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.
-
SOFOM ER and ENR
LGOAAC · LIC for ER
Multi-purpose financial entities (SOFOM) — regulated (ER) or unregulated (ENR). Multi-purpose lending without taking deposits.
- Sector
- A large and active sector in Mexico
- When it applies
- SME lending, factoring, microcredit, leasing, consumer credit. The fastest entity to form in the sector.
-
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.
-
IFPE
Fintech Law · 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.
-
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 set by the LIC · 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.
-
Origination
Before the peso goes out
Capture, KYC calibrated to the figure, credit or client-risk assessment, documented, auditable approval committee with evidence.
-
Operation
The moment of the peso
Electronic contracts, disbursement, custody or issuance by figure, accounting registration under CNBV standards, automated reconciliation against the core.
-
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 an initial diagnostic.
A working session with a senior consultant. We map your business model, identify the optimal figure and chart the near-term plan. No cost, no commitment.