Verification is assembled from loose pieces
Document capture, liveness and screening live with different vendors and never read as a single file.
Fintech and payments in Uruguay
Onboard customers in minutes without losing traceability
Design onboarding for wallets, e-money issuers and processors with identity, liveness, screening and evidence in a single flow.
3 lifetime KYC screenings free · No credit card required
KYC + liveness
Identity verified during digital onboarding
PEP + sanctions
Risk screening inside the same flow
API + workflows
Onboarding embedded in your product
KYC · People
Verify people as it happens.
Send a link and the session guides the person: every check processes live and is validated against official sources and third parties.
Mobile SDK · Face match + Liveness
Face match and liveness, on the device.
The iOS and Android SDK compares the live face against the ID document photo and verifies there is a real person in front of the camera: 1:1 face match, passive liveness and anti-spoofing, with zero friction for the user.
KYB · Companies
Verify companies, down to the beneficial owner.
Business registries, official gazettes and ownership structure: identify UBOs and run directors through automatic AML screening.
Integrations · Workflows
Build workflows from your policy.
Attach your onboarding policy and let the assistant turn it into an executable workflow: identity, liveness, AML screening and approval, mapped to your requirements.
Operational challenges
Digital onboarding trades friction against control
Too light an onboarding leaves risk gaps; too heavy an onboarding loses users along the way.
Risk does not end at onboarding
An approved account can change risk profile weeks later, and the team finds out late.
Product and compliance pull apart
Without configurable rules, every policy change turns into an engineering request.
Onboarding and risk in one flow
Build the onboarding your product needs
Configure verification steps by segment risk and keep manual review only where it adds value.
Verify identity with liveness
Capture the document, validate the selfie and confirm the person is present during onboarding.
Onboard merchants and companies
Run KYB flows to verify the entity, its documents and the people behind it.
Screening inside the same flow
Check PEP, sanctions and adverse media without pulling the user out of the process.
Automate with human review
Set rules to approve, request more information or escalate, and keep the final decision with your team.
Regulatory context
Official sources for fintech and payments in Uruguay
Use these primary sources to shape your controls. Product content is not legal advice.
Central Bank of Uruguay framework
Supervised financial institutions and issuers
The central bank regulates and supervises financial institutions, e-money issuers and other participants in the payment system.
See central bank informationLaw 19.210 on financial inclusion
Electronic payment instruments
Sets the framework for electronic payment instruments and e-money in Uruguay, including the conditions for their use.
Read Law 19.210 on IMPOLaw 19.574 and SENACLAFT guidance
Prevention duties
Defines due diligence, the risk-based approach and the duty of obliged entities to report suspicious transactions.
Visit SENACLAFT on gub.uy
Frequently asked questions
KYC for fintech and payments in Uruguay
- Does it work for e-money issuers?
- Yes. Onboarding covers identity verification for individuals, KYB for companies and risk screening — controls common to wallets, issuers and processors.
- How does liveness work?
- The user captures their document and a guided selfie; the biometric comparison and liveness signals are stored alongside the rest of the onboarding evidence.
- Can it be integrated over API?
- Yes. Onboarding can start from your product and results stay available to your back office and to the client file.
- Can rules be adjusted per segment?
- Yes. Workflows let you require more steps from higher-risk segments and simplify onboarding for lower-risk ones.
- What happens after an account is approved?
- Periodic re-screening surfaces risk changes after onboarding, with the date and result of each review.
- Does Legal Talent guarantee regulatory compliance?
- No. The platform provides operational tooling; each institution must define and validate its duties and controls.
Keep exploring
Compliance in other markets and industries
Grow in Uruguay with onboarding that stays traceable
Connect digital onboarding with ongoing review without scattering evidence across tools.
3 lifetime KYC screenings free · No credit card required