> ## Documentation Index > Fetch the complete documentation index at: https://v2.docs.conduit.financial/llms.txt > Use this file to discover all available pages before exploring further. # Chad > How to collect KYB documents from business customers in Chad (TCD) when onboarding through the Conduit API. ## Overview | Field | Value | | ------------ | --------------------------------- | | Region | Africa | | ISO 3166-1 | TD / TCD | | Registry | Tribunal de commerce de N'Djamena | | Last updated | 2026-05-06 | ## Identifiers Collect two identifiers from each business customer in Chad and submit them as strings on the application body. | API field | Local name | Issuer | | ------------------------------- | --------------- | ----------------------------------- | | `businessInfo.taxId` | **NIF** | DGI (Direction Générale des Impôts) | | `businessInfo.businessEntityId` | **Numéro RCCM** | Tribunal de commerce de N'Djamena | *Tax ID:* Mandatory for all commercial entities; also referred to as NIFU in government communications; issued at registration via ANIE guichet unique. *Registration number:* Format: RCCM/TD-\[city code]/\[year]/\[sequence]. Issued upon registration; appears on the extrait RCCM. ## Sector regulators `COBAC` · `BEAC` · `CIMA` · `ANIF-Tchad` ## Legal structures | Local name | Abbreviation | Description | | ------------------------------------- | ------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Société à Responsabilité Limitée | SARL | The standard closely-held limited-liability company in which each member's liability is capped at their capital contribution; minimum capital typically 100,000–1,000,000 FCFA per AUSCGIE; governed by statuts. Equivalent to a US LLC. | | Société Anonyme | SA | Share-capital corporation with a minimum capital of 10,000,000 FCFA; shares are freely transferable; governed by a Conseil d'Administration (≥3 members) or a single Directeur Général. Equivalent to a US C-Corp. | | Société par Actions Simplifiée | SAS | Flexible share-capital company introduced by OHADA AUSCGIE 2014; no statutory minimum capital; shares are freely transferable; governance and capital structure determined by statuts. Equivalent to a US C-Corp. | | Société en Nom Collectif | SNC | General commercial partnership in which all members bear unlimited joint and several liability for the firm's debts; no minimum capital; suitable for professional partnerships. Equivalent to a US General Partnership. | | Société en Commandite Simple | SCS | Mixed partnership combining commandités (general partners with unlimited liability) and commanditaires (limited partners whose liability is capped at their contribution); no minimum capital. Equivalent to a US Limited Partnership. | | Groupement d'Intérêt Économique | GIE | Economic interest group of two or more persons formed to facilitate members' own economic or social activity; an auxiliary purpose only; all members bear unlimited joint liability. Closest US equivalent: a statutory joint venture or business trust. | | Entreprenant | — | Simplified sole-trader declaration under OHADA AUSCGIE Art. 30–1 et seq.; a natural person declaring a civil, commercial, craft, or agricultural activity as a sole proprietor; no separate legal personality; subject to revenue and activity-type thresholds. Equivalent to a US Sole Proprietorship. | | Succursale / Bureau de Représentation | — | Registered branch or representative office of a foreign legal entity operating in Chad; no separate legal personality; the foreign parent entity bears full liability; must be registered in the RCCM. Equivalent to a US branch or representative office. | ## How documents combine For each evidence area, this table shows whether the listed documents are alternatives (any one of) or a bundle (all required). The artifact-by-artifact lookup follows below. | Evidence area | Documents needed | | ---------------------- | -------------------------------------------------------------------------------------- | | Legal Registration | Extrait RCCM | | Constitutive Documents | Statuts | | Tax Registration | *Any one of:* Certificat NIF · Attestation NIF | | Operating Permit | Autorisation municipale d'exercer | | Ownership Records | *Any one of:* Liste des associés · Registre des actionnaires | | Governance Records | Extrait RCCM | | Signing Authority | *Any one of:* Résolution des associés · PV d'Assemblée Générale · Procuration notariée | | Address | *Any one of:* Contrat de bail · Facture de services · Relevé bancaire | | Good Standing | Extrait RCCM | ## Documents to collect The physical documents you'll collect from your customer, with the evidence area each one proves. One document can prove multiple areas — for example, Brazil's Cartão CNPJ covers both tax and business-registration proof, so it appears once with both areas listed. | Document | Proves | | ------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Extrait RCCM** | Legal Registration, Governance