> ## 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. # Estonia > How to collect KYB documents from business customers in Estonia (EST) when onboarding through the Conduit API. ## Overview | Field | Value | | ------------ | ------------------- | | Region | Europe | | ISO 3166-1 | EE / EST | | Registry | RIK / e-Äriregister | | Last updated | 2026-05-06 | ## Identifiers Collect two identifiers from each business customer in Estonia and submit them as strings on the application body. | API field | Local name | Issuer | | ------------------------------- | ---------------- | ------------------- | | `businessInfo.taxId` | **KMKR** | EMTA | | `businessInfo.businessEntityId` | **Registrikood** | RIK / e-Äriregister | *Tax ID:* Format: "EE" + 9 digits (e.g., EE100207415). Mandatory VAT registration when turnover exceeds €40,000; voluntary registration available. Since 2025-08-07 EMTA requires demonstrable economic nexus to Estonia for new KMKR registrations. *Registration number:* 8-digit number (format NNNNNNNN; leading digit indicates entity type — "1" = commercial entity). Assigned at incorporation; appears on all registry extracts. ## Sector regulators `Finantsinspektsioon` · `Rahapesu Andmebüroo` · `Eesti Pank` · `TTJA` ## Legal structures | Local name | Abbreviation | Description | | ----------------------------- | ------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Osaühing | OÜ | Private limited company with minimum share capital €0.01 per shareholder (since 2023 Commercial Code reform); shares not publicly traded. Equivalent to a US LLC. | | Aktsiaselts | AS | Joint-stock company with minimum share capital €25,000; shares registered with the Estonian Central Register of Securities; mandatory supervisory board. Equivalent to a US C-Corp. | | Täisühing | TÜ | General partnership with two or more partners each bearing unlimited joint liability for partnership obligations. Equivalent to a US General Partnership. | | Usaldusühing | UÜ | Limited partnership with at least one general partner bearing unlimited liability and at least one limited partner liable only to the extent of contribution. Equivalent to a US Limited Partnership. | | Füüsilisest isikust ettevõtja | FIE | Sole proprietor; a natural person conducting business under their own name, registered in e-Äriregister, with unlimited personal liability and no separate legal personality. Equivalent to a US Sole Proprietorship. | | Tulundusühistu | TÜH | Commercial cooperative established to serve the shared economic interests of members; member-owned, governed on one-member-one-vote basis, with profits distributed or reinvested; registered in e-Äriregister. Equivalent to a US Cooperative. | | Mittetulundusühing | MTÜ | Non-profit association with non-commercial purpose, membership-based, unable to distribute profits to members; registered in the non-profit associations and foundations register (RIK). Equivalent to a US Nonprofit Corporation (501(c)(3)). | | Sihtasutus | SA | Foundation with assets dedicated to a specific purpose by a founder; no members, governed by a board, unable to distribute assets for private benefit; registered in the non-profit associations and foundations register (RIK). Equivalent to a US Nonprofit Foundation. | | Välisettevõtja filiaal | — | Branch of a foreign company; not a separate legal entity; parent company bears full liability; registered in e-Äriregister with a required local contact person. Equivalent to a US Branch/Rep 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 | Äriregistri väljavõte | | Constitutive Documents | Põhikiri | | Tax Registration | KMKR tõend | | Ownership Records | *Any one of:* Osanike nimekiri · Aktsiaraamat | | Governance Records | Äriregistri väljavõte | | Signing Authority | *Any one of:* Juhatuse otsus · Volikiri | | Address | *Any one of:* Üürileping · Kommunaalmaksete arve · Pangakonto väljavõte | | Good Standing | Äriregistri väljavõte | ## 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 | | --------------------------------------------------- | ---------------------------------------------------------------- | | **Äriregistri väljavõte (e-Äriregister extract)** | Legal Registration, Governance Records, Good Standing | | **Põhikiri (Articles of Association)** | Constitutive Documents | | **KMKR tõend (VAT registration certificate, EMTA)** | Tax Registration | | **Osanike nimekiri (OÜ — members' register)** | Ownership Records | | **Aktsiaraamat (AS — share