{"id":89509,"date":"2025-03-11T23:08:29","date_gmt":"2025-03-11T23:08:29","guid":{"rendered":"https:\/\/veridas.com\/?p=89509"},"modified":"2025-07-18T08:00:55","modified_gmt":"2025-07-18T08:00:55","slug":"sepblac-digital-identity-spain","status":"publish","type":"post","link":"https:\/\/veridas.com\/en\/sepblac-digital-identity-spain\/","title":{"rendered":"SEPBLAC and Digital Identity Verification in Spain"},"content":{"rendered":"<h2>Introduction: Regulation and Technology Hand in Hand<\/h2>\n<p><span style=\"font-weight: 400;\">Spain has been a pioneer in regulating <\/span><a href=\"https:\/\/veridas.com\/identity-verification-platform\/\"><b>digital identity verification<\/b><\/a><span style=\"font-weight: 400;\"> processes, establishing itself as one of the first countries to implement specific regulations in this field. Since 2016, SEPBLAC regulations have allowed the use of <\/span><b>advanced technologies<\/b><span style=\"font-weight: 400;\"> to verify citizens&#8217; identities in financial and electronic trust processes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With increasing digitalization and the need for secure remote transactions, <\/span><b>trust in user identity<\/b><span style=\"font-weight: 400;\"> has become a fundamental pillar. This is where technological solutions such as <\/span><b>video-identification and biometrics<\/b><span style=\"font-weight: 400;\"> come into play, ensuring security and <a href=\"https:\/\/veridas.com\/compliance\/\">regulatory compliance<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article will analyze how the regulation of <\/span><b>remote identification<\/b><span style=\"font-weight: 400;\"> has evolved in Spain, the requirements set by SEPBLAC, and how technological solutions like those of <\/span><b>Veridas<\/b><span style=\"font-weight: 400;\"> comply with these regulations.<\/span><\/p>\n<p><iframe title=\"YouTube video player\" data-cookieconsent=\"preferences, statistics, marketing\" data-src=\"https:\/\/www.youtube.com\/embed\/nFFkJ6l6cHU?si=QLYToFmIu2TaYZKP\" width=\"660\" height=\"415\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><div class=\"cookieconsent-optout-preferences cookieconsent-optout-statistics cookieconsent-optout-marketing\"><\/div><\/p>\n<h2>SEPBLAC and Anti-Money Laundering Prevention<\/h2>\n<p><span style=\"font-weight: 400;\">The <\/span><b>Executive Service of the Commission for the Prevention of Money Laundering and Monetary Offenses (SEPBLAC)<\/b><span style=\"font-weight: 400;\"> is the body responsible for supervising and regulating the prevention of <\/span><b><a href=\"https:\/\/veridas.com\/what-is-aml\/\">money laundering<\/a> and terrorist financing<\/b><span style=\"font-weight: 400;\"> in Spain.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Since 2016, SEPBLAC has authorized <\/span><b>remote identification<\/b><span style=\"font-weight: 400;\"> for opening bank accounts and other financial operations, establishing a regulatory framework that has evolved to include <\/span><b>automated video-identification<\/b><span style=\"font-weight: 400;\"> processes.<\/span><\/p>\n<h3>SEPBLAC Regulation: Remote Identification<\/h3>\n<p><span style=\"font-weight: 400;\">According to <\/span><b>Article 21.1.d) of the Regulation of Law 10\/2010<\/b><span style=\"font-weight: 400;\">, obligated entities may establish remote business relationships if:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">They use <\/span><b>secure identification procedures<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">These procedures have been <\/span><b>authorized by SEPBLAC<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To meet these requirements, identity verification systems must ensure:<\/span><\/p>\n<ul>\n<li><b>Authenticity, validity, and integrity<\/b><span style=\"font-weight: 400;\"> of the identity document.<\/span><\/li>\n<li><b>Recording of the video conference<\/b><span style=\"font-weight: 400;\">, ensuring process traceability.<\/span><\/li>\n<li><b>Capture of clear images<\/b><span style=\"font-weight: 400;\"> of the front and back of the document.