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Core banking with SUDEBAN and BCV compliance. Infrastructure for banks, credit unions, exchange houses and ITFBs in Venezuela.

The Alodiga platform was designed for the Venezuelan market: multi-currency operations, local payment rails and prevention controls aligned with SUDEBAN and BCV regulations.

Book a demo See the regulatory framework

How Alodiga takes part

Alodiga is a technology provider: it does not take deposits from the public or provide financial services on its own account. Your institution remains the obliged entity before SUDEBAN and the BCV; the platform gives it the controls, records and reports those rules require.

Regulators and authorities

SUDEBAN
Regulates and supervises banks, exchange houses and banking-sector financial technology institutions (ITFBs).
BCV
Monetary authority: payment systems, pago móvil, interest rates and fees, and the foreign exchange regime.
UNIF
National Financial Intelligence Unit: receives suspicious activity reports.
SUNACOOP
National Superintendency of Cooperatives: supervises cooperatives, including savings and credit cooperatives.
SUNACRIP
Registration and prior authorization of digital asset services.

Regulations the platform helps you comply with

Summary of the framework that applies to the services the platform enables. Each module page details the regulations that affect it.

  • Venezuela

    Decree with Rank, Value and Force of Law on Banking Sector Institutions (G.O. Ext. No. 6.154 of 11/19/2014)

    Banking secrecy, outsourcing of technology services and SUDEBAN supervision.

  • Venezuela

    SUDEBAN, Resolution No. 001.21: Rules governing financial technology services (G.O. No. 42.151, reprinted in G.O. No. 42.162)

    Prior authorization of financial technology institutions (ITF) and bank partnerships with Fintech providers.

  • Venezuela

    SUDEBAN, Resolution No. 010.25 (G.O. No. 43.098 of 03/31/2025)

    Management and oversight of the risks of money laundering, terrorist financing and proliferation of weapons of mass destruction (LC/FT/FPADM).

  • Venezuela

    Organic Law against Organized Crime and Terrorist Financing (LOCDOFT)

    Duty of prevention, customer due diligence, record keeping and suspicious activity reporting.

  • Venezuela

    SUDEBAN, Resolution No. 641.10: Rules governing the use of electronic banking services

    Security, authentication, availability and traceability of electronic channels.

  • Venezuela

    SUDEBAN prudential rules on integrated risk management and protection of financial services users

    Operational and technology risk, business continuity, transparency and complaint handling.

  • Venezuela

    Law of the Central Bank of Venezuela and BCV regulations on payment systems and the exchange regime (Exchange Agreement No. 1)

    Interbank payments, mobile payment (pago móvil), foreign currency transactions and authorized exchange houses.

  • Venezuela

    BCV resolutions on interest rates and fees

    Limits on lending and deposit rates and on fees applicable to credit and savings products.

  • Venezuela

    Constitution of the Bolivarian Republic of Venezuela (arts. 28, 48 and 60)

    Habeas data, secrecy of communications and limits on the use of information technology to protect privacy.

  • Venezuela

    Case law of the Constitutional Chamber of the TSJ on personal data (ruling of August 4, 2011)

    Principles of consent, purpose, quality, time limitation, accuracy and security in data processing.

  • Venezuela

    Decree-Law on Data Messages and Electronic Signatures (SUSCERTE)

    Legal validity of electronic contracts, documents and signatures.

  • Venezuela

    Special Law against Computer Crimes

    Unauthorized access, sabotage, computer espionage, electronic fraud and misuse of cards.

  • Venezuela

    Constituent Decree on the Comprehensive Crypto-Asset System (G.O. No. 41.575) and SUNACRIP regulations

    Registration and prior authorization of services involving digital assets.

General information on the applicable framework, reviewed against public sources in October 2026. It is not legal advice: confirm the validity of each regulation with your legal team.

Local payment rails

  • Interbank pago móvilImmediate person-to-person transfers and merchant payments, identifying the recipient by phone number, ID number and bank.
  • Interbank transfersTransfers between banks, including the immediate modalities enabled by the BCV, reconciled in the ledger.
  • Acquiring and card acceptanceDebit and credit card payments at points of sale, on the merchant's phone (SoftPOS) and with QR codes.
  • Foreign currency operationsForeign currency accounts and operations, and exchange activity under the BCV foreign exchange regime (Exchange Agreement No. 1).

Who it is for

  • Banks

    Phased core modernization, digital channels under your brand and built-in AML/CFT compliance.

  • Savings and credit cooperatives

    Community core with savings, credit and remote service, designed for smaller-scale operations.

  • Exchange houses

    Multi-currency operations, a record of every exchange transaction and know-your-customer controls.

  • ITFBs and fintechs

    Wallet, payments and phone acceptance on a platform documented for the SUDEBAN application.

  • Payment processors

    Acquiring, reconciliation and fraud prevention for merchant networks.

Which modules apply and how

  • Cloud-native core banking

    AloCore Banking

    Multi-currency accounts in bolívares and foreign currency, real-time accounting and rate and fee parameters configurable according to BCV resolutions.

  • RegTech and onboarding

    AloCompliance

    KYC and KYB, list screening and transaction monitoring in line with SUDEBAN Resolution No. 010.25, with suspicious activity report management for the UNIF.

  • Real-time monitoring and risk scoring

    AntiFraude AI

    Fraud detection on pago móvil, transfers and cards, with alerts reviewed by your team.

  • Unified acquiring

    AloPay Acquiring

    Multi-channel acquiring with automatic reconciliation and security controls for card data.

  • SoftPOS: the phone as a payment terminal, no card reader

    Punto Digital

    Payment acceptance on the merchant's phone, aligned with PCI MPoC, to grow the network without dedicated terminals.

  • AloWallet · digital wallet under your brand

    White-label Wallet

    Wallet under your brand for pago móvil, QR and balances, with authentication in line with Resolution No. 641.10.

  • Interoperability

    AloConnect Middleware

    Connects your current core with new channels and partners without switching it off, with audit logs for every integration.

  • Community banking

    Community Banking

    Operations for cooperatives and community institutions on the same platform.

Related guides

Let's talk about your institution in Venezuela

We will show you the platform with your products, your rails and the controls SUDEBAN requires.

Book a demo Message us on WhatsApp

What happens next

  1. We contact you through the channel you prefer.
  2. Demo with a solutions architect, focused on your current systems.
  3. Phased proposal: which module first, why, and what result to expect.

Or directly: info@alodiga.com · +1 305 815 4862