{"id":10317,"date":"2025-08-06T17:38:18","date_gmt":"2025-08-06T15:38:18","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/kyc\/"},"modified":"2026-01-21T12:45:21","modified_gmt":"2026-01-21T11:45:21","slug":"kyc","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/pt-pt\/glossario\/kyc\/","title":{"rendered":"KYC"},"content":{"rendered":"

<\/span>O que \u00e9 o KYC?<\/strong><\/span><\/h2>\n

KYC<\/strong> (Know Your Customer ou Conhece o Teu Cliente) \u00e9 o processo utilizado para verificar a identidade dos clientes, permitindo-lhes aceder a determinados servi\u00e7os ou produtos.
Envolve a recolha, an\u00e1lise e atualiza\u00e7\u00e3o cont\u00ednua da informa\u00e7\u00e3o do cliente para garantir o cumprimento legal.<\/p>\n

Os principais objetivos de um processo KYC s\u00e3o:<\/p>\n

    \n
  • \n

    Estabelecer a identidade do cliente.<\/p>\n<\/li>\n

  • \n

    Compreender a natureza das atividades do cliente para garantir a sua legitimidade.<\/p>\n<\/li>\n

  • \n

    Avaliar os riscos de branqueamento de capitais associados ao cliente.<\/p>\n<\/li>\n<\/ul>\n

    <\/span>Como funciona o KYC?<\/strong><\/span><\/h2>\n

    O processo de KYC faz parte dos controlos exigidos pela regulamenta\u00e7\u00e3o de preven\u00e7\u00e3o de branqueamento de capitais e financiamento do terrorismo (AML)<\/strong>. Este controlo inclui os seguintes passos:<\/p>\n

      \n
    • \n

      Verifica\u00e7\u00e3o de documentos de identidade e outros dados pessoais.<\/p>\n<\/li>\n

    • \n

      Confirma\u00e7\u00e3o da titularidade real da conta ou neg\u00f3cio.<\/p>\n<\/li>\n

    • \n

      An\u00e1lise de escrituras p\u00fablicas e documenta\u00e7\u00e3o relevante.<\/p>\n<\/li>\n<\/ul>\n

      Ap\u00f3s a an\u00e1lise, a entidade atribui ao cliente um n\u00edvel de risco de branqueamento de capitais<\/strong>, que determinar\u00e1 a intensidade dos controlos aplic\u00e1veis \u00e0 sua atividade. Clientes de alto risco estar\u00e3o sujeitos a medidas mais rigorosas, enquanto clientes de baixo risco ter\u00e3o um acompanhamento mais padr\u00e3o.<\/p>\n","protected":false},"excerpt":{"rendered":"

      O que \u00e9 o KYC?
      \nKYC (Know Your Customer \/ Conhece o Teu Cliente) \u00e9 o processo utilizado para verificar a identidade dos clientes para lhes permitir o acesso a determinados servi\u00e7os ou produtos.<\/p>\n","protected":false},"featured_media":9384,"template":"","meta":{"_acf_changed":false},"class_list":["post-10317","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nKYC - PaynoPain<\/title>\n<meta name=\"description\" content=\"Descobre em que consiste o KYC (Know Your Customer), como funciona e qual \u00e9 a sua import\u00e2ncia na luta contra a fraude.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/kyc\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KYC - PaynoPain\" \/>\n<meta property=\"og:description\" content=\"Descobre em que consiste o KYC (Know Your Customer), como funciona e qual \u00e9 a sua import\u00e2ncia na luta contra a fraude.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/paynopain.com\/pt-pt\/glossario\/kyc\/\" \/>\n<meta property=\"og:site_name\" content=\"PaynoPain\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-21T11:45:21+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tempo estimado de leitura\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/pt-pt\\\/glossario\\\/kyc\\\/\",\"url\":\"https:\\\/\\\/paynopain.com\\\/pt-pt\\\/glossario\\\/kyc\\\/\",\"name\":\"KYC - 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