Serasa Experian — KYC & AML

First and largest Datatech in Brazil with Valida Bets product specific to iGaming, covering KYC, facial biometrics, liveness, AML and compliance with Law 14,790 and SPA ordinances under the largest big data ecosystem in Latin America.

## One of the largest datatechs in the region applied to the iGaming sector Serasa Experian is the largest datatech in Brazil and the local subsidiary of the global Experian group, one of the three most relevant credit bureaus in the world. The company maintains operations in São Paulo (headquarters at Avenida das Nações Unidas, 14,401, Torre Sucupira), São Carlos, Blumenau and Brasília, with CNPJ 62.173.620/0001-80. Its historical background is in credit bureau and fraud prevention, but in November 2024 it launched a product specifically designed for the Brazilian iGaming segment: Valida Bets, a direct response to the entry into force of the regulatory framework of Law 14,790/2023 and the four ordinances of the Secretariat of Prizes and Bets that established mandatory identification procedures for all betting houses operating in Brazil. ## Valida Bets as an integral solution for the complete player cycle The Valida Bets product unifies several proprietary technologies under an architecture designed to accompany the bettor from initial registration to the moment of withdrawal. The central piece is advanced KYC with iBeta LV1 and LV2 certified facial biometrics, liveness with proprietary techniques against image injection, geolocation, OS tampering and malware detection, identification of suspicious behaviour, automated document examination and restrictive list checks. The most relevant operational difference is the data ecosystem behind it: with 99 per cent of authenticated selfies linked to verified documents and the Serasa Bureau for CPF behavioural analysis, approval rates and fraud identification capacity are significantly higher than those of providers without a Brazilian historical base. ## Aposta Ganha success case and measurable operational validation The most detailed public case for Valida Bets is the integration with Aposta Ganha, one of the largest sports betting platforms in Brazil. The implementation reported concrete numbers: with the document reuse functionality, more than 90 per cent of validations are completed in under 30 seconds, eliminating the need to submit documents in most cases. The integration with the Serasa Experian database generated a 5 per cent increase in the registration approval rate. The infrastructure covers both the registration moment and the withdrawal moment, meeting SPA regulatory requirements. Pedro Moreno, executive manager of fraud prevention at Serasa Experian, described the operation as fraud prevention expertise applied to a market that needs to be regulated in an ethical, simple and secure way. ## AML, multi-factor authentication and complete compliance for betting houses Beyond KYC, the portfolio covers the other critical dimensions of Brazilian iGaming compliance. The anti-money laundering piece is designed to identify suspicious patterns in repeated transactions, unusual deposits by origin or destination, and conduct suggesting terrorism financing or sensitive data theft. Multi-factor authentication adds security layers on player login. Complementary services include Serasa Pass for simplified digital identification, integration with Brazilian government databases (CPF, RG, CNH), and the Experian big data ecosystem for profile enrichment. For an iGaming operator under the SPA that needs a single commercial counterpart covering the entire Brazilian regulatory compliance cycle, Serasa Experian combines institutional scale, local data depth and segment-specific portfolio that few international providers manage to replicate.

Serasa Experian - Technical Sheet
HQ	Avenida das Nações Unidas, 14.401, Torre Sucupira, São Paulo, SP, CEP 04794-000, Brasil
Country	Brasil
City	São Paulo
Licenses	CNPJ 62.173.620/0001-80
Certifications	iBeta LV1 (liveness), iBeta LV2 (liveness), Compliance Lei 14.790/2023, Compliance portarias SPA
Products	Valida Bets (integral suite for iGaming Brazil), Advanced KYC with facial biometrics, Liveness with anti-image-injection techniques, Geolocation and OS/malware tampering detection, Automated document examination, Restrictive list checks (PEPs, sanctions), Anti-money laundering (AML/PLD), Serasa Bureau for CPF behavioural analysis, Serasa Pass for digital identification, Document reuse (validations under 30 seconds)
Web	https://www.serasaexperian.com.br