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COMPARISON

VU ONE vs Yoti: MFA at LATAM scale

Yoti leads in wallets and age but only in UK/EU. VU ONE is built for LATAM governments, banking and fintech with unmatched iBeta Level 2.

NATIVE LATAM PLATFORM

VU ONE — KEY ADVANTAGES

  • iBeta ISO/IEC 30107-3 Level 2 certification, renewed in 2025
  • Unified integrated platform (CIAM + Onboarding + MFA + Fraud Prevention)
  • Native government connection to 8 official registries
  • Flexible deployment (SaaS, On-Premise, or Hybrid)
  • Transactional fraud engine
VS
GLOBAL PLATFORM

YOTI — LIMITATIONS

  • iBeta Level 3 certification (myface)
  • Niche platform (digital ID wallet and age verification)
  • No presence or integration in LATAM.
  • Mobile-first SaaS with no on-premise option.
  • No transactional fraud engine.
TL;DR

3 differences that define the choice for LATAM

Certified biometrics

VU ONE has iBeta Level 2 (ISO/IEC 30107-3) certification, which can be presented to central banks and regulators. Yoti has iBeta Level 3 certification, but its niche is highly specific: age assurance in the UK/EU.

Regional data sovereignty

VU ONE can be deployed as SaaS, On-Premise, or Hybrid. The client chooses where its data lives. Yoti is mainly a mobile digital identity app for end users, not an enterprise B2B platform.

Platform without loose components

VU ONE is a unified platform: Onboarding + CIAM + Enterprise MFA + Transactional Fraud Prevention + AML. Yoti offers a digital ID app for individual users, not a corporate identity management platform.

VU ONE vs Yoti: Full Comparison Table

Below, we present a table with differentiators for financial services, government, and gaming companies operating in Argentina, Chile, Colombia, and Brazil.

CAPABILITY
KYC identity verification
iBeta ISO/IEC 30107-3 certification
Liveness detection
Multi-factor authentication (MFA)
Data processing in LATAM
On-premise deployment
Argentina regulation (RENAPER)
Colombia regulation (Registraduría Nacional del Estado Civil)
Brazil regulation (Receita Federal SERPRO)
Paraguay regulation (RNP)
Peru regulation (RENIEC)
Bolivia regulation (SEGIP)
Honduras regulation (RNP)
Dominican Republic regulation (JCE)
Ecuador regulation (Registro Civil)
Panama regulation (Tribunal Electoral)
Spanish/Portuguese support
Guaranteed response SLA
REST API + mobile SDKs
Base price (enterprise)
Audit & reporting dashboard
Native
Level 2 (2025)
Active + passive
Native
100% regional
Available
Native
Native
Native
Native
Native
Native
Native
Native
Native
Native
24/7 with SLA
4 h critical / 8 h standard
iOS, Android, Web
Regional quote
Native + export
Limited to its niche
Level 3, but not for KYC
Active + passive
Requires integration
EU servers only
SaaS only
Requires customization
Requires customization
Requires customization
Requires customization
Requires customization
Requires customization
Requires customization
Requires customization
Requires customization
Requires customization
Limited / English
Not published
iOS, Android, Web
Global USD (unpredictable at scale)
Not published

Quantifiable VU ONE advantage over Yoti

The following indicators reflect the operational impact of an identity verification platform built for LATAM versus a global platform adapted to the region. Biometric accuracy data corresponds to the 2025 iBeta certificate.

97%
is the score VU ONE obtains in LATAM government integration
8
biometric government registries integrated with VU ONE in LATAM
< 4h
Guaranteed critical support SLA in Spanish and Portuguese

Technical analysis by capability: CIAM, MFA, fraud prevention, and LATAM support

Yoti is a leader in Digital ID Wallets and age verification, but its niche is limited. It also operates almost exclusively in the UK and EU. Given these limitations, VU ONE becomes a natural choice for LATAM. Below, we present the technical analysis of each area for product, compliance, and technology teams evaluating both options.

KYC / Onboarding

VU ONE does not only read the document; it validates identity against the State's official source in real time. Yoti, by contrast, is a digital wallet for age verification with no connection to government registries.

VU ONE: Document validation + active and passive liveness in a single flow
Yoti: ID verification under the DIATF framework for individual users, without KYC
Differentiator: enterprise platform, not an app for the end user

Multi-factor authentication (MFA)

VU ONE offers complete enterprise MFA that integrates with the client's IT infrastructure. Yoti does not have enterprise MFA because it is an app for the end user, not an access management platform.

