Minimum viable stack for a SOFIPO in 2026.
The technical blueprint of the SOFIPOs that are actually scaling: stack by layer, reference costs, in-house vs outsourcing comparison and 12-month implementation roadmap. Built for general managers, compliance officers and CTOs who need to bring a defensible technical proposal to the board.
The 6 mandatory layers of the regulated stack for a viable SOFIPO.
The document breaks down each layer with owners, vendor options, selection criteria, cost ranges and regulatory dependencies. Essential for building a technology roadmap that can withstand a CNBV visit.
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Layer 01
Digital onboarding and KYC
Biometrics, document verification, restricted lists, signed file.
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Layer 02
Financial core
Products, NIF accounting, reconciliation, general ledger and closes.
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Layer 03
AML/CFT compliance
Transactional monitoring with scoring, actionable alerts, live case files.
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Layer 04
Regulatory reporting
UIF (ROU/ROP/ROIP) and CNBV (R01, R04, R10) reports automated from the live portfolio.
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Layer 05
Intelligence and data
Credit scoring, regulatory dashboards and non-performing prediction.
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Layer 06
Customer service
AI agents, omnichannel and self-service on top of the unified file.
18-page PDF with the full blueprint.
- The 6 mandatory layers of the regulated stack
- Comparison table with 50+ tech vendors (KYC, AML, core, scoring)
- Who does what: in-house vs outsourced by layer
- Realistic cost estimates and timelines
- 12-month implementation roadmap
Prefer a personalized diagnostic? DTX Audit.
A 45-minute session with a senior consultant. We map the stack you already have (or the options you are evaluating), identify regulatory gaps and deliver an executive report with a 90-day plan. The report stays with you, whether or not you engage us.