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This guide serves as a compliance and regulatory verification reference (KYB / KYC / AML-CFT) for the onboarding of Luo customers across West and Central Africa.
All countries are listed on a single page below, one above the other: scroll down to the country you’re interested in. For each country, you’ll find the five document categories (identification, registration, ownership structure, proof of address, and proof of funds) along with accepted documents, methods of acquisition, deadlines, and costs.
Geographic Scope
UMOA/ECOWAS Zone: Ivory Coast, Benin, Togo, Burkina Faso, Mali, Senegal, Niger, Gambia
CEMAC / Central Africa Region: Cameroon, Congo-Brazzaville, Democratic Republic of the Congo
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Proof of identity - Nationality - Citizenship
| Field | Details |
|---|---|
| Accepted Documents | • National ID Card (CNI) |
| • Resident Card | |
| • Consular Card | |
| • Passport | |
| • National ID Card from UEMOA member countries | |
| Method of Acquisition | ONECI - Consulate - Embassy |
| Processing Times | Varies depending on the issuing authority and the type of document |
| Cost | Varies (depending on the type of document) |
The document that verifies or confirms that a company is properly registered
| Field | Details |
|---|---|
| Accepted Documents | RCCM (Commercial and Personal Property Credit Registry) |
| How to Obtain | CEPICI (Center for the Promotion of Investment in CĂ´te d'Ivoire) One-Stop Shop for Business Formalities at the time of incorporation; up-to-date RCCM extract from the Abidjan Commercial Court Registry or online |
| Timeframes | Initial registration: 24 to 72 hours (the One-Stop Shop’s “company in 24 hours” procedure). Up-to-date RCCM extract: 24 to 48 hours |
| Cost | Registration: approximately 40,000 to 65,000 FCFA depending on the legal form and capital (court fees and administrative costs). Standard RCCM extract: approximately 5,000 to 10,000 FCFA (estimated amounts; to be confirmed with CEPICI/the Registry) |
Any document showing a company’s shareholder structure / The breakdown of ownership percentages held by ultimate individual shareholders (at least 25%)
| Field | Details |
|---|---|
| Accepted Documents | • DFE |
| • Articles of Incorporation | |
| • Shareholder Register | |
| • Share Purchase Certificate | |
| • FIBE (Beneficial Owner Identification Form issued by the DGI or the Commercial Court) | |
| Method of Acquisition | DFE: issued by the General Tax Directorate (DGI) upon tax registration, via the CEPICI One-Stop Shop. Articles of Incorporation: drawn up at the time of incorporation (by a notary or as a private document), kept on file with the RCCM Registry and by the company. Shareholder register and share purchase certificate: internal documents maintained by the company itself (or its registrar). FIBE: to be filed by the company with the Commercial Court Registry (register of beneficial owners) |
| Timeframes | DFE: issued at the same time as registration (24 to 72 hours). Articles of Incorporation and Shareholder Register: immediately available (already held by the company). FIBE: filing processed within a few business days by the Registry |
| Cost | DFE: Free (included in the registration fees). Articles of Incorporation: variable drafting/notary fees, often 50,000 to 150,000 FCFA. FIBE: Fees not determined |
This is the document that confirms the exact and current location of the company (and/or the manager(s))
| Field | Details |
|---|---|
| Accepted Documents | • Certificate of residence (for the manager(s)) |
| • Lease agreement | |
| • SODECI or CIE bill, or other utility bills. | |
| Method of Acquisition | Certificate of Residence: Issued by the City Hall (or Subprefecture) of the manager’s place of residence. Lease agreement: drawn up with the landlord or real estate agency, then registered with the DGI. SODECI (water) / CIE (electricity) bill: obtained through the customer portal or the subscriber’s local SODECI/CIE office |
| Timeframes | Certificate of residence: 24 to 48 hours at City Hall. SODECI/CIE bill: immediate (document already in the subscriber’s possession; billed monthly) |
| Cost | Certificate of residence: 2,000 FCFA (stamp duty). SODECI/CIE bill: no additional cost (estimated amounts, to be confirmed) |