Identity verification in Vietnam
Executive summary. Vietnam is Southeast Asia's fastest-moving KYC/AML market and the most aggressive in mandating biometrics for retail banking. The regulatory architecture rests on the Law on Anti-Money Laundering 2022 (Luật Phòng, chống rửa tiền, Law No. 14/2022/QH15) in force since 1 March 2023, implemented by Decree 19/2023/ND-CP and by SBV Circular 09/2023/TT-NHNN (now superseded by Circular
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Vietnam has a population of roughly 100 million, GDP per capita around USD 4,700 and one of the world's fastest-growing digital economies. Banking penetration crossed 77% of adults in 2024 after a multi-year SBV financial-inclusion push. The financial system is supervised by the State Bank of Vietnam (SBV, Ngân hàng Nhà nước Việt Nam), which regulates banks, non-bank credit institutions, e-wallets, payment intermediaries and foreign-exchange activity; the Ministry of Finance (Bộ Tài chính) supervises insurance and, through the State Securities Commission (Ủy ban Chứng khoán Nhà nước, SSC), capital markets and fund management. The fintech ecosystem is dominated by local payment and super-app players: MoMo (more than 30 million users and Vietnam's largest e-wallet), ZaloPay, VNPAY, ViettelPa
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
Ministry of Public Security (MPS)
regulated
Centralized population database containing 107 million citizen records, connected with 15 ministries and 34 localities. Has processed over 2.1 billion authentication requests. Supports biometric match
Ministry of Public Security
regulated
Mandatory chip-embedded smart ID for all citizens aged 14+. Old-format cards expired January 1, 2025. Contains biometric data (fingerprints, facial image) on embedded chip. Supports NFC reading for di
Ministry of Public Security
regulated
Official digital ID 'super app' with 62+ million accounts. Provides Level 1 (basic) and Level 2 (biometric-verified) digital identities. Expanded to foreign residents from July 2025. Supports digital
Ministry of Finance
regulated
Tax authority managing MST (Mã số thuế / tax code). Online verification available.
Government & regulated databases
Compliance framework
AML framework
Supervised by Anti-Money Laundering Law
Vietnam's KYC/AML architecture rests on five pillars:
Data protection
Supervised by Ministry of Public Security
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
SBV Circular 09/2023/TT-NHNN (and now Circular 27/2025) and the Law on AML 2022 require every reporting entity to operate a customer due diligence (nhận biết khách hàng) programme proportionate to the services provided. The minimum steps for a Vietnamese fintech onboarding are:
Exchanges, custodians, wallets, on/off-ramps.
SBV has pushed Vietnam to the global frontier of mandatory biometric banking:
Sports betting, online casinos, age-gated platforms.
Vietnamese crypto regulation moved in three historical stages:
Gig platforms, delivery, creator economy, e-commerce.
Gambling in Vietnam is highly restricted. The framework rests on Decree 03/2017/ND-CP of 16 January 2017 on casino business and Decree 06/2017/ND-CP on horse racing, dog racing and international football betting. The starting position is that casinos are accessible to foreign passport holders only.
Biometric liveness
A pure non-document flow in Vietnam is possible in principle — the National Population Database would return the canonical match — but in practice private-sector access to CSDLQGDC is tightly gatekept by C06 and routed through a small number of licensed partners (VNPT eKYC, FPT.IDCheck / FPT.eKYC, Viettel). This means that outside of the C06-authorised channels, every Vietnamese KYC flow is a document-plus-biometric flow anchored on the CCCD chip. Didit's approach — document verification, livene
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. Vietnam 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 Vietnam, 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 Vietnam.
Most regulated sectors in Vietnam 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 Vietnam’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Vietnam’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
