KYC files
Automatic checklist per file type, blocked while anything is missing.
Compliance & anti-money laundering
PLD
Software development for anti-money laundering and know-your-customer (KYC) compliance in Mexico's real estate sector. From the identification file to the annual audit: risk matrix, watchlist screening, beneficial owner and 24-hour clocked reports — built for the LFPIORPI law and the ACUERDO 115/2026 reform.
- AML
- KYC
- ACUERDO 115/2026
- Watchlist screening
- Multi-company
- Real estate CRM
The law changed; the files are still on paper
Selling real estate in Mexico is a regulated "vulnerable activity": the law requires identifying the client, assessing their risk, identifying the beneficial owner and reporting to the authority within tight deadlines. In practice that information lives on paper, in WhatsApp, in Excel and in loose folders — with no traceability and nobody watching the clocks. The ACUERDO 115/2026 reform was published in the official gazette on August 7, 2026 and takes effect on November 30, 2026; the challenge was turning every chapter of the rule into a screen the team can actually use every day.
- Daily operations and compliance live in separate tools
- Scattered files: paper, WhatsApp, Excel and uncontrolled folders
- Tight deadlines: some reports are counted in hours, not days
- With no audit log there is no way to prove anything in an inspection
- The clock is running: effective November 30, 2026, with new duties in 2027
The whole compliance cycle, in one place
Not a CRM with a bolted-on module: every module maps to a real legal duty, and the firm's daily operation runs on top of it.
- KYC files for the 7 types in article 12 — individuals and companies, domestic and foreign, trusts, public entities and embassies
- Risk matrix built on the official factors and configurable per company (weights, thresholds and catalogs)
- Watchlist screening against OFAC, UN and SAT 69-B plus PEP checks on every person in the file
- Beneficial owner with the full control chain and the article 23 Quinquies order of precedence
- 24-hour reports with an automatic clock, alerts before they expire and end-to-end traceability
- Transactional profile: declared vs. observed, with deviation alerts and enhanced due diligence
- Institution-wide risk assessment (EBR) with indicators, mitigants and residual risk
- Internal policy manual covering the 14 sections of article 37 Bis, versioned
- Training with the 6 mandatory topics, certificates and evidence retained for 10 years
- Annual audit: a 15-area report with findings and corrective actions
- Real estate CRM included: clients, properties, deals, payments, tasks and Word templates
- Multi-company with isolated workspaces, granular roles and a log of 100% of actions
What it's made of
Risk engine
Matrix on official factors, configurable per company, with justification.
Screening
Over 35,000 OFAC, UN and 69-B records, plus PEP checks.
Clocks & reports
The 24-hour deadline runs by itself and warns before expiring; all logged.
The system, on screen
Questions about this project
What are AML and KYC?
AML is anti-money laundering: the set of duties the law imposes on anyone performing a regulated "vulnerable activity", such as buying and selling real estate. KYC — know your customer — is the part about identifying and documenting whoever is on the other side of the deal: who they are, where their money comes from and who really controls the company signing.
Why now?
Because the clock is already running. The reform to the LFPIORPI rules (ACUERDO 115/2026) was published in the official gazette on August 7, 2026 and takes effect on November 30, 2026; mandatory annual training starts on January 1, 2027, and the risk, customer-knowledge and beneficial-owner duties on March 1, 2027. Reaching those dates with paper files is the worst way to arrive.
Who is it built for?
For anyone performing the regulated real estate activity and for those advising them: developers, brokerages, franchises, agents, notaries and law firms, and AML consultants handling several companies — which is why the platform is multi-company by design.
Can you build something like this for my industry?
Yes. The pattern — hard rules, checklist-driven files, deadlines that never get forgotten and a log of everything — applies to any regulatory duty, not just real estate. Tell us which rules apply to you and what you do by hand today.
Contact
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