VU ONE: Omnichannel MFA (push, OTP, biometric), passwordless, Zero Trust, and enterprise integration with SAML2, OIDC, Radius, and Active Directory for continuous post-onboarding authentication.
Yoti: Does not offer enterprise MFA. It is a digital identity app for the end user, without integrations with SAML, OIDC, or Active Directory.
Differentiator: enterprise MFA ready for banking and government. It also covers the full cycle: onboarding, access, and continuous authentication.

Fraud prevention engine

VU ONE detects fraud during and after onboarding with a complex event processing engine and ML, while also generating AML reports for regulators. Yoti does not have a transactional fraud engine.

VU ONE: real-time CEP engine, proprietary ML, web and mobile fingerprinting, geolocation, user profiles, case management, and AML/LAFT reports for regulators.
Yoti: Digital ID Wallet and age verification, with no post-onboarding fraud detection or AML capabilities.
Differentiator: unified with CIAM and MFA, with traceability across the full cycle.

15 years in LATAM

VU ONE is based in LATAM with 15 years of local presence, support in Spanish and Portuguese, and on-premise deployment to comply with data sovereignty laws. Yoti has no presence in LATAM, no local regulatory knowledge, and no on-premise option.

VU ONE: local teams, guaranteed SLA, automatic regulatory updates.
Yoti: UK/EU support, with no integrations in LATAM.
Differentiator: for regulators and government, local presence is not optional.

When Yoti is a valid option

VU ONE is built for companies with real operations in LATAM and active regulatory requirements. If your use case does not fit these parameters, Yoti may be a valid option:

  • The market is exclusively the UK or EU, not LATAM.
  • The use case is age verification for retail, hospitality, or entertainment, such as a pub verifying legal age.
  • Regulated KYC, CIAM, enterprise MFA, or transactional fraud prevention are not required.
  • A mobile-first SaaS platform with no on-premise option is acceptable.
  • Volume is low or an initial free plan is needed.

Frequently Asked Questions

Yes. VU ONE includes Authentication Management, a complete enterprise multi-factor authentication platform. It offers omnichannel MFA, passwordless, Zero Trust, and native integration with SAML2, OIDC, Radius, and Active Directory. This covers the full user lifecycle: from initial onboarding to continuous authentication. Yoti offers digital identity applications without enterprise MFA capabilities.
Yes, and it is the standard required by LATAM financial regulators. VU ONE has iBeta Level 2 (ISO/IEC 30107-3) certification, which is the level that can be accredited before central banks, UIF, SFC, CMF, and other regional regulators. This certification guarantees antispoofing against screens, photocopies, masks, and deepfakes. Yoti has iBeta Level 3, but in a highly specific niche: age verification or age estimation for the UK/EU market. That higher level is not relevant for regulated KYC in LATAM, where the required standard is Level 2. In addition, Yoti does not have iBeta certification for document onboarding or liveness detection for financial use cases. VU ONE has the certification LATAM regulators request.
Yes. VU ONE validates identity in real time against 8 LATAM government registries: RENAPER (Argentina), RENIEC (Peru), Registraduría (Colombia), SEGIP (Bolivia), DIGERCIC (Ecuador), Paraguay, Dominican Republic, and more. This means it does not only read the document, but also performs a biometric check against the State's official source. Yoti lacks these integrations and only verifies the physical document, with no connection to LATAM registries.
Yes. VU ONE incorporates Fraud Analysis, a transactional fraud detection engine that operates in real time. It includes complex event processing (CEP), proprietary ML, web fingerprinting with 36+ parameters and mobile fingerprinting with 13+, geolocation, user profiles, case management, and AML/LAFT reporting for regulators. This makes it possible to detect fraud during and after onboarding. Platforms like Yoti do not have any transactional fraud engine.
With Yoti, a company in LATAM would need to contract 2 or 3 additional providers for regulated KYC, government registry integration, MFA, and fraud prevention. The real TCO is the sum of all of them. With VU ONE, you pay a predictable license that already includes everything. No hidden costs, no additional vendors, and native integration with State registries.
NEXT STEP

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In 30 minutes we show you VU ONE in action: biometric KYC flow, certified liveness detection and the integration or migration path from your current stack.

In 30 minutes we show you VU ONE in action: biometric KYC flow, certified liveness detection and the integration or migration path from your current stack.

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