Fayda is Ethiopia’s foundational ID. Banks and MFIs must link all accounts by March 30, 2026. VeriFayda 2 on EthSwitch rails strengthens liveness, consent, and auditability. This guide summarizes secure linkage, risk tiers, and controls.
ፋይዳ የኢትዮጵያ መሠረታዊ መታወቂያ ነው። እስከ መጋቢት 30፣ 2026 ሁሉም አካውንቶች ከፋይዳ ጋር መያያዝ አለባቸው። VeriFayda 2 የህይወት ማረጋገጫን እና ኦዲትን ያጠናክራል።
Sources: National ID Program (id.gov.et); EthSwitch eKYC protocols.
1) Identity proofing. Capture Fayda FIN and verify against the National ID Registry; perform liveness, document checks, and consent logging via VeriFayda 2.
2) Risk tiers. Apply graduated KYC: basic wallets with caps; full-bank products after address, income, and PEP/AML screening. Enforce one-person-one-ID through duplicate detection.
3) Security controls. Encrypt at rest and in transit; use device fingerprinting and velocity rules; require dual-control overrides for high-risk changes; maintain immutable audit logs.
4) Customer experience. Publish step-by-step linkage on web/app/USSD; provide OTP alternatives for accessibility; offer branch fallback with queue management.
1) ማረጋገጫ. የፋይዳ FIN ይያዙ እና ከመዝገብ ጋር ያረጋግጡ፤ በVeriFayda 2 ህይወት ምልክት፣ ሰነድ ምርመራ እና ስምምነት መመዝገብ ያካሂዱ።
2) የአደጋ ደረጃዎች. የመሰረታዊ ዋሌት ገደብ ጋር፣ ሙሉ የባንክ ምርቶች ከአድራሻ/ገቢ/PEP/AML ምርመራ በኋላ፤ የተደጋጋሚ መለያ መለያየት ይፈጽሙ።
3) የደህንነት መንገዶች. በማህደር እና በመላክ ኢንክሪፕሽን ይጠቀሙ፤ የመሣሪያ ፊንገርፕሪንት እና የፍጥነት መመሪያዎች ያግኙ፤ ለከፍተኛ አደጋ ለውጦች ድዩአል-ኮንትሮል ይፈልጉ፤ የኦዲት መዝገብ ያቆዩ።
4) የደንበኞች ተሞክሮ. የመያያዝ ደረጃ-በ-ደረጃ መመሪያ በድረ-ገጽ/መተግበሪያ/USSD ይታተመ፤ ለOTP አማራጮች ይስጡ፤ የቅርንጫፍ ማስተናገድ እና የመስቀል አስተዳደር ይዘጋጁ።
— National ID Program (id.gov.et): Technical and Policy Notes.
— EthSwitch: eKYC and VeriFayda 2 integration guides.
— NBE: Consumer-protection and data-security circulars for eKYC.