> ## Documentation Index
> Fetch the complete documentation index at: https://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.


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