<\/span><\/li>\n<li><b>Review of evidence<\/b><span style=\"font-weight: 400;\"> by a specialized operator.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Evolution of Remote Identification in Spain<\/h2>\n<h3>2016: Authorization of Remote Identification<\/h3>\n<p><span style=\"font-weight: 400;\">In February <\/span><b>2016<\/b><span style=\"font-weight: 400;\">, SEPBLAC published the \u201cAuthorization of remote identification procedures via video conference,\u201d establishing that:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The technology must <\/span><b>verify the authenticity and validity<\/b><span style=\"font-weight: 400;\"> of the documents.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The <\/span><b>video conference must be recorded<\/b><span style=\"font-weight: 400;\"> with date and time stamps.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The user must visibly display <\/span><b>both sides<\/b><span style=\"font-weight: 400;\"> of their document.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">High-quality and <\/span><b>clear images<\/b><span style=\"font-weight: 400;\"> of the document must be captured.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3>2017: Automated Video-Identification<\/h3>\n<p><span style=\"font-weight: 400;\">In <\/span><b>May 2017<\/b><span style=\"font-weight: 400;\">, SEPBLAC expanded the regulations to allow <\/span><b>automated video-identification<\/b><span style=\"font-weight: 400;\">, without the need for online interaction with an operator. Additional requirements were established, such as:<\/span><\/p>\n<ul>\n<li><b>Single-device process in real-time.<\/b><\/li>\n<li><b>Live transmission<\/b><span style=\"font-weight: 400;\">, no pre-recorded files.<\/span><\/li>\n<li><b>Mandatory capture of separate document photographs.<\/b><\/li>\n<li><b>Review of evidence by a trained operator.<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">These changes promoted the use of advanced biometric technologies and ensured a <\/span><b>higher level of security and efficiency<\/b><span style=\"font-weight: 400;\"> in remote identification processes.<\/span><\/p>\n<h2>Regulation of Remote Identification in Spain: Order ETD\/465\/2021<\/h2>\n<p><span style=\"font-weight: 400;\">To reinforce security in <\/span><b>remote identification<\/b><span style=\"font-weight: 400;\"> processes, in <\/span><b>May 2021<\/b><span style=\"font-weight: 400;\">, <\/span><b>Order ETD\/465\/2021<\/b><span style=\"font-weight: 400;\"> was approved, regulating video verification methods for the issuance of <\/span><b>qualified electronic certificates<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3>Key Requirements of Order ETD\/465\/2021<\/h3>\n<ul>\n<li><b>Single-session process<\/b><span style=\"font-weight: 400;\">: The process must be executed on a single device and in a single sequential flow.<\/span><\/li>\n<li><b>Real-time<\/b><span style=\"font-weight: 400;\">: No pre-recorded or edited recordings are allowed.<\/span><\/li>\n<li><b>Document authenticity<\/b><span style=\"font-weight: 400;\">: The technology used must guarantee its <\/span><b>validity and integrity<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li><b>Biometric validation<\/b><span style=\"font-weight: 400;\">: User identity must be verified through <\/span><b>facial recognition technologies certified by NIST<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Veridas provides a <\/span><b>reliable, secure, and certified system<\/b><span style=\"font-weight: 400;\">, ensuring that financial and electronic trust entities comply with the highest security standards.