register)** | Ownership Records | | **Juhatuse otsus (board resolution)** | Signing Authority | | **Volikiri (notarised power of attorney)** | Signing Authority | | **Üürileping** | Address | | **Kommunaalmaksete arve (≤90 päeva)** | Address | | **Pangakonto väljavõte (≤90 päeva)** | Address | | **Sector-Specific License** | FI tegevusluba (FSA licence), RAB tegevusluba (FIU VASP licence) | **Not applicable in Estonia:** Operating Permit. Skip these areas — no local artifact exists. ### Collection notes * **Legal Registration:** Downloadable PDF from ariregister.rik.ee; includes registrikood, address, management board, share capital. * **Constitutive Documents:** Filed with and retrievable from e-Äriregister; single document for OÜ and AS. * **Tax Registration:** Issued via EMTA e-services portal (emta.ee); confirms KMKR number and start date. If company is not VAT-registered, use EMTA confirmation of registrikood instead. * **Sector-Specific License:** Required for: credit institutions, payment/e-money institutions, investment firms, insurance, fund managers, crowdfunding, crypto-asset service providers. * **Governance Records:** Management board (juhatus) members are publicly listed in registry extract; supervisory board (nõukogu) mandatory for AS, optional for OÜ. * **Signing Authority:** Board resolution sufficient for routine account-opening; notarized volikiri for statutory or real-property acts. For e-resident companies with foreign-resident boards, resolution signed via digital ID is legally equivalent. * **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:** Estonia's e-Äriregister issues timestamped väljavõte that reflect current active/inactive status in real time; no separate Certificate of Good Standing document is issued. A recently dated väljavõte under business\_registration satisfies this requirement. ## 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 | | ----------------------------------------- | ---------------------- | ------------------------------------------------------------------------------------------------------------------------------------ | | Juhatuse liige (management board member) | `CONTROLLING_PERSON` | Executive officer with day-to-day management authority; legally represents company. | | Juhatuse esimees (management board chair) | `CONTROLLING_PERSON` | Chair of management board; same legal authority as juhatuse liige. | | Nõukogu liige (supervisory board member) | `CONTROLLING_PERSON` | Supervisory governance role; mandatory for AS, optional for OÜ; no day-to-day management authority. | | Prokurist (procurist) | `LEGAL_REPRESENTATIVE` | Holder of prokura — statutory commercial POA registered in e-Äriregister; broad signing authority short of alienating real property. | ## Additional fields Country-specific fields you'll need to collect during onboarding, beyond the document uploads. | Field | Applies to | Reason | | ------------------------------------------------------------------------- | ---------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `Contact person in Estonia (name + registry-authorised provider details)` | founder | Required under Commercial Code if management board has no Estonian/EU-resident member; must be a notary, advocate, sworn auditor, or licensed trust-and-company service provider. | ## Notes * E-resident OÜs dominate Estonia's registry. A large share of OÜs have entirely foreign-resident management boards and shareholders. The registered address is frequently a virtual-office service provider — always collect separate proof of actual operating address, which may be in another country entirely. * No minimum share capital enforcement gap. OÜs formed since 2023-02-01 can have €0.01 share capital. However, shareholders of OÜs with share capital below €2,500 are personally liable for bankruptcy trustee fees up to €2,500 total (Bankruptcy Act § 29(91)). Flag this for credit-risk purposes. * VASP licensing transition. Crypto-asset service providers operating under pre-MiCA FIU (RAB) VASP licences must reapply to Finantsinspektsioon by 2026-07-01; existing RAB licences become invalid after that date with no automatic conversion. Treat RAB VASP licence as time-limited. * AMLR 2024/1624 is pending but not yet in force. Directly applicable from 2027-07-10. Until then, the current MLTFPA threshold of more than 25% remains operative; the shift to 25% or more under AMLR takes effect on that date with no Estonian legislative action required.