Question 1

What does Didit ship?

Accepted Answer

Didit is the infrastructure layer for **identity and fraud**. One Application Programming Interface (API), 25+ composable modules across four product lines:

- **User Verification (KYC — know your customer)** — Identity Document Verification, liveness, face match, Anti-Money Laundering (AML) screening, Internet Protocol (IP) analysis. **$0.33** per full bundle.
- **Business Verification (KYB — know your business)** — registry, Ultimate Beneficial Owner (UBO), officers, entity AML, plus a linked KYC session per UBO.
- **Transaction Monitoring** — real-time rule engine, case management, Suspicious Activity Report (SAR) workflow.
- **Wallet Screening (KYT — know your transaction)** — on-chain wallet risk at **$0.15 per check**, or bring your own screening provider and run it inside Didit.

Compose any module into a workflow with the visual no-code builder, ship in **5 minutes**, **500 verifications free every month**, forever.

Question 2

How is Didit different from a single-product Know Your Customer (KYC) vendor?

Accepted Answer

**Most identity vendors sell one slice** — a KYC check, an Anti-Money Laundering (AML) list, a wallet screen. Didit ships the infrastructure underneath all of them, and the gap shows up on six axes:

- **Pricing.** Public price on every module — **$0.33** for a full KYC, **500 verifications free every month**, no minimums, no contracts. Single-product vendors hide six-figure minimums behind a sales call.
- **Access.** Sandbox in one click, self-serve from day one, production keys on signup. Single-product vendors gate the sandbox behind a contract — months to evaluate.
- **Developer experience.** Public docs, a Model Context Protocol (MCP) server for Claude Code and Cursor, and native Software Development Kits (SDKs) for Web, iOS, Android, React Native, and Flutter. **Integrate in 5 minutes** with an AI agent or in a working afternoon by hand.
- **User experience.** Highest pass rates in the market, **sub-2-second** end-to-end inference, country-specialised capture flows, **48+ languages** out of the box.
- **Flexibility.** One `/v3/` Application Programming Interface (API) composes 25+ modules across KYC, Know Your Business (KYB), Transaction Monitoring, and Wallet Screening (KYT — know your transaction). A KYB session spawns a linked KYC for every Ultimate Beneficial Owner (UBO); a flagged transaction spawns a step-up KYC remediation — same session, same webhook contract, same audit trail. Single-product vendors sell one shape of KYC and stop there.
- **AI-era fraud.** **200+ real-time fraud signals** scored on every session — deepfake, injection, synthetic-ID, document forgery, face-morph, device intelligence, replay. Single-product vendors treat deepfake and injection detection as roadmap items, not defaults.

Common in fintech and crypto — the same architecture fits marketplaces, iGaming, mobility, and any vertical where you need to know who someone is and what they are doing.

Question 3

What does it cost? Is anything actually free?

Accepted Answer

**500 verifications free every month, forever**, on every account. No credit card. No sales call. No expiry.

Above the free tier, every module has a **public per-success price** on `didit.me/pricing` — `$0.33` per full KYC bundle, `$0.15` per Identity Document Verification, `$0.15` per Wallet Screening, `$0.20` per Anti-Money Laundering (AML) Screening, `$0.10` per liveness, `$0.05` per face match, `$0.03` per Internet Protocol (IP) analysis.

Pay-as-you-go, no minimums, no overage surprises. Volume discounts kick in automatically as you grow.

Question 4

Which Croatian regulator covers identity verification on a digital onboarding?

Accepted Answer

Four sit on top of every Croatian identity-verification flow:

- **Hrvatska narodna banka (HNB)** — central bank, prudential supervisor for banks, payment institutions, and electronic-money issuers. Primary AML supervisor under the **Zakon o sprječavanju pranja novca i financiranja terorizma (NN 108/17)**.
- **Hrvatska agencija za nadzor financijskih usluga (HANFA)** — supervises capital-markets firms, insurers, pension funds, and Crypto-Asset Service Providers (CASPs) under **MiCA**.
- **Ured za sprječavanje pranja novca (UAML)** — Croatia's Financial Intelligence Unit. Receives Suspicious Transaction Reports under **NN 108/17** and coordinates with MONEYVAL and Europol.
- **Agencija za zaštitu osobnih podataka (AZOP)** — Croatian supervisory authority for **GDPR (Regulation 2016/679)**. Governs how the verification data is captured, stored, and disclosed.

Didit ships the hosted flow + the audit log + the watchlist coverage to satisfy all four at the same time — same `POST /v3/session/` workflow, same JSON report, same SOC 2 Type 1 + ISO/IEC 27001 evidence pack.