<\/span><\/p>\n<h2>Identity Verification Process According to SEPBLAC<\/h2>\n<p><span style=\"font-weight: 400;\">Below is a diagram of the <\/span><b>remote identity verification flow<\/b><span style=\"font-weight: 400;\"> according to the requirements of SEPBLAC and Order ETD\/465\/2021:<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-89512 size-full\" title=\"SEPBLAC Compliance\" src=\"https:\/\/veridas.com\/wp-content\/uploads\/2025\/03\/Veridas-Sepblac-Solution.jpg\" alt=\"\" width=\"707\" height=\"385\" srcset=\"https:\/\/veridas.com\/wp-content\/uploads\/2025\/03\/Veridas-Sepblac-Solution.jpg 707w, https:\/\/veridas.com\/wp-content\/uploads\/2025\/03\/Veridas-Sepblac-Solution-300x163.jpg 300w\" sizes=\"(max-width: 707px) 100vw, 707px\" \/><\/p>\n<h3>1. Document Capture<\/h3>\n<p><span style=\"font-weight: 400;\">The user scans the <\/span><b>front and back<\/b><span style=\"font-weight: 400;\"> of their identity document.<\/span><\/p>\n<h3>2. Selfie and Liveness Check<\/h3>\n<p><span style=\"font-weight: 400;\">It is verified that the user&#8217;s face matches the document using <\/span><b>advanced biometric technology<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3>3. Video Recording<\/h3>\n<p><span style=\"font-weight: 400;\">The user displays their document on video, ensuring authenticity.<\/span><\/p>\n<h3>4. Biometric and Document Validation<\/h3>\n<p><span style=\"font-weight: 400;\">The <\/span><b>validity and integrity<\/b><span style=\"font-weight: 400;\"> of the document are analyzed, along with its correspondence to the user&#8217;s biometrics.<\/span><\/p>\n<h3>5. Manual Review by an Operator<\/h3>\n<p><span style=\"font-weight: 400;\">A specialist reviews all collected evidence to validate the process.<\/span><\/p>\n<h2>How Veridas Complies with SEPBLAC<\/h2>\n<p><span style=\"font-weight: 400;\">The solutions from <\/span><b>Veridas<\/b><a href=\"https:\/\/veridas.com\/dekra-verifies-that-veridas-remote-identification-tool-meets-ccn-security-requirements\/\"><span style=\"font-weight: 400;\"> ensure <\/span><b>regulatory compliance<\/b><\/a><span style=\"font-weight: 400;\"> with SEPBLAC and Order ETD\/465\/2021 through:<\/span><\/p>\n<ul>\n<li>Biometric technology <a href=\"https:\/\/veridas.com\/nist-veridas-best-biometric-engines\/\">certified by NIST<\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li><a href=\"https:\/\/veridas.com\/document-verification\/\">Advanced document verification<\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li>Implementation of <a href=\"https:\/\/veridas.com\/liveness-detection\/\">liveness detection<\/a> against presentation attacks<span style=\"font-weight: 400;\">.<\/span><\/li>\n<li><a href=\"https:\/\/veridas.com\/how-veridas-solutions-comply-with-regulations\/\">Compliance<\/a> with Order ETD\/465\/2021 and the CCN-STIC-140 Guide<span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Veridas offers a <\/span><b>reliable, secure, and certified system<\/b><span style=\"font-weight: 400;\">, ensuring that financial institutions and electronic trust services meet the highest security standards.<\/span><\/p>\n<h2>Frequently Asked Questions (FAQs)<\/h2>\n<h3>What is SEPBLAC?<\/h3>\n<p><span style=\"font-weight: 400;\">It is the supervisory body responsible for preventing money laundering and regulating digital identification in Spain.<\/span><\/p>\n<h3>How is remote identification performed according to SEPBLAC?<\/h3>\n<p><span style=\"font-weight: 400;\">Through <\/span><b>real-time video identification<\/b><span style=\"font-weight: 400;\">, combining biometric technologies and document validation.<\/span><\/p>\n<h3>What regulations govern remote identification in Spain?<\/h3>\n<p><span style=\"font-weight: 400;\">Order <\/span><b>ETD\/465\/2021<\/b><span style=\"font-weight: 400;\"> establishes the technical requirements for identity verification via video.<\/span><\/p>\n<h3>How does Veridas ensure SEPBLAC compliance?<\/h3>\n<p><span style=\"font-weight: 400;\">Through certified technological solutions that meet <\/span><b>standards of authenticity, biometrics, and document security<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3>What are the benefits of automated video-identification?<\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\">Greater security and traceability.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Reduction in costs and verification times.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Guaranteed regulatory compliance.