Payment rails and processing to operate at high volume.
SPEI connectivity, card issuance, AI credit scoring and multi-product architecture. DTX Scale takes authorized financial institutions from basic compliance to high-volume operations — in 4 to 8 months.
Many financial institutions in Mexico obtain authorization but stall when scaling. The challenges are not legal — they are technological: connecting to SPEI, negotiating a BIN sponsor for card issuance, implementing onboarding at scale and building credit scoring that minimizes portfolio risk.
DTX Scale solves these challenges. We design and implement multi-product architecture that supports lending, savings, payments and transfers on a single platform — with the technical infrastructure to satisfy Banxico, CNBV and payment processor requirements. We do not deliver PDFs or strategic plans: we build the infrastructure.
Everything you need to operate at scale.
- 01
SPEI integration
Connection to Banxico's Interbank Electronic Payment System — direct or as an indirect participant. Includes automated reconciliation, real-time monitoring and compliance with Banxico's provisions for participants.
- 02
Card program
Complete issuance program design: BIN sponsor selection, processor integration, physical or virtual card personalization and lifecycle management for every card.
- 03
Scalable onboarding
Onboarding flows built to process thousands of applications daily with KYC verification under 3 minutes: facial biometrics, INE validation (Mexico's national ID), AML watchlist screening and automated initial scoring.
- 04
AI credit scoring
Risk assessment in seconds using alternative data, credit bureau, transactional history and behavioral variables to maximize approval and minimize delinquency — with auditable models.
- 05
Multi-product architecture
Microservices that support lending, savings, payments and transfers on a single platform. Each product is an independent module that activates without disrupting the existing operation.
- 06
Monitoring and analytics
Real-time dashboards on transactional volume, non-performing loans, onboarding conversion, approval rates and regulatory metrics. Automated alerts and executive reports for the board.
Three profiles that need to scale.
-
Profile A
Authorized IFPEs expanding services
You already have CNBV authorization. Now you need the infrastructure to offer SPEI transfers, issue cards and operate multiple products from a single platform.
-
Profile B
Fintechs raising Series A or B
Investors expect scalable infrastructure, robust credit scoring and processing capacity. DTX Scale builds the architecture funds expect before the term sheet.
-
Profile C
Institutions requiring SPEI or BIN sponsor
Connecting to SPEI and issuing cards requires complex technical integrations with Banxico and processors. We build the full technology layer needed to operate these services with confidence.
Four phases. From basic compliance to high-volume operations.
-
01 · Month 1
Diagnostic and architecture design
Target product mapping, assessment of current infrastructure, vendor selection (BIN sponsor, processors, KYC) and multi-product architecture design.
-
02 · Months 2 — 4
Integrations and rails
SPEI implementation, card processor integration, credit bureau connection, scoring engine configuration and scalable onboarding.
-
03 · Months 4 — 6
Controlled rollout
Tests with limited volume, fine-tuning of scoring models, certification with Banxico and processors, operational training.
-
04 · Months 6 — 8
Operations at scale
Volume ramp-up, regulatory dashboards, automated alerts, and second and third products on the same architecture.
DTX Scale complements the rest of the ecosystem.
Once you are in high-volume operations, these services sustain the growth.
Connect SPEI, issue cards, operate at scale.
45 minutes with a senior consultant. We map product scope, identify critical integrations and chart the multi-product architecture. No cost, no commitment.