Identity verification in Togo
Executive summary. Togo is a member of the Union Économique et Monétaire Ouest Africaine (UEMOA) and the Inter-Governmental Action Group against Money Laundering in West Africa (GIABA). Its AML/CFT framework is governed by UEMOA Directive No. 02/2015/CM/UEMOA on combating money laundering and terrorism financing, transposed into national law, and supervised at the regional level by the Banque Cent
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Togo has a population of approximately 8.8 million and a GDP of roughly USD 8.5 billion. Lomé is the capital and commercial centre. The economy is driven by agriculture (cocoa, coffee, cotton), phosphate mining, port services, and trade. Three verticals drive KYC demand:
Supported documents
Didit templates cover national IDs, passports, residence permits and regional documents — plus 14,000+ documents globally for cross-border flows.
Regulators
Binding instructions on CDD, internal controls, and reporting for all financial institutions in the UEMOA zone
Regional central bank supervising all UEMOA financial institutions for prudential and AML compliance
National FIU, receiving, analysing, and disseminating STRs
ANID
regulated
Biometric national ID program with digital enrollment. ANID manages national identification and biometric database.
Government & regulated databases
Compliance framework
AML framework
Supervised by BCEAO Instructions
- UEMOA Directive No. 02/2015/CM/UEMOA — Regional AML/CFT directive, transposed into Togolese national law. Applies uniformly across UEMOA's eight member states. - Loi No. 2018-004 — National transposition of the UEMOA AML directive. - BCEAO Instructions — Binding instructions on CDD, internal controls, and reporting for all financial institutions in the UEMOA zone. - Loi No. 2019-014 — On the protection of personal data. The Instance de Protection des Données à Caractère Personnel (IPDCP) super
Data protection
Supervised by National DPA
Togo's data protection law (Law 2019-014) restricts cross-border transfers to countries with adequate protection or subject to contractual safeguards. IPDCP authorisation may be required. UEMOA-zone transfers benefit from the regional framework.
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
1. Document capture. National ID card or passport. 2. Liveness and biometric match. Selfie with liveness detection. 3. Data extraction. National ID number, full name, date of birth, address. 4. PEP and sanctions screening. Against EU, UN, OFAC, ECOWAS lists. 5. Ongoing monitoring. Per BCEAO instruct
Exchanges, custodians, wallets, on/off-ramps.
No VASP framework. BCEAO has issued warnings about virtual assets. General UEMOA AML obligations apply.
Sports betting, online casinos, age-gated platforms.
Gambling is regulated under national legislation. Licensed operators must perform basic CDD.
Gig platforms, delivery, creator economy, e-commerce.
1. Seller identity verification — national ID or passport. 2. Mobile money account verification — linked to registered SIM. 3. Tax identification — NIF for business sellers. 4. Trade finance CDD — for port-related commercial transactions above XOF 5,000,000.
Biometric liveness
Togo's e-ID programme produces biometric identity cards. Biometric passports are being issued. Liveness detection (ISO 30107-3 compliant) with document-portrait matching is the standard for remote onboarding. ---
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. Togo 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 Togo, 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 Togo.
Most regulated sectors in Togo 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 Togo’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Togo’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
