[{"data":1,"prerenderedAt":453},["ShallowReactive",2],{"en/blog/the-end-of-videoident-in-germany":3,"MarkdownRendererNuxt_mkwH668Vz8":428,"MarkdownRendererNuxt_8hAWMn934N":437,"MarkdownRendererNuxt_1GlzAJ8YYR":445},{"content":4,"full_slug":424,"id":425,"name":16,"path":47,"published_at":426,"uuid":427},{"_uid":5,"meta":6,"test":20,"title":16,"content":38,"ogImage":293,"category":297,"component":298,"questions":299,"writtenBy":356,"reviewedBy":11,"categoryTag":392,"readingTime":420,"factCheckedBy":11,"publishedDate":421,"faqDescription":11,"breadcrumbTitle":11,"customQuestions":422,"thumbnailDescription":423},"6c616fbf-00c8-495a-a295-3d6e686c83e0",[7],{"_uid":8,"image":9,"title":16,"noIndex":15,"noFollow":15,"component":17,"metaTitle":18,"description":19},"105039d7-1b00-4e57-a90e-1b39b5703c81",{"id":10,"alt":11,"name":11,"focus":11,"title":11,"source":11,"filename":12,"copyright":11,"fieldtype":13,"meta_data":14,"is_external_url":15},17884283,"","https://a.storyblok.com/f/283194/1920x1080/14d0d14f7a/vestlane-meta-image.jpg","asset",{},false,"The End of VideoIdent in Germany?","MetaSettings","The End of VideoIdent in Germany? DIdG & AMLR | Vestlane","Germany's Digital Identity Act could end VideoIdent for fund onboarding: QES without reference transfer, EUDI Wallet, and what AMLR 2027 means for GPs.",{"tbody":21,"thead":31,"fieldtype":37},[22],{"_uid":23,"body":24,"component":30},"c4530f5b-cd07-44c7-ac78-e7c3f59ba9c8",[25,28],{"_uid":26,"value":11,"component":27},"b7992875-d107-4b5b-b053-640835bf7ce6","_table_col",{"_uid":29,"value":11,"component":27},"6b8e310a-8cf1-42d2-b9c9-a0885b12f810","_table_row",[32,35],{"_uid":33,"value":11,"component":34},"b7cf3823-07a7-4104-bde3-b1f2e8d63679","_table_head",{"_uid":36,"value":11,"component":34},"376eabb0-2f6e-4c67-840c-7dc763ac2724","table",[39],{"_uid":40,"content":41,"component":292},"3cd4c580-9a0b-4fd6-b352-5579f0a7a7e0",{"type":42,"content":43},"doc",[44,59,64,69,71,78,93,120,125,130,135,140,141,146,171,208,213,214,219,224,237,242,243,248,253,258,266,291],{"type":45,"attrs":46,"content":48},"paragraph",{"textAlign":47},null,[49,52,57],{"text":50,"type":51},"Maybe 10 July is becoming ","text",{"text":53,"type":51,"marks":54},"the",[55],{"type":56},"italic",{"text":58,"type":51}," date in the AML calendar. It's not only the day the EU's Anti-Money Laundering Regulation (AMLR) will start applying next year, in 2027, but also today, the Bundesrat weighs in on Germany's Digital Identity Act (DIdG). The law still has to pass the Bundestag, but if it does as drafted, it could remove the main legal obstacle to fully automated investor identification in Germany.",{"type":45,"attrs":60,"content":61},{"textAlign":47},[62],{"text":63,"type":51},"If you've ever guided an LP through a German fund onboarding, you know where the friction lives. The subscription documents are done. KYC is done. And then VideoIdent: a video session with a call center agent, waiting times, and sometimes a rejection over an allegedly blurry ID card or poor internet connection. For some investors, this is the step where patience runs out.",{"type":45,"attrs":65,"content":66},{"textAlign":47},[67],{"text":68,"type":51},"It might not be around much longer.",{"type":70},"horizontal_rule",{"type":72,"attrs":73,"content":75},"heading",{"level":74,"textAlign":47},2,[76],{"text":77,"type":51},"Why VideoIdent is Currently Germany's Default",{"type":45,"attrs":79,"content":80},{"textAlign":47},[81,83,91],{"text":82,"type":51},"Germany's Money Laundering Act (”GwG”) lists the ",{"text":84,"type":51,"marks":85},"permitted