AMLA published the final report on its draft Regulatory Technical Standards on customer due diligence under Article 28(1) of the AML Regulation (EU 2024/1624).
Customer Due Diligence, AMLA’s Final RTS ↗
What happened
- The RTS establishes that electronic identification means, European Digital Identity Wallets, and qualified trust services under Article 22(6) AMLR are the default verification method, relegating alternative remote onboarding tools to an exception that requires justification.
- Namirial claims its onboarding platform is certified against ETSI TS 119 461 v2 and aligns with Article 7 fallback verification requirements.
Why it matters to Signicat
- The regulatory preference for eIDs, EUDI Wallets, and QTSP services directly validates Signicat's eID and Wallet Hub strategy across core European markets.
- Obliged entities using document verification with selfies will need documented justifications for why Article 22(6) trust services or eIDs were unavailable.
Evidence from the source (4 quotes)
- “Article 7 alternatives apply only where the customer cannot reasonably present the document in person and has no access to eID or qualified trust services meeting Article 22(6)(b).” source ↗
- “Namirial Onboarding, including its biometric components, is already fully aligned with these requirements and certified against ETSI TS 119 461 v2, the de facto standard for identity proofing, which will soon be published as EN 319 461.” source ↗
- “In practice, remote KYC flows should treat eID, EUDI Wallet and QES as the primary path wherever possible, with alternative methods as a documented fallback to cover all the use cases.” source ↗
- “Article 7(3) adds a justification duty: you must be able to explain why a given customer could not be verified through the Article 22(6) means, and demonstrate to your supervisor that the alternative solution complies.” source ↗
EUDI wallet eIDAS 2eID brokeringeSign trust servicesAML KYB screeningDocument IDV biometricsRegulatory commentaryThought leadershipGeos/global
3 of 4 facts verified against the source · confidence high · gemini-3.8-flash