Every regulatory figure, its architecture.
A microcredit SOFOM ENR is not the same as an IFPE in formation under the Fintech Law, nor a SOFIPO Level III the same as a boutique bank in authorization. Each figure has its own pain points, regulatory framework and optimal technology architecture — and we build for all four.
We build architecture for SOFOM, SOFIPO, IFPE and boutique bank.
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SOFOM ER and ENR
Art. 95 Bis LGOAAC · Art. 115 LIC for ER
Multi-purpose financial entities (SOFOM) — regulated (ER) or unregulated (ENR). Multi-purpose lending without taking deposits.
- Sector
- 1,652 active SOFOMs ENR in Mexico
- When it applies
- SME lending, factoring, microcredit, leasing, consumer credit. The fastest entity to form in the sector.
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SOFIPO Levels I — IV
LACP · CNBV + federation + protection fund oversight
Popular Financial Entities (SOFIPO) — collect popular savings and grant credit under the Popular Savings and Credit Law (LACP).
- Sector
- Levels I to IV based on volume and authorized products
- When it applies
- Microcredit and popular savings at local or regional scale, factoring, insurance distribution, payment services.
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IFPE
Fintech Law 2018 · CNBV authorizes · Banxico opines
Electronic Payment Fund Institutions (IFPE) — fund accounts, transfers and digital custody under the Mexican Fintech Law (LRITF).
- Sector
- Accounts, transfers, BaaS, payment rails
- When it applies
- Electronic payment fund accounts, segregated custody, BaaS for third parties, card issuance via BIN sponsor.
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Boutique bank
LIC · Full CNBV/Banxico oversight · IPAB deposit insurance
Niche commercial banks — corporate, wealth, sectoral — authorized by CNBV with Banxico and SHCP opinion.
- Sector
- Minimum capital 90M UDIs · banking corporate governance
- When it applies
- Niche corporate banking, wealth, sectoral. When the business model justifies a commercial bank over lesser figures.
Origination, Operation and Administration — the same method, calibrated to each figure.
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01 · Origination
Before the peso goes out
Capture, KYC calibrated to the figure, credit or client-risk assessment, documented approval committee ready for regulator review.
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02 · Operation
The moment of the peso
Electronic contracts, disbursement, custody or issuance by figure, accounting registration under CNBV standards, automated reconciliation against the core.
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03 · Administration
After the peso goes out
Portfolio or accounts, automated reporting, continuous AML monitoring, documented corporate governance, auditable training and authority response.
Not sure which figure applies? Start with a DTX Audit.
45 minutes with a senior consultant. We map your business model, identify the optimal figure and chart the 90-day plan. No cost, no commitment.