Clave Única
Chile's government-issued digital-identity credential, used by some fintech lenders to speed up identity verification.
Clave Única is Chile's unified digital-identity credential, issued to citizens and residents aged 14 and over who hold a valid RUT, giving single sign-on access to a large share of the Chilean state's online services. It is obtained in person at ChileAtiende offices or the civil registry, with fingerprint verification, or increasingly through remote enrollment options.
Because Clave Única already ties a verified identity to a specific RUT, some Chilean fintech lenders offer it as an optional sign-in shortcut during loan applications, letting an applicant confirm identity without separately uploading and photographing an ID document. It does not replace the other standard requirements — a Chilean bank account and proof of income are still generally needed regardless of how identity was verified.