JPKI and the My Number Card: How Japan's Public-Key Identity Verification Works

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Review evidence: 3,056 posts in March 2026; 671 shared March 14, 2026; preceding six-month median 13.5. Reviewed August 9, 2026.

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Japan is spearheading a significant experiment in government-backed digital identity through the implementation of the Japanese Public Key Infrastructure (JPKI), which utilizes cryptographic certificates stored on the IC chip of the My Number card to verify identities online. Since January 2026, JPKI has been available for remote identity verification, and by April 2027, chip-based verification will be mandatory for remote account openings at banks and financial institutions, outlawing the use of photo or photocopy submissions for ID verification. This shift aims to overcome the limitations of document-photo eKYC, such as susceptibility to forgery, by requiring the physical presence of the chip and the use of biometric matching. Didit, a global provider, already aligns with Japan's regulatory changes by offering NFC chip reading and biometric face matching. This move is part of Japan's broader effort to modernize its Anti-Money Laundering and Counter-Terrorism Financing (AML/CFT) framework in alignment with international standards, with implications for compliance teams needing to adapt to these changes by the 2027 deadline.

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