methods",[86],{"type":87,"attrs":88},"link",{"href":89,"uuid":47,"anchor":47,"target":47,"linktype":90},"https://www.gesetze-im-internet.de/gwg_2017/__12.html","url",{"text":92,"type":51}," for verifying investor identity: physical ID documents, the German eID, qualified electronic signatures (”QES”), and a few others. VideoIdent is not on that list.",{"type":45,"attrs":94,"content":95},{"textAlign":47},[96,98,104,106,112,114,118],{"text":97,"type":51},"Instead, it operates through a side door: a ",{"text":99,"type":51,"marks":100},"BaFin circular from 2017",[101],{"type":87,"attrs":102},{"href":103,"uuid":47,"anchor":47,"target":47,"linktype":90},"https://www.bafin.de/SharedDocs/Veroeffentlichungen/DE/Rundschreiben/2017/rs_1703_gw_videoident.html",{"text":105,"type":51}," that accepted live video sessions as an equivalent to in-person document verification, provided a trained agent conducts the session, checks security features in real time, and records the entire call. It works, but it is an administrative workaround, not a statutory right. Even BaFin, when it ",{"text":107,"type":51,"marks":108},"reviewed",[109],{"type":87,"attrs":110},{"href":111,"uuid":47,"anchor":47,"target":47,"linktype":90},"https://www.bafin.de/SharedDocs/Veroeffentlichungen/DE/Auslegungsentscheidung/A/ae_videoident_rs_3_2017.html",{"text":113,"type":51}," the procedure in 2022, described VideoIdent as a ",{"text":115,"type":51,"marks":116},"Brückentechnologie",[117],{"type":56},{"text":119,"type":51}," (a bridging technology) pending wider adoption of digital identification methods.",{"type":45,"attrs":121,"content":122},{"textAlign":47},[123],{"text":124,"type":51},"The cleaner alternative already exists in the law: a QES is an explicitly permitted identification method. The problem is that using it currently requires a simultaneous bank transfer from the investor's account, which undermines its utility, adding an extra administrative step that limited adoption in practice. The result is a market that defaults to VideoIdent almost by convention.",{"type":45,"attrs":126,"content":127},{"textAlign":47},[128],{"text":129,"type":51},"Germany is notably strict on this compared to peer jurisdictions. Luxembourg and others already accept eIDAS-compliant electronic identification without an equivalent bank transfer requirement.",{"type":45,"attrs":131,"content":132},{"textAlign":47},[133],{"text":134,"type":51},"The same LP who completes identification in minutes for a Luxembourg vehicle is asked to schedule a video call for the German equivalent. Same investor. Same regulatory goal. Completely different experience.",{"type":45,"attrs":136,"content":137},{"textAlign":47},[138],{"text":139,"type":51},"For managers running cross-border structures, this is not an abstract difference. It shows up in delayed closings, extra coordination overhead, and international LPs wondering why Germany works differently from everywhere else.",{"type":70},{"type":72,"attrs":142,"content":143},{"level":74,"textAlign":47},[144],{"text":145,"type":51},"What the DIdG Proposes to Change",{"type":45,"attrs":147,"content":148},{"textAlign":47},[149,151,157,159,163,165,169],{"text":150,"type":51},"Germany's Cabinet passed the ",{"text":152,"type":51,"marks":153},"Digital Identity Act",[154],{"type":87,"attrs":155},{"href":156,"uuid":47,"anchor":47,"target":47,"linktype":90},"https://bmds.bund.de/fileadmin/BMDS/Dokumente/Gesetzesvorhaben/DIdG_Kabinettfassung_06_barrierefrei.pdf",{"text":158,"type":51}," (",{"text":160,"type":51,"marks":161},"Digitales-Identitätengesetz",[162],{"type":56},{"text":164,"type":51}," - DIdG - formally: ",{"text":166,"type":51,"marks":167},"Entwurf eines