Identity verification in Peru
Executive summary. Peru is a Spanish-speaking, ~34 million-inhabitant Andean jurisdiction whose identity stack is unusually deep for Latin America: every citizen over the age of majority holds a Documento Nacional de Identidad (DNI) issued by RENIEC, and since 2013 the polycarbonate DNI electrónico (DNIe) carries a Common Criteria EAL5 chip with PKI certificates, match-on-card fingerprint biometri
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Peru has the sixth-largest economy in Latin America, a GDP per capita near USD 7,500, and roughly 34 million inhabitants concentrated on the Pacific coast (Lima alone holds about a third). The financial system is dominated by four commercial groups — Banco de Crédito del Perú (BCP) (Credicorp), BBVA Perú, Scotiabank Perú, and Interbank — which together hold the vast majority of deposits and loans. Beside them sit mid-sized players (Banco Pichincha, Banco Falabella, Banbif), the microfinance ecosystem of cajas municipales and cajas rurales, and specialised edpymes. Three structural features shape the Peruvian 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
Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de Pensiones
Superintendencia del Mercado de Valores
Banco Central de Reserva del Perú
Autoridad Nacional de Protección de Datos Personales, a unit of the Ministerio de Justicia y Derechos Humanos (MINJUS
Registro Nacional de Identificación y Estado Civil
Superintendencia Nacional de Aduanas y de Administración Tributaria
Superintendencia Nacional de los Registros Públicos
RENIEC (autonomous constitutional body)
regulated
National civil registry and identity database managing DNI (Documento Nacional de Identidad). DNI number assigned to all citizens. Real-time consultation services available via API for authorized enti
RENIEC
regulated
Electronic national ID card introduced 2013, gradually replacing original DNI. Embedded chip stores biographic data, digital certificates, and biometric templates. Supports PKI-based authentication, d
SUNAT
regulated
Tax and customs authority managing RUC (Registro Único de Contribuyentes) — 11-digit taxpayer ID. Public online lookup available. API access via third-party providers (Apitude, Verifik). Returns regis
Government & regulated databases
Compliance framework
AML framework
Supervised by SBS
- Ley N° 27.693 (12 April 2002) — Ley que crea la Unidad de Inteligencia Financiera del Perú. Created UIF-Perú and set the basic framework of customer due diligence and suspicious-operation reporting. Modified by Ley N° 28.009 and Ley N° 28.306, reglamentada by D.S. N° 020-2017-JUS. - Ley N° 29.038 (12 June 2007) — Ley que incorpora la Unidad de Inteligencia Financiera del Perú (UIF-Perú) a la Superintendencia de Banca, Seguros y AFP. Folded UIF-Perú into SBS as a specialised unit and expanded t
Data protection
Supervised by National DPA
- Legal basis: Ley N° 29.733 (2011) + D.S. N° 016-2024-JUS (new reglamento, in force 30 March 2025), replacing D.S. N° 003-2013-JUS. - Authority: Autoridad Nacional de Protección de Datos Personales (ANPDP), within MINJUS. - Legal grounds for KYC processing: compliance with legal obligation (Ley N°
Penalties for non-compliance
- SBS AML fines (2002–2022): 15 sanctions totalling ~S/1.5 million across BCP, BBVA Perú, Scotiabank Perú, Interbank and Banco Falabella; BCP alone accumulated S/2.92 million (674 UIT) in the 2018, 2019 and 2021 cycles. BBVA was fined in 2018 for failing to timely report three USD operations above U
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
Banks, EMIs and other SBS-supervised entities run a two-rail onboarding model under Resolución SBS 2660-2015:
Exchanges, custodians, wallets, on/off-ramps.
Crypto in Peru sits in a formal AML regime without yet having a bespoke licensing statute. The sequence:
Sports betting, online casinos, age-gated platforms.
Until 2022 Peru had a regulated land-based casino vertical (slot halls and casinos, overseen by MINCETUR's DGJCMT under Ley N° 27.153) and no formal regime for online gambling — operators served the market from offshore licences.
Gig platforms, delivery, creator economy, e-commerce.
Peru has not yet enacted a dedicated Digital Services Act equivalent, and marketplaces are not per se sujetos obligados under Resolución SBS 789-2018. However, KYC obligations are triggered indirectly when a marketplace:
Biometric liveness
Biometric liveness in Peru is governed by the intersection of Resolución SBS 2660-2015, Ley N° 29.733 and international standards. There is no single Peruvian standard; the SBS applies a principles-based test of integridad de la captura and vinculación of the customer to the document. In practice, every serious vendor serving the Peruvian market is benchmarked against: - ISO/IEC 30107-3 Presentation Attack Detection Level 2 — the de facto bar for bank onboarding and MINCETUR gambling flows. - NI
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. Peru 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 Peru, 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 Peru.
Most regulated sectors in Peru 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 Peru’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Peru’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
