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Financial technology transformation · Mexico

We modernize financial institutions to operate, comply, and scale.

We don't advise. We build the complete technology framework that SOFOMs, SOFIPOs, and IFPEs need to operate under current regulations and grow.

Request free DTX Audit™ View services

Free 45-min assessment · No commitments · CDMX · MTY · GDL

0
SOFOMs in Mexico, most without specialized systems
DTX™
Dramatically reduces compliance time
Apr 2026
FATF evaluation + Fintech Law 2.0 — is your institution ready?
The Problem

Mexico's financial system has
a silent technology crisis.

Regulated institutions face a convergence of pressures that law firms and generic software cannot solve.

most
SOFOMs operate with Excel or non-specialized systems
Most lack the infrastructure to meet new regulatory requirements.
thousands
of USD per year in manual compliance per institution
Many fintechs invest heavily in manual processes that can be significantly automated.
+2 years
is how long IFPE authorization can take
According to public CNBV data, the process extends significantly. With the right technology architecture from the start, the timeline is reduced considerably.
Apr
2026
FATF evaluation and Fintech Law 2.0 simultaneously
Institutions that don't modernize their compliance infrastructure face sanctions and license revocation.
DTX™ Methodology

Seven services. One framework.
Measurable results.

Each service is a module of the DTX™ Methodology — designed to take a financial institution from any starting point to full operation and regulatory compliance.

01
For: Incorporating a new SOFOM / SOFIPO / IFPE
DTX Launch™
Complete technology architecture, operational workflows, CNBV manuals, AML/KYC setup from scratch, and documentation ready to submit to the regulator.
→
02
For: Compliance automation in an existing institution
DTX Compliance Engine™
AI-powered automation of ROU/ROP reports, intelligent transaction monitoring, digital KYC onboarding in minutes, and CNBV, UIF, SAT integration.
→
03
For: Scaling to the next regulatory level
DTX Scale™
SPEI connection, BIN sponsor for card issuance, onboarding at scale, AI credit scoring, and multi-product architecture.
→
04
For: Institutions with legacy systems or manual processes
DTX Upgrade™
Legacy system migration, manual process redesign, preparation for Fintech Law 2.0 and the FATF 2026 evaluation.
→
05
For: Any institution needing an external tech-strategic team
DTX Retainer™
External CTO/COO specialized in regulated financial institutions in Mexico. Real-time regulatory monitoring, direct CEO advisory, vendor management, and authority response.
→
06
For: Any institution that wants to know its current state
DTX Audit™
Free 45-minute technology and regulatory assessment. Full evaluation of your institution's current state with deliverable: Regulatory Maturity Report at no cost or commitment.
→
07
For: Institutions that need data-driven decision making
DTX Intelligence™
Advanced analytics and data intelligence for regulated financial institutions. Executive dashboards, AI credit scoring, portfolio monitoring, and predictive analysis.
→
How we work

Five phases. From diagnosis
to full operation.

The same structured process applies across all services — with the detail and depth each institution requires.

01
Diagnosis

Full evaluation of current state + executive report + 90-day roadmap. Free entry via DTX Audit™.

02
Framework Design

Technology architecture, operational workflows, and regulatory structure custom-designed for the institution.

03
Implementation

Systems, automation, regulator integrations, and CNBV documentation. We build, we don't deliver slide decks.

04
Training

Training for the operations, compliance, and executive teams. The institution becomes self-sufficient in daily operations.

05
Retainer

Ongoing monthly support. Regulatory monitoring, updates for CNBV/UIF changes, and strategic advisory.

Who is Innova Black® for?

Three profiles. One goal:
operating with regulatory strength.

Profile A — Launch

You want to incorporate a new SOFOM, SOFIPO, or IFPE.

You have the business model. You have the capital. But you don't know how to structure the technology to obtain authorization and operate from day one.

  • Entrepreneurs and funds with a validated fintech model
  • Families or business groups looking to offer credit
  • Companies wanting to incorporate their own financing SOFOM
Recommended service: DTX Launch™
Profile B — Comply

Your institution exists but is not ready for the new regulation.

You operate with Excel, generic systems, or manual processes. Fintech Law 2.0 and the April 2026 FATF evaluation create real uncertainty for you.

  • Existing SOFOMs with 3–10 years of operation
  • Institutions that have already received CNBV observations
  • Fintechs that grew fast and have technology debt
Recommended services: DTX Upgrade™ + DTX Compliance Engine™
Profile C — Scale

You have authorization and want to grow to the next level.

You want SPEI connection, card issuance, product expansion, or you're preparing a Series A/B investment round.

  • Authorized IFPEs looking to expand services
  • Fintechs in the process of raising institutional capital
  • Institutions that want SPEI or BIN sponsor
Recommended service: DTX Scale™
"

Specialists in designing and implementing the technology framework for regulated financial institutions — we don't advise, we build.

Innova Black® · Market positioning

0
fintechs operating in Mexico, fast-growing market
cloud
migration trend among mid-size financial firms (CNBV)
5
regulated entity types served: SOFOM · SOFIPO · IFPE · IFC · Bank
Our Technology

World-class artificial intelligence

Our technology runs on Anthropic, the AI platform trusted by the world's most demanding financial institutions. You get the results — we handle the technology.

Document Analysis
Your entire regulatory file, reviewed in minutes. No human errors, no oversights.
Agile Development
Implementations that used to take months, ready in weeks. Your institution moves faster.
Compliance Assistant
A copilot that reviews files, generates reports, and monitors operations 24/7.
Continuous Monitoring
Permanent oversight of your operations. When regulations change, you know first.
DTX Audit™

Is your institution ready to operate, comply, and scale?

Schedule a free 45-minute assessment. We analyze your technology and regulatory situation, and deliver a Regulatory Maturity Report with identified risk areas.

Request free DTX Audit™

No cost · No commitment · 45-min assessment · Deliverable: Regulatory Maturity Report