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New National Identity Model Reduces Frauds, Unifies Civil Records, and Expands Digital Validation in Financial Transactions in the Country, According to a Survey with Millions of Authentications Analyzed Over 2025, Indicating Advancement in Brazilian Documentary Security.
The new National Identity Card (CIN) recorded 86.9% of authenticated transactions approved without indications of fraud risk in a sample of 30 million financial transactions analyzed between January and August 2025, according to a survey by Serasa Experian.
In comparison with other documents used for identity verification, the traditional ID card had 80.6% approvals without risk in the same type of validation, while the CIN was shown to be proportionally up to ten times less vulnerable to attempts of fraud than the state model.
In addition to the difference in relation to the traditional ID card, the study attributed to the CIN a level of security higher than that observed in other credentials used daily, such as the driver’s license and national identity number, when measuring the susceptibility of each document to alterations and inconsistencies.
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What Changes with the National Identity Card
Instead of maintaining state numbering, the CIN adopts a unique national number, equivalent to the CPF, as the basis for civil identification, aimed at reducing gaps opened by the multiplicity of records issued by different federal units.
The logic behind the change is to make it more difficult to obtain documents with distinct numbers in different states, a situation that has been pointed out by authorities as a factor exploited in frauds, especially in financial operations in the digital environment.
With the standardization, the country begins to work with a single model of document and security elements, reducing variations in layout and issuing standards that, in the assessment of specialists and the government itself, made the old system more heterogeneous.
Foreseen Transition and Deadline for Exchanging the Old ID Card
The replacement of the ID card by the CIN follows a gradual schedule, with the validity of the old model until February 28, 2032, allowing the exchange to occur without the immediate need for all Brazilians to replace it.
During this transition period, states remain responsible for issuing the document, but within a national standard, with integration of databases and consolidation of information sent by identification institutes to the federal government through monitoring panels.
Data published by the government already indicated tens of millions of CIN issuances, an advancement associated with the increase in digital services and the expansion of service points, although numbers may vary according to official updates and time periods.
Digital Validation, QR Code, and MRZ at the Center of Verification
One of the main bets of the new document is on electronic validation, featuring QR Code and the so-called MRZ, the machine-readable zone similar to that found in passports, which facilitates reading by systems and complicates alterations without detection.
In the verification environment, the printed QR Code can be checked by an official app, which confirms whether the code was issued by the responsible authority and allows consultation of the data contained in the document, reinforcing checks at public and private counters.
By concentrating the verification in mechanisms that combine automated reading and validation against an official database, the CIN aims to shorten the path between the presented document and the confirmation of authenticity, a sensitive point in digital registration and contracting journeys.
Additional Data and Updates by Age Group
The CIN has also been designed to gather additional information from citizens, allowing for the inclusion of other data, as stipulated in the model, which may reduce the need to carry multiple documents in different situations.
Another aspect of the document design is the requirement for renewals in cycles associated with the holder’s age, a strategy that aims to reduce the use of outdated versions and maintain the photo and data more aligned with the moment of presentation.
In practice, this updating dynamic tends to impact especially digital registrations that depend on facial verification and data consistency, as outdated images and outdated data usually increase the chance of inconsistencies in validations.
Where Risk Alerts Appear in Authentication
Even with superior performance in the survey, the study by Serasa Experian pointed out that a significant portion of the risk alerts in CIN validation is concentrated in “Facematch,” when the presented image does not match the official database.
According to the data released, Facematch accounted for 41.1% of occurrences classified as risk, a sign that biometrics, while strengthening checks, still depend on the quality of capture and compatibility with official records.
Another relevant source of alerts came from database verification, responsible for 36.3% of risk cases, in situations of inconsistency in the personal data provided during authentication, such as discrepancies in registration fields.
By detailing these sources of risk, the survey reinforces that the document’s security does not depend solely on the paper or design but also on how systems and users execute the validation journey, from data entry to image capture.
Unique Number and Impact on Fraud Combat
The Ministry of Justice and Public Security argues that the previous model favored gaps because one citizen could hold different ID numbers issued by different states, which increased the fraud surface in both physical and digital contexts.
In January 2025, when addressing the issue, the ministry directly associated this possibility with crimes, especially in the financial field, describing that issuance in various states with different numbers was exploited for illicit practices.
The change to a unique national number, aligned with the CPF, seeks to close this gap while also standardizing security elements and accelerating digital verification, with the expectation of reducing losses related to fraud in registrations and transactions.
With the CIN gaining scale and electronic validation becoming more common in banks, fintechs, and digital services, the challenge now is to balance security and user experience without increasing undue refusals: which sectors will adapt their systems to this new standard more quickly?
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