For SOFIPOs that need to modernize without throwing out the core.
Popular Financial Entities supervised by CNBV, with a federation, a depositor protection fund and a regulatory calendar that does not forgive. We design the technology layer that sits on top of your current core — without replacing it — to automate SITI, field KYC, distributed collections and auditable AML training.
The SOFIPO operates under the most demanding framework in the popular sector. Capital, corporate governance, federation, reporting and depositor protection — five fronts active at the same time.
Unlike the SOFOM, which registers with CONDUSEF and is subject to CNBV only in AML matters, the SOFIPO operates under an integral framework. Regulatory pressure keeps rising: the FATF evaluation cycle on Mexico, new reporting requirements and more frequent inspections. Operating manually is no longer an option.
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CNBV
Authorization and integral supervision
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Capital
Minimum capital by operating level
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Levels
Operating levels, from I to IV
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Reports
Recurring regulatory reports
The pain points we see in every SOFIPO that arrives at an initial diagnostic.
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Monthly SITI and urgent reports built by hand.
RO, RI, OIP and urgent reports depend on the strictest calendar in the sector. Every error or omission triggers direct regulatory consequences, from observation to fine.
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Legacy core system, hard to extract from.
Pulling information in regulatory format takes person-weeks every close. External auditors find inconsistencies between core, accounting and regulatory reports.
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Collections scattered across branches, agents and door-to-door.
Paper receipts, slow reconciliation, fragmented traceability. When the risk committee asks for IMOR by region, no one has the exact answer.
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KYC in the field, file on paper.
Client onboarding with ID card and physical evidence; digitization pending, costly and often partial. The CNBV visit reviews files that are incomplete.
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AML training distributed without individual evidence.
Teams across multiple regions that require documented and auditable AML training, with individual evidence per employee. The monthly training report to the regulator becomes a recurring pain.
The three-level method, adapted to SOFIPO.
Capture, popular savings and credit
Digital capture of savers and credit applicants. KYC onboarding in the field and at the branch with an electronic file. Product design by authorized level: popular savings, microcredit, consumer credit, factoring, leasing.
Digital capture
Funnel for popular savings and by authorized credit product, with traceability by channel and region.
Field KYC for SOFIPO
Mobile capture with INE/CURP/RENAPO validation, biometrics, client signature and unified electronic file.
Calibrated underwriting
Scoring for microcredit and consumer, assisted underwriting for higher-ticket credit.
Credit committee
Packet built from file data, generated proposal, documented decision for internal audit review.
Contract, disbursement and registration
Electronic contracts per product, disbursement integrated with accounting under CNBV criteria, automated reconciliation against the core. Collections orchestrated via WhatsApp, SMS and calls with a queryable audit trail.
Electronic contracts
Automated generation by authorized product with advanced electronic signature.
Disbursement and booking
SPEI integration and automated core reconciliation, aligned with CNBV accounting criteria.
Distributed collections
Multi-channel orchestration with audit trail and core reconciliation across regions and agents.
Portfolio, SITI and monitoring
Portfolio staging, Regulatory portfolio reporting automated from the live portfolio. SITI reports on relevant, unusual and urgent operations with full audit trail. AML training with auditable individual evidence.
Portfolio staging
By stage, with methodology adapted to your credit product and CNBV criteria.
CNBV reporting
Regulatory portfolio reports generated automatically from the live portfolio.
SITI RO/RI and urgent
Pre-populated and auto-triggered with full evidence trail, ready for UIF submission.
Auditable training
Individual evidence per employee, training report with no surprises at month-end.
Three featured services for SOFIPO.
Initial diagnostic gives you the map, Modernization modernizes without replacing the core, AML compliance automates SITI and AML monitoring.
What SOFIPO executives ask us most.
Which SOFIPO levels do you serve?
We work with SOFIPOs Levels I to IV. The build is calibrated to volume, authorized products and operational geography. For SOFIPOs in formation or moving up a level we design the technology architecture to support the next stage.
Do we have to replace our core?
No. The DTX approach is layered on top of the existing core — proprietary or licensed — and adds intelligence, automation and compliance layers. Replacing the core of an operating SOFIPO is a long project with high regulatory risk during migration.
How do you handle SITI and urgent reports?
AML compliance ingests core events, evaluates them against regulatory thresholds and generates the SITI file with a complete audit trail. Urgent reports trigger automatically when the criterion is met, with evidence and traceability for the compliance officer to review before submission to UIF.
Do you work with our federation?
Yes. Auxiliary supervision by the federation is part of the SOFIPO regime. Our implementation includes the documentation, review cadence and evidence format each recognized federation requires.
How long does a typical implementation take?
The length of a Launch or Upgrade in a SOFIPO depends on the state of the current core and the authorized products. The first step is the initial diagnostic — a complimentary session with a senior consultant and an executive report with a near-term plan.
Your SOFIPO deserves architecture, not patches.
A working session with a senior consultant. Executive report with maturity scoring of your SOFIPO, sector benchmark and near-term plan. No cost, no commitment.