Identity verification in Uruguay
Document verification, biometric liveness and AML screening for businesses operating in Uruguay — at $0.30 per verification.
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Uruguay is a high-income OECD-accession candidate with 3.5 million inhabitants, a per-capita GDP above USD 22,000 and the highest banking penetration in Latin America after Chile. It is a founding member of Mercosur, a full GAFILAT member since 2000, and has held investment-grade sovereign ratings continuously since 2012. Montevideo hosts the regional headquarters of multinational banks (Santander, Itaú, BBVA, Scotiabank), a domestic state bank (Banco República — BROU) and Banco Hipotecario, plus a growing cluster of fintechs, payment processors and crypto exchanges. Uruguay is the home country of dLocal, the first unicorn born in the country and today a Nasdaq-listed cross-border payments platform that in 2025 secured a UK FCA authorised payment institution licence. Domestic fintech stand
Supported documents
Didit templates cover national IDs, passports, residence permits and regional documents — plus 14,000+ documents globally for cross-border flows.
Regulators
AML supervisor
Ministerio del Interior
regulated
Manages cédula de identidad. Digital identity services via ID Uruguay platform. Electronic verification available for authorized entities.
AGESIC (Agencia de Gobierno Electrónico)
regulated
National digital identity platform. Single sign-on for government services. OpenID Connect based. Strong push toward digital government.
DGI
regulated
Tax authority managing RUT (Registro Único Tributario). Online consultation available.
Government & regulated databases
Compliance framework
AML framework
Supervised by Ley 19.574
The AML/CFT framework is anchored in Ley N.º 19.574 de 20 de diciembre de 2017 (Ley Integral contra el Lavado de Activos), published on impo.com.uy and amended most recently by Ley 19.749 and by provisions in successive Leyes de Rendición de Cuentas. Ley 19.574 consolidated what had previously been scattered across Ley 17.835, Ley 18.494, Ley 19.355 and the 2015 bank-secrecy reform, producing a single instrument that:
Data protection
Supervised by National DPA
Penalties for non-compliance
- 1,000+ sanctions, PEP and watchlists including Mercosur parallel lists and UN/OFAC/EU/HMT consolidated lists, with ongoing monitoring included.
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
Under Ley 19.574 and BCU's RNRCSF Book V, a compliant remote onboarding flow for a Uruguayan resident opening an account at a banco, institución financiera externa, administradora de crédito de mayores activos or institución emisora de dinero electrónico typically combines:
Exchanges, custodians, wallets, on/off-ramps.
From 2014 until late 2024, virtual-asset activity in Uruguay operated in a grey zone: BCU issued successive public warnings distinguishing cryptocurrencies from legal tender but there was no dedicated licence. That changed on 19 September 2024 with the enactment of Ley N.º 20.345 (Ley de Activos Vir
Sports betting, online casinos, age-gated platforms.
Uruguay's gambling regime is divided between two regulators:
Gig platforms, delivery, creator economy, e-commerce.
Personal data is governed by Ley N.º 18.331 de 11 de agosto de 2008 (Ley de Protección de Datos Personales y Acción de Habeas Data) and its implementing Decreto N.º 414/009, both on impo.com.uy. The law predates GDPR but mirrors the EU approach: data is a human right, processing requires a lawful ba
Biometric liveness
BCU SSF and SENACLAFT both actively enforce Ley 19.574. Representative signals: - Banking sector. BCU SSF has issued fines for CDD deficiencies, UBO gaps and late ROS filings under RNRCSF Book V, publishing sanctions in its Boletín de Resoluciones. - Non-financial sector. SENACLAFT fined Iglesia Misión Vida in 2024 with a sanction equivalent to roughly USD 320,000 after a 2021 inspection detected systemic CDD failures — the largest publicly reported non-financial-sector sanction to date. SENACLA
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. Uruguay 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 Uruguay, 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 Uruguay.
Most regulated sectors in Uruguay 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 Uruguay’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Uruguay’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