<\/span><\/li>\n<\/ul>\n<h2>Conclusion<\/h2>\n<p><span style=\"font-weight: 400;\">SEPBLAC has positioned Spain as a leader in <\/span><b>remote identity verification<\/b><span style=\"font-weight: 400;\">, establishing regulations that ensure security in digital transactions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The solutions from <\/span><b>Veridas<\/b><span style=\"font-weight: 400;\"> comply with these requirements, providing advanced tools for <\/span><b>secure and reliable digital identification<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction: Regulation and Technology Hand in Hand Spain has been a pioneer in regulating digital identity verification processes, establishing itself as one of the first countries to implement specific regulations in this field. Since 2016, SEPBLAC regulations have allowed the use of advanced technologies to verify citizens&#8217; identities in financial and electronic trust processes. With [&hellip;]<\/p>\n","protected":false},"author":50,"featured_media":89491,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":[252],"meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[60,190],"tags":[],"country":[296],"resource":[293],"topic":[250],"industry":[],"solution":[232],"class_list":["post-89509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-compliance","category-fraud-prevention","country-spain","resource-yes","format-article","topic-fraud-prevention","solution-identity-verification"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SEPBLAC and Digital Identity Verification in Spain &#8226; Veridas<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/veridas.com\/en\/sepblac-digital-identity-spain\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SEPBLAC and Digital Identity Verification in Spain &#8226; Veridas\" \/>\n<meta property=\"og:description\" content=\"Introduction: Regulation and Technology Hand in Hand Spain has been a pioneer in regulating digital identity verification processes, establishing itself as one of the first countries to implement specific regulations in this field. Since 2016, SEPBLAC regulations have allowed the use of advanced technologies to verify citizens&#8217; identities in financial and electronic trust processes. With [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/veridas.com\/en\/sepblac-digital-identity-spain\/\" \/>\n<meta property=\"og:site_name\" content=\"Veridas\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-11T23:08:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-18T08:00:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/veridas.com\/wp-content\/uploads\/2025\/03\/normativa-SEPBLAC.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Edu Gozalo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@VeridasOfficial\" \/>\n<meta name=\"twitter:site\" content=\"@VeridasOfficial\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Edu Gozalo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/veridas.com\/en\/sepblac-digital-identity-spain\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/veridas.com\/en\/sepblac-digital-identity-spain\/\"},\"author\":{\"name\":\"Edu Gozalo\",\"@id\":\"https:\/\/veridas.com\/en\/pt\/#\/schema\/person\/7a6c6aa69d6cde819e274a9500dce744\"},\"headline\":\"SEPBLAC and Digital Identity Verification in Spain\",\"datePublished\":\"2025-03-11T23:08:29+00:00\",\"dateModified\":\"2025-07-18T08:00:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/veridas.com\/en\/sepblac-digital-identity-spain\/\"},\"wordCount\":823,\"publisher\":{\"@id\":\"https:\/\/veridas.com\/en\/pt\/#organization\"},\"image\":{\"@id\":\"https:\/\/veridas.com\/en\/sepblac-digital-identity-spain\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/veridas.com\/wp-content\/uploads\/2025\/03\/normativa-SEPBLAC.jpg\",\"articleSection\":[\"Compliance\",\"Fraud Prevention\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/veridas.com\/en\/sepblac-digital-identity-spain\/\",\"url\":\"https:\/\/veridas.com\/en\/sepblac-digital-identity-spain\/\",\"name\":\"SEPBLAC and Digital Identity Verification in Spain &#8226; 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