(H1): Online gambling: regulated through AJ licenses (Bolivia)

In Bolivia, any activity with a cash rate and a random outcome in digital channels (web/mobile applications, OTT, etc.) is allowed only with the permission of the regulator - Autoridad de Fiscalización y Control Social del Juego (AJ). The base is Ley del Juego (2010) and by-laws AJ. Below is a practical guide for operators and their providers.

What applies to "online gambling activity"

Online casinos (slots, live-casino, instant games).

Online sports betting/eSports.

Online bingo/lotteries.

Promo draws with the element of chance (promociones) on the Internet.

💡 Any digital product with a "bet → random outcome → win/prize" falls under the control of AJ.

Types of permissions (general)

1. Online casino/betting operator - a key license to provide gambling services on the network.

2. Online bingo/lotteries - separate permits with circulation/prize fund regulations.

3. Promotions (online) - notification/authorization procedure for the duration of the campaign.

The exact names and license codes are determined by the current AJ regulations.

License applicant requirements

Legal and Corporate

Registered legal entity, disclosure of beneficiaries (UBO), origin of funds.

No tax/court debt.

Contracts with key counterparties (platforms, PSP, content providers, sert laboratories).

Technical

Platform: architecture documentation, software version control, fault tolerance plan, SLA.

RNG/RTP: certificates from recognized laboratories; for live games - audited procedures.

Monitoring: session/transaction logs, incident log, API/channel for AJ uploads.

Information base: data encryption, access differentiation, pentest/VA reports, response plan.

Compliance and player protection

e-CUS/age 18 +. Step-by-step verification, re-verification before payment.

AML/KYT. Threshold reports, monitoring, sanctions/RAP checks, compliance officer.

RG. Self-exclusion, deposit/time/loss limits, timeouts, visible warnings 18 +.

Advertising and Communications

Marketing policy: prohibition of appeals to minors, honest T&C, control of affiliates.

Creative templates with RG labeling and without "promises of easy income."

Document package (example)

Application and receipts for payment of fees.

Constituent documents, UBO structure, financial statements.

Technical dossier: architecture, description of games, providers, RNG/RTP certificates, DR/BCP plan.

Politicians: RG, AML/KYT, KYC, data protection, advertising/sponsorship, complaint handling.

Contracts with PSPs, content providers and cert labs.

Reporting procedures and integration with AJ (download formats/frequencies).

💡 The list and file formats are specified by the current AJ regulations and may be updated.

Licensing process (step-by-step)

1. Pre-audit: gap analysis of AJ requirements, laboratory and PSP selection.

2. Certification: receiving/updating RNG/RTP, safety reports.

3. Application: complete set + payment of fees.

4. AJ assessment: legal, financial and technical expertise; requests for clarification.

5. Test Report/Pilot (if applicable): Integration Check, Reporting, RG/AML.

6. Resolution and registration: issuance of permission, assignment of registry attributes.

7. Launch: start of operations within the issued volume (channels, games, geography).

8. Renewal/changes: submission of updates, logging of software versions and game list.

The timing and rates depend on the type of resolution and completeness of the dossier.

Technical Standards and Reporting

RNG/RTP: valid certificates for each version of games/engine.

Game/Transaction logs: integral logs with retention according to AJ regulations.

Antifraud: device-fingerprinting, velocity-rules, behavioral models.

Online monitoring: AJ upload channels (daily/monthly GGR reports, bonuses, jackpots, complaints).

Jackpots: rules of seed funds and accruals, transparency of payments.

Payments - Methods and Controls

Methods: bank cards/transfers, local wallets, cash through partners (if allowed), crypto payments - only with strict AML/KYT and in a permitted configuration.

KYT: risk profiles, limits, anomaly monitoring, suspicious transaction reports.

Payouts: Repeated e-KYC, funds traceability, timing and payout channels at T & C.

KPI of payments: deposit success ≥ 90%, median TTFD ≤ 60 seconds, average commission ≤ 1.5% (benchmarks).

Advertising, Sponsorship, Affiliates

Marking 18 + and RG warnings are required.

Prohibited: misleading promises of "easy income," targeting minors/vulnerable.

Affiliates: contracts, white list of domains/creatives, traffic audit, sanctions for violations.

Sponsorship of sports/events - with explicit labeling and compliance with codes.

Inspections and sanctions

Scheduled/unscheduled AJ checks: licenses, logs, KYC/AML/KYT cascade, advertising, RG mechanics, software versions.

Sanctions: warning → fine → suspension → revocation of permission; confiscation of equipment for illegal immigrants, blocking and payment firewall.

Aggravating factors: repetition, minors, intervention in software/payments.

Common mistakes and how to avoid them

Launch the promo draw online without permission → always notify AJ and publish the regulations.

Upgrade the game client without registering a version → keep a registry of versions and store certificates.

Weak e-KYC before → payment implement rechecking and selective manual review.

Odd bonuses/creatives → transparent T&C, whitelist wording, preliminary legal check.

KPIs and Benchmarks (example)

Direction	Landmark 2026	Landmark 2028	Benchmark 2030
------------------------------------	------------:	------------:	------------:
Share of players with active RG limits	≥ 20%	≥ 25%	≥ 30%
Support Response Time (P95)	≤ 3 min	≤ 2 min	≤ 1 min
Timeliness of AJ reporting	100%	100%	100%
The proportion of complaints resolved ≤ 10 slaves. days	≥ 90%	≥ 93%	≥ 95%
Platform Upame	≥ 99,3%	≥ 99,5%	≥ 99,7%
Fraud chargebacks (from deposits)	≤ 0,6%	≤ 0,4%	≤ 0,3%

Values - landmarks; AJ may set different requirements.

Check sheets

Before applying

Gap analysis for AJ requirements, elimination plan.

Certification laboratory contract, current RNG/RTP certificates.

RG/AML/KYT/KYC policies, compliance officer appointed.

Architecture, DR/BCP, information base/penetration test reports.

Contracts with PSPs and content providers.

Before launch

Approved T&C, bonus policy, complaints procedure.

AJ reporting uploads, event logs, backups are configured.

Included geofilters, e-KYC, RG limits, self-exclusion log.

Domain/creative whitelists for affiliates, templates with 18 + and RG.

In operations

Daily/monthly reports without delays.

Registration of software versions/games, seals and configuration changes.

Periodic audit of bonuses/advertising, control of affiliates.

Monitoring test alerts (fraud, availability, data).

Mini-FAQ

Do I need a separate online license if offline?

Yes I did. Offline permission does not give the right to work in digital channels.

Is it possible to accept cryptocurrency?

Only within the framework of the permitted AJ model and strict AML/KYT, with full traceability and risk limits.

Are foreign servers allowed?

AJ may require localization of critical data/logs and access for inspections; Align architecture prior to launch.

Is cross-border proposal allowed?

Geofilters are mandatory. Serving foreign players - only if it fits into the conditions of the permit and the local laws of their countries.

In Bolivia, online gambling is legal only through AJ licenses. The key to sustainable work is impeccable compliance: certified RNG/RTP, e-KYC and strict AML/KYT, transparent T&C and advertising with RG-marking, stable reporting and readiness for inspections. This model protects the player, reduces the share of the "gray" market and creates a predictable environment for long-term investment.