CVU

CVU (Clave Virtual Uniforme) is the identifier the BCRA established in 2019 for virtual accounts operated by PSPs (Payment Service Providers) like Mercado Pago, Ualá, Brubank, or Naranja X. It has exactly the same length and structure as CBU — 22 digits in two blocks with modulo 10 check digits — but points to accounts outside the traditional banking rails. Practical differences with CBU: - **CBU**: accounts at commercial banks (Galicia, Santander, Macro, etc.). - **CVU**: accounts at wallets and fintechs regulated by the BCRA. For the payer, transfers work identically: enter the recipient's CBU or CVU, money arrives in minutes. For a developer integrating payments, both identifiers require the same format validation — the algorithm doesn't distinguish between them. Normadata validates CVU with the same logic as CBU: length, charset, and both check digits via modulo 10. The distinction between CBU and CVU lives in the range of bank prefixes assigned to each PSP, not in the algorithm.