> ## 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. # Ecuador > How to collect KYB documents from business customers in Ecuador (ECU) when onboarding through the Conduit API. ## Overview | Field | Value | | ------------ | ---------------------------------------------------------------------------------------------------------- | | Region | Latin America | | ISO 3166-1 | EC / ECU | | Registry | [SCVS (Superintendencia de Compañías, Valores y Seguros) + SRI (tax authority)](https://www.gob.ec/scvs-0) | | Last updated | 2026-05-13 | ## Identifiers Collect two identifiers from each business customer in Ecuador and submit them as strings on the application body. | API field | Local name | Issuer | | ------------------------------- | ----------------------------------------- | --------------------------------------------------------- | | `businessInfo.taxId` | **RUC** | SRI (Servicio de Rentas Internas) | | `businessInfo.businessEntityId` | **Número de Expediente / Inscripción RM** | Superintendencia de Compañías (SCVS) + Registro Mercantil | *Tax ID:* 13-digit Registro Único de Contribuyentes for legal entities. *Registration number:* Expediente number with SCVS plus the local Registro Mercantil inscription. ## Sector regulators `SCVS` · `SB` ## Legal structures | Local name | Abbreviation | Description | | ------------------------------------ | --------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | Compañía de Responsabilidad Limitada | Cía. Ltda. | Closely-held company with quota-based capital; partners' liability is limited to their contributions. Up to 15 partners; the standard SME vehicle in Ecuador. Equivalent to a US LLC. | | Sociedad Anónima | S.A. | Share-capital corporation with freely transferable registered shares and separate legal personality; no cap on shareholders. Closest US equivalent: C-Corp. | | Sociedad por Acciones Simplificada | S.A.S. | Simplified share-capital company introduced in 2020; can be formed by one or more shareholders via private instrument with reduced formalities. Share-based, not quota-based. Closest US equivalent: C-Corp. | | Compañía en Nombre Colectivo | C.N.C. | General partnership in which all partners trade under a collective name and bear unlimited, joint and several liability for company obligations. Closest US equivalent: General Partnership (GP). | | Compañía en Comandita Simple | C. en C. | Limited partnership with one or more general partners (unlimited liability) and one or more limited partners (liability capped at contribution); capital represented by non-transferable participations. Closest US equivalent: Limited Partnership (LP). | | Compañía en Comandita por Acciones | C. en C. por A. | Limited partnership whose limited-partner capital is divided into freely transferable shares; general partners retain unlimited liability. Closest US equivalent: Limited Partnership (LP). | | Compañía de Economía Mixta | — | Public-private hybrid company in which the State (central government, municipalities, or public entities) holds equity alongside private shareholders; governed by the Ley de Compañías. No direct US equivalent; closest analogy is a Public Benefit Corporation. | | Sucursal de Compañía Extranjera | — | Branch of a foreign legal entity domiciled in Ecuador under SCVS authorization; not a separate legal person — the parent company bears full liability. Closest US equivalent: Foreign Branch/Rep Office. | | Persona Natural | — | Individual trading under their own name; no separate legal entity. Those exceeding SRI income/asset thresholds must maintain double-entry books. Regulated by the Código de Comercio and SRI. Equivalent to a US Sole Proprietorship. | ## 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 | *All required:* Resolución Aprobatoria + Inscripción RM + Publicación en Prensa | | Constitutive Documents | *All required:* Escritura Pública + Estatutos | | Tax Registration | RUC | | Operating Permit | Permiso Municipal de Funcionamiento | | Ownership Records | *Any one of:* Escritura Pública · Libro de Acciones | | Governance Records | *All required:* Escritura Pública + Nombramiento del Rep. Legal | | Signing Authority | *All required:* Nombramiento del Rep. Legal + Acta de Junta General | | Address | *Any one of:* Contrato de Arrendamiento · Planilla de Servicios Básicos · Estado de Cuenta Bancario | | Good Standing | Certificado de Cumplimiento de Obligaciones | ## 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 | | ----------------------------------------------------- | ------------------------------------------------------------- | | **Resolución Aprobatoria (SCVS)** | Legal Registration | | **Inscripción RM** | Legal Registration | | **Publicación en Prensa** | Legal Registration | | **Escritura Pública de Constitución o Reforma** | Constitutive Documents, Ownership Records, Governance Records | | **Estatutos** | Constitutive Documents | | **RUC (SRI)** | Tax Registration | | **Permiso Municipal de Funcionamiento** | Operating Permit | | **Libro de Acciones / Nómina de Socios** | Ownership Records | | **Nombramiento del Rep. Legal** | Governance Records, Signing Authority | | **Acta de Junta General** | Signing Authority | | **Contrato de Arrendamiento** | Address | | **Planilla de Servicios Básicos (≤90 días)** | Address | | **Estado de Cuenta Bancario (≤90 días)** | Address | | **Certificado de Cumplimiento de Obligaciones (CCO)** | Good Standing | | **Sector-Specific License** | SCVS, SB | ### Collection notes * **Ownership Records:** The Anexo APS filing was superseded by REBEFICS as the SRI's corporate-composition reporting mechanism. * **Address:** 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:** Electronic certificate issued by the SCVS (Superintendencia de Compañías, Valores y Seguros) confirming the company is current on its statutory obligations. Downloadable from supercias.gob.ec; issued with current date. Banks typically require issuance within 30 days. ## 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 | | ------------------- | ---------------------- | ----------------------------- | | Gerente General | `LEGAL_REPRESENTATIVE` | Legal representative and CEO. | | Presidente | `CONTROLLING_PERSON` | Board chair. | | Representante Legal | `LEGAL_REPRESENTATIVE` | Legal representative. | ## Notes * Both SCVS approval and newspaper publication are required formation steps.