expat and offshore community in Panama City.

The document-recognition layer is decoupled from the UI layer — capture works in any language, and the admin console can be set independently to whichever language your compliance team prefers.

Question 9

What does the Panama verification cost end-to-end?

Accepted Answer

Per-module public pricing — pay only for what runs on the session:

- **ID Verification** — `$0.15` per document check.
- **Passive Liveness** — `$0.10`. Active Liveness — `$0.15`.
- **Face Match 1:1** — `$0.05`. Face Search 1:N — **free**.
- **AML Screening** — `$0.20` per check. Ongoing AML — `$0.07 per user / year`.
- **`pan_cedula_sib`** (Standard tier) — `$0.75` per successful query.
- **`pan_cedula_sib_plus`** (Elevated tier) — `$1.50` per successful query.

The **full KYC bundle** (Identity + Passive Liveness + Face Match + IP Analysis) is **`$0.33`** — same anchor price worldwide, no Panama surcharge. **500 verifications free every month**, no credit card. Volume discounts auto-apply above the free tier; Enterprise adds a custom Master Services Agreement (MSA) and data-residency choice.

Identity verification
built for Panama

How identity verification works in Panama.

Who supervises identity verification in Panama.

SBP

SMV

UAF

ANPD

Tribunal Electoral

Four modules. One verification.

Capture and read the ID.

Match the face. Prove it's a real person..

Screen for sanctions, PEPs, and adverse media.

Cross-check against the Tribunal Electoral.

Every Panama document Didit accepts.

Civil-registry and AML coverage for Panama.

Panama — Cédula with face-match (SIB)

Panama — Cédula with face-match (SIB Plus, elevated tier)

AML lists screened in Panama

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

Common questions about Panama.

Countries in Latin America

Fintech and neobanks

Crypto and Web3

Identity Document Verification

AML Screening

See the full price list

Infrastructure for identity and fraud.

Identity verificationbuilt for Panama