> ## 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. # Gambia > How to collect KYB documents from business customers in Gambia (GMB) when onboarding through the Conduit API. ## Overview | Field | Value | | ------------ | ------------------------- | | Region | Africa | | ISO 3166-1 | GM / GMB | | Registry | Companies Department, MoJ | | Last updated | 2026-05-06 | ## Identifiers Collect two identifiers from each business customer in Gambia and submit them as strings on the application body. | API field | Local name | Issuer | | ------------------------------- | ----------------------- | ------------------------------ | | `businessInfo.taxId` | **TIN** | GRA (Gambia Revenue Authority) | | `businessInfo.businessEntityId` | **Registration Number** | Companies Department, MoJ | *Tax ID:* 10-digit numeric; issued by GRA; must be obtained before Companies Department registration. *Registration number:* Assigned on issuance of Certificate of Registration; published in the Gazette. ## Sector regulators `CBG` · `FIU Gambia` ## Legal structures | Local name | Abbreviation | Description | | --------------------------------- | ------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Private Company Limited by Shares | Ltd | Closely-held company; minimum 1 shareholder and 1 director; liability limited to share capital; shares are not freely transferable to the public. The common SME incorporation vehicle in Gambia. Equivalent to a US LLC. | | Public Limited Liability Company | PLC | Share-capital company that may offer shares to the public; subject to higher disclosure and governance requirements under the Companies Act 2013. Closest US equivalent: C-Corp. | | Company Limited by Guarantee | — | No share capital; members' liability limited to a guaranteed amount; used for non-profits, charities, and member associations. Equivalent to a US Nonprofit Corporation. | | General Partnership | — | Two or more partners carrying on business together; all partners bear unlimited joint and several liability. Equivalent to a US General Partnership. | | Limited Partnership | LP | At least one general partner with unlimited liability and one or more limited partners whose liability is capped at their capital contribution. Equivalent to a US Limited Partnership. | | Sole Proprietorship | — | Single natural person trading under their own name or a registered business name; no separate legal entity; unlimited personal liability. Equivalent to a US Sole Proprietorship. | | Cooperative Society | — | Member-owned entity governed on a one-member-one-vote basis; common in agriculture, credit, and trade sectors in Gambia. Closest US equivalent: Cooperative. | | External Company (Branch) | — | Foreign company operating in Gambia through a registered branch; requires a local registered agent and power of attorney filed with the Companies Department. Closest US equivalent: 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 | Certificate of Registration | | Constitutive Documents | Memorandum and Articles of Association | | Tax Registration | TIN Certificate | | Operating Permit | Municipal Trade License | | Ownership Records | Register of Members | | Governance Records | Register of Directors | | Signing Authority | *Any one of:* Board Resolution · Power of Attorney | | Address | *Any one of:* Lease Agreement · Utility Bill · Bank Statement | ## 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 | | ------------------------------------------ | ----------------------------- | | **Certificate of Registration** | Legal Registration | | **Memorandum and Articles of Association** | Constitutive Documents | | **TIN Certificate** | Tax Registration | | **Municipal Trade License** | Operating Permit | | **Register of Members** | Ownership Records | | **Register of Directors** | Governance Records | | **Board Resolution** | Signing Authority | | **Power of Attorney** | Signing Authority | | **Lease Agreement** | Address | | **Utility Bill (≤90 days old)** | Address | | **Bank Statement (≤90 days old)** | Address | | **Sector-Specific License** | CBG License (sector-specific) | **Not applicable in Gambia:** Good Standing. Skip these areas — no local artifact exists. ### Collection notes * **Legal Registration:** Issued by Companies Department, MoJ, on approval of Memorandum & Articles; notice published in the Gazette. * **Constitutive Documents:** Single paired document prepared by a legal practitioner; filed with Companies Dept. under Companies Act 2013. * **Tax Registration:** Issued by GRA under Income and Value Added Tax Act 2012 s.221; prerequisite to company registration. * **Operating Permit:** Issued annually by Banjul City Council or Kanifing Municipal Council; standard fee D5,000. * **Sector-Specific License:** CBG licenses banks and mobile money operators under Banking Act 2009 + Central Bank Act 2018 s.71; insurance companies and microfinance under Insurance Act 2003 + Insurance Regulations 2005. * **Ownership Records:** Maintained by the company under Companies Act 2013. * **Governance Records:** Companies Act 2013 requires each company to maintain a register of directors; filed with Companies Dept. * **Signing Authority:** Board resolution required for domestic signatories; notarized power of attorney appointing a resident agent required for foreign companies. * **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. ## 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 | | ------------------------------- | ---------------------- | -------------------------------------------------------------------- | | Director | `CONTROLLING_PERSON` | Min. 1 required; any nationality; day-to-day management authority. | | Authorized Signatory / Attorney | `LEGAL_REPRESENTATIVE` | Holder of board resolution or power of attorney binding the company. | ## Notes * Gambia is NOT OHADA — English common law applies; do not map roles to OHADA entity types. * Gambia is not a party to the Hague Apostille Convention (confirmed HCCH status table, 2026-05-06); foreign documents require full legalisation via embassy chain. * The registered office must be a physical street address in The Gambia; P.O. boxes are not accepted.