Question 5

Is Croatia in Schengen? How does that affect onboarding?

Accepted Answer

**Yes — Croatia joined the Schengen Area in January 2023.** For compliance teams, that means:

- Croatian nationals now travel and onboard across the EU with the Osobna iskaznica (national ID card) alone — no Putovnica (passport) required at Schengen borders.
- EU and Schengen-area identity cards are recognised under AMLD6 mutual recognition, so Croatian platforms onboarding French, German, or Spanish users can accept their national ID cards on the same Didit session.
- The HNB and UAML AML supervisory obligations apply to all customers regardless of nationality — Schengen movement increases the cross-border onboarding volume, not the risk threshold.

Didit auto-classifies every EU/EEA national identity card on the same hosted flow — no country-specific configuration required.

Question 6

Is Didit ready for an HNB payment institution authorisation in Croatia?

Accepted Answer

**Yes.** Croatia's **Hrvatska narodna banka (HNB)** authorises every Payment Institution (PI) and Electronic-Money Institution (EMI), and every entity must run full Customer Due Diligence under the **Zakon o sprječavanju pranja novca i financiranja terorizma (NN 108/17)**.

Didit covers the full stack on one workflow:

- **Identity Document Verification** + **Active Liveness** + **Face Match 1:1** for the tier-1 onboarding check.
- **AML Screening** ($0.20 per check) against the global pool plus every Croatian regulatory watchlist (Ministry of Foreign Affairs PEPs, State Attorney's SIP register, Market Competition Agency Warnings, EU Consolidated Sanctions, Europol, UN, OFAC SDN).
- **Ongoing AML monitoring** ($0.07 per user / year) for the periodic-review obligation under NN 108/17.

One audited session, one JSON report, one webhook contract — ready for the HNB + UAML dual-supervisor model.

Question 7

How long does it take to integrate Didit in Croatia?

Accepted Answer

**5 minutes to a working sandbox, a weekend to a production flow.**

- Sign up at `business.didit.me`, grab an API key, call `POST /v3/session/` with a `workflow_id` that wires ID Verification + Active Liveness + Face Match + AML — done.
- AI-agent path: paste the integration prompt at `docs.didit.me/integration/integration-prompt` into Claude Code, Cursor, Codex, Devin, Aider, or Replit Agent. The agent provisions the application, builds the workflow, wires the webhook, and runs a smoke test.
- Five SDKs share the same session model: Web, iOS, Android, React Native, Flutter.

The **first 500 verifications every month are free, forever** — pilot the full Croatia stack at zero cost before flipping production traffic.

Question 8

Which language does the hosted verification flow use for Croatian users?

Accepted Answer

**Croatian — auto-detected from the user's browser / device locale.** The hosted UI ships in 48+ languages; Croatian users land on the Croatian flow by default. English, German, Italian, and Hungarian are also live on the same flow for cross-border and expat users.

The document-recognition layer is decoupled from the UI layer — capture works in any language, and the admin console can be set independently to whichever language your compliance team prefers.

Question 9

What does the Croatia verification cost end-to-end?

Accepted Answer

Per-module public pricing — pay only for what runs on the session:

- **ID Verification** — `$0.15` per document check.
- **Passive Liveness** — `$0.10`. Active Liveness — `$0.15`.
- **Face Match 1:1** — `$0.05`. Face Search 1:N — **free**.
- **AML Screening** — `$0.20` per check. Ongoing AML — `$0.07 per user / year`.

The **full KYC bundle** (Identity + Passive Liveness + Face Match + IP Analysis) is **`$0.33`** — same anchor price worldwide, no Croatia surcharge. **500 verifications free every month**, no credit card. Volume discounts auto-apply above the free tier; Enterprise adds a custom Master Services Agreement (MSA) and data-residency choice.

Identity verification
built for Croatia

How identity verification works in Croatia.

Who supervises identity verification in Croatia.

HNB

HANFA

UAML

AZOP

Porezna uprava

Four modules. One verification.

Capture and read the ID.

Match the face. Prove it's a real person..

Screen for sanctions, PEPs, and adverse media.

Bind every check to one audited session.

Every Croatia document Didit accepts.

Civil-registry and AML coverage for Croatia.

AML lists screened in Croatia

Open a new country in one click. We do the hard work.

Common questions about Croatia.

Countries in Europe

Fintech and neobanks

Crypto and Web3

Identity Document Verification

AML Screening

See the full price list

Infrastructure for identity and fraud.

Identity verificationbuilt for Croatia