Gesetzes über die Europäische Brieftasche für die Digitale Identität sowie zur Änderung anderer Rechtsvorschriften",[168],{"type":56},{"text":170,"type":51},") on 20 May 2026. It still needs to clear parliament (expected around Q3 2026) but if it passes as drafted, two things change for fund managers.",{"type":172,"content":173},"bullet_list",[174,201],{"type":175,"content":176},"list_item",[177,188],{"type":45,"attrs":178,"content":179},{"textAlign":47},[180,182,186],{"text":181,"type":51},"The key change for private funds is the removal of the ",{"text":183,"type":51,"marks":184},"Referenzüberweisung",[185],{"type":56},{"text":187,"type":51}," — the mandatory penny transfer that currently makes QES-based identification conditional on a reference bank transaction.",{"type":45,"attrs":189,"content":190},{"textAlign":47},[191,193,199],{"text":192,"type":51},"The DIdG would remove that requirement. Its explanatory memorandum points to ",{"text":194,"type":51,"marks":195},"AMLR",[196],{"type":87,"attrs":197},{"href":198,"uuid":47,"anchor":47,"target":47,"linktype":90},"https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng",{"text":200,"type":51},", the EU's Anti-Money Laundering Regulation, applicable from July 2027, which has already clarified that QES alone as sufficient. Germany would simply be applying that logic early.",{"type":175,"content":202},[203],{"type":45,"attrs":204,"content":205},{"textAlign":47},[206],{"text":207,"type":51},"The DIdG also proposes to add the EUDI Wallet as an explicitly permitted identification method under §12 GwG, opening a further path as the European Digital Identity framework rolls out across Member States.",{"type":45,"attrs":209,"content":210},{"textAlign":47},[211],{"text":212,"type":51},"None of this is law yet. The Bundesrat is expected to give its statement on 10 July 2026. But if it passes as drafted, the picture for German fund onboarding changes considerably, looking a lot more like the rest of Europe. How BaFin and supervisory authorities implement the change in practice will matter, but the statutory direction is clear.",{"type":70},{"type":72,"attrs":215,"content":216},{"level":74,"textAlign":47},[217],{"text":218,"type":51},"The Bigger Picture: AMLR and Where the EU Is Heading",{"type":45,"attrs":220,"content":221},{"textAlign":47},[222],{"text":223,"type":51},"The DIdG does not exist in isolation. It is part of a broader regulatory shift that will affect AML identification across all EU Member States when AMLR takes effect in July 2027.",{"type":45,"attrs":225,"content":226},{"textAlign":47},[227,229,235],{"text":228,"type":51},"AMLR recognises two routes for verifying identity remotely: document-based verification, the category VideoIdent falls under, and eIDAS-compliant electronic identification (including QES and, once available, the EUDI Wallet). The draft RTS on customer due diligence under Article 28(1) AMLR establishes a clear hierarchy between the two: eIDAS-compliant identification is the primary method, and document-based remote verification is only permissible where such a solution is not available or cannot reasonably be expected to be provided. ",{"text":230,"type":51,"marks":231},"Leading German counsel",[232],{"type":87,"attrs":233},{"href":234,"uuid":47,"anchor":47,"target":47,"linktype":90},"https://www.twobirds.com/en/insights/2026/germany/videoident-nur-noch-als-fallback-die-eba-setzt-auf-eidas",{"text":236,"type":51}," already expect the conditions for that fallback to be met only rarely in practice, as eIDAS-compliant procedures become widely