Records, Good Standing | | **Statuts (notarised)** | Constitutive Documents | | **Certificat NIF** | Tax Registration | | **Attestation NIF** | Tax Registration | | **Autorisation municipale d'exercer** | Operating Permit | | **Liste des associés (SARL)** | Ownership Records | | **Registre des actionnaires (SA)** | Ownership Records | | **Résolution des associés** | Signing Authority | | **PV d'AG** | Signing Authority | | **Procuration notariée** | Signing Authority | | **Contrat de bail** | Address | | **Facture de services (≤90 jours)** | Address | | **Relevé bancaire (≤90 jours)** | Address | | **Sector-Specific License** | Agrément COBAC (banking/MFI), Agrément CIMA (insurance), BEAC — Banque des États de l'Afrique Centrale, ANIF-Tchad — Agence Nationale d'Investigation Financière | ### Collection notes * **Legal Registration:** Issued by tribunal de commerce de N'Djamena; searchable via rccm.ohada.org; confirms RCCM number, legal form, registered office, current status. * **Constitutive Documents:** SARL/SAS: notarised per AUSCGIE Art. 10. SA: notarised. Filed with RCCM at incorporation; copy retrievable from registry. * **Tax Registration:** Issued by DGI; mandatory for all commercial activity; collected via ANIE guichet unique at incorporation. * **Operating Permit:** Issued by N'Djamena mairie or relevant prefecture; required for most commercial activities at municipal level. * **Sector-Specific License:** COBAC agrément required for all credit institutions and microfinance entities (CEMAC single-licence Reg. N°01/24/CEMAC/UMAC/COBAC, eff. 2025-01-01). CIMA code applies to insurers. Collect applicable licence only. * **Ownership Records:** Equity holders listed in statuts (SARL/SAS) or in a separate share register (SA). The SARL liste des associés is typically embedded in the statuts or maintained as an internal document; the SA registre des actionnaires is a separate ledger. * **Governance Records:** Lists gérant(s) (SARL/SAS) or Conseil d'Administration members and Directeur Général (SA); current officers registered and publicly searchable. * **Signing Authority:** For entities: shareholder/associate resolution. For third-party representatives: notarised procuration (power of attorney). * **Address:** Conduit universal policy: lease (no time bound) OR utility bill OR bank statement, with utility/bank dated within 90 days. Same evidence satisfies both registered-address and operating-address checks. * **Good Standing:** No standalone good-standing certificate is issued; a recently dated copy of the listed document evidences current standing. In the OHADA/CEMAC framework, a recently dated Extrait RCCM reflects the entity's current registration status and substitutes for a standalone certificate of good standing; no separate CoGS instrument is known to exist in Chad. ## Person roles When you submit a person on the application body, set their `role` to one of Conduit's canonical `BusinessPersonRole` values. Use this table to map a local corporate-governance title onto the right canonical role. | Local role | Canonical API role | Description | | ------------------------------------- | ---------------------- | --------------------------------------------------------------------------- | | Gérant (SARL/SAS) | `LEGAL_REPRESENTATIVE` | Managing director; day-to-day operational authority; registered in RCCM. | | Directeur Général (SA) | `CONTROLLING_PERSON` | Executive officer; legal representative of SA; registered in RCCM. | | Administrateur (SA) | `CONTROLLING_PERSON` | Member of Conseil d'Administration; governance/oversight role. | | Président du Conseil d'Administration | `CONTROLLING_PERSON` | Board chair; governance role; may combine with DG functions (PCA-DG model). | | Mandataire / Procurateur | `LEGAL_REPRESENTATIVE` | Holder of notarised procuration; scope defined by instrument. | ## Notes * Chad is not a party to the Hague Apostille Convention (confirmed HCCH Status Table: 129 contracting parties as of 31-XII-2025; Chad not listed). Foreign documents require full legalisation chain via the issuing country's competent authority + Chadian embassy or consulate. * CIMA is NOT a CEMAC instrument — it is a separate 14-state treaty body (Treaty of Yaoundé, 10 July 1992; in force 15 February 1995) covering both CEMAC (6 states) and UEMOA (8 states) member states. Do not request a COBAC agrément for insurance activity; the applicable licence is the Agrément CIMA under the CIMA Code. * RCCM portal (rccm.ohada.org) provides search access but full extracts may require registration or in-person request at the N'Djamena tribunal de commerce. Verify current portal access before relying on remote retrieval. * COBAC single banking licence (Reg. N°01/24/CEMAC/UMAC/COBAC, adopted 2024-12-20, eff. 2025-01-01) changes the authorisation landscape. Banks licensed in any CEMAC state may now branch into Chad without a separate national licence; verify which COBAC authorisation document to request.