available.",{"type":45,"attrs":238,"content":239},{"textAlign":47},[240],{"text":241,"type":51},"What Germany is moving toward with the DIdG is, in other words, where the entire EU appears to be heading anyway. Fund managers who adapt early may find themselves better positioned, not just for today's onboarding, but for the compliance environment taking shape by 2027.",{"type":70},{"type":72,"attrs":244,"content":245},{"level":74,"textAlign":47},[246],{"text":247,"type":51},"How Vestlane Supports You Today",{"type":45,"attrs":249,"content":250},{"textAlign":47},[251],{"text":252,"type":51},"Vestlane already supports QES via automated identity verification (aka RoboIdent, AutoIdent, AI-Ident, Selfie-Ident and the like), enabling fund managers to run compliant onboarding workflows without a human-to-human session today, but a human-to-machine interaction ahead of the DIdG entering into force.",{"type":45,"attrs":254,"content":255},{"textAlign":47},[256],{"text":257,"type":51},"If you want to see how it works in practice, we're happy to walk you through it.",{"type":45,"attrs":259,"content":260},{"textAlign":47},[261,263,265],{"text":262,"type":51},"Ready to remove VideoIdent from your onboarding? ",{"type":264},"hard_break",{"type":264},{"type":267,"attrs":268},"blok",{"id":269,"body":270},"0ff68628-d61d-4091-ba9d-37c5996b6e8b",[271],{"_uid":272,"buttons":273,"component":290,"isCentered":15,"hasPaddings":15,"areButtonsFullWidth":15},"i-809fd4de-faf2-4945-8dd0-db6ae4cb1a4b",[274],{"_uid":275,"href":276,"size":285,"color":286,"popup":287,"title":288,"isBold":284,"leftIcon":11,"component":289,"rightIcon":11},"f941a947-2a73-43c5-aace-8edb91545254",{"id":277,"url":11,"linktype":278,"fieldtype":279,"cached_url":280,"story":281},"98f10612-f2c7-4e5a-afa8-cd5b8ab05618","story","multilink","contact-us",{"name":282,"id":283,"uuid":277,"slug":280,"url":280,"full_slug":280,"_stopResolving":284},"Contact Us",484705502,true,"large","dark-green",[],"Book a Demo","button","ButtonRowSection",{"type":70},"richtext-component",{"id":294,"alt":11,"name":11,"focus":11,"title":11,"source":11,"filename":295,"copyright":11,"fieldtype":13,"meta_data":296,"is_private":15,"is_external_url":15},16195267,"https://a.storyblok.com/f/283194/2150x1080/e43824e888/untitled-design-2.png",{},[],"BlogPage",[300,322,339],{"name":301,"created_at":302,"published_at":303,"updated_at":304,"id":305,"uuid":306,"content":307,"slug":311,"full_slug":312,"sort_by_date":47,"position":313,"tag_list":314,"is_startpage":15,"parent_id":315,"meta_data":47,"group_id":316,"first_published_at":303,"release_id":47,"lang":317,"path":47,"alternates":318,"default_full_slug":312,"translated_slugs":319,"_stopResolving":284},"Is VideoIdent being banned in Germany?","2026-07-09T15:03:31.905Z","2026-07-09T15:03:51.068Z","2026-07-09T15:03:51.082Z",196279549583801,"045ba490-b4e3-4b8f-b16f-08b486dceb96",{"_uid":308,"title":301,"answer":309,"component":310},"7cc88731-363c-417a-9c5d-920963e0686b","No. VideoIdent is not being formally banned, but its practical relevance is set to shrink significantly. Germany's draft Digital Identity Act (DIdG) would make QES-based identification usable without a reference bank transfer, and under AMLR from July 2027, eIDAS-compliant identification becomes the primary method - with document-based remote verification like VideoIdent reduced to a narrow fallback.","Question","is-videoident-being-banned-in-germany","faq/blog/is-videoident-being-banned-in-germany",-370,[],514296283,"fafd4920-91d6-4057-bbac-d951ae1bc6b9","default",[],[320],{"path":312,"name":47,"lang":321,"published":47},"de",{"name":323,"created_at":324,"published_at":325,"updated_at":326,"id":327,"uuid":328,"content":329,"slug":331,"full_slug":332,"sort_by_date":47,"position":333,"tag_list":334,"is_startpage":15,"parent_id":315,"meta_data":47,"group_id":335,"first_published_at":325,"release_id":47,"lang":317,"path":47,"alternates":336,"default_full_slug":332,"translated_slugs":337,"_stopResolving":284},"What does the DIdG change for fund onboarding?","2026-07-09T15:04:16.704Z","2026-07-09T15:04:30.544Z","2026-07-09T15:04:30.555Z",196279733080484,"a08fe790-6f34-475d-b6d6-4d221666c107",{"_uid":308,"title":323,"answer":330,"component":310},"The DIdG removes the mandatory reference transfer (Referenzüberweisung) that currently makes QES-based investor identification impractical, and adds the EUDI Wallet as a permitted identification method under §12 GwG. If passed as drafted, fund managers could identify investors in Germany fully digitally - without a live video session with an agent.","what-does-the-didg-change-for-fund-onboarding","faq/blog/what-does-the-didg-change-for-fund-onboarding",-360,[],"f365a442-6ca1-4b68-9a13-919a73635d16",[],[338],{"path":332,"name":47,"lang":321,"published":47},{"name":340,"created_at":341,"published_at":342,"updated_at":343,"id":344,"uuid":345,"content":346,"slug":348,"full_slug":349,"sort_by_date":47,"position":350,"tag_list":351,"is_startpage":15,"parent_id":315,"meta_data":47,"group_id":352,"first_published_at":342,"release_id":47,"lang":317,"path":47,"alternates":353,"default_full_slug":349,"translated_slugs":354,"_stopResolving":284},"When does the AMLR apply?","2026-07-09T15:04:45.608Z","2026-07-09T15:05:01.507Z","2026-07-09T15:05:01.519Z",196279851469385,"d19c5852-7244-4f8e-a9d9-ccae179d7975",{"_uid":308,"title":340,"answer":347,"component":310},"The EU Anti-Money Laundering Regulation (AMLR) applies from 10 July 2027. From then on, eIDAS-compliant electronic identification (such as QES and the EUDI Wallet) becomes the primary method for remote identity verification across all EU Member States, while document-based methods like VideoIdent are only permitted where an eIDAS solution is not reasonably available.","when-does-the-amlr-apply","faq/blog/when-does-the-amlr-apply",-350,[],"903ba949-1ae8-42e7-9f4d-ec6d88c7ddde",[],[355],{"path":349,"name":47,"lang":321,"published":47},{"name":357,"created_at":358,"published_at":359,"updated_at":360,"id":361,"uuid":362,"content":363,"slug":382,"full_slug":383,"sort_by_date":47,"position":384,"tag_list":385,"is_startpage":15,"parent_id":386,"meta_data":47,"group_id":387,"first_published_at":388,"release_id":47,"lang":317,"path":47,"alternates":389,"default_full_slug":383,"translated_slugs":390,"_stopResolving":284},"Ivo Schmiedt","2024-04-23T15:45:35.346Z","2024-10-29T15:02:03.461Z","2024-10-29T15:02:03.524Z",482610311,"f6e545f4-02e9-424e-a629-66a7d44b600e",{"_uid":364,"name":357,"socials":365,"baseImage":372,"component":380,"description":381},"fa3efca5-1695-45d7-9f76-b57da56a05ff",[366],{"_uid":367,"icon":368,"link":369,"component":371},"d25f0440-c066-4577-9273-0c9ac4bf830d","ic-linkedin",{"id":11,"url":370,"linktype":90,"fieldtype":279,"cached_url":370},"https://www.linkedin.com/in/ivo-schmiedt-16002858/","social-link",[373],{"alt":357,"src":374,"_uid":378,"component":379},{"id":375,"alt":11,"name":11,"focus":11,"title":11,"source":11,"filename":376,"copyright":11,"fieldtype":13,"meta_data":377,"is_private":15,"is_external_url":15},16613924,"https://a.storyblok.com/f/283194/750x750/551abf8602/ivo.jpg",{},"946bcaee-06e1-4a64-8efd-22cc9c7a497c","base-image","AuthorPage","Ivo Schmiedt, Co-Founder of Vestlane, is the CPO and General Counsel. 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