Do your operation have an active obligation to LFPIORPI?
30 seconds if your activity requires client identification, notice to UIF or both. Enter your operation data and get an immediate regulatory diagnosis with the file KYC That's what she needs.
Based on the official thresholds of Article 17 of LFPIORPI and the value of UMA 2026 published by INEGI.
Simulator of obligations PLD / AML
Select your vulnerable activity, enter operation and monthly volume. The simulator will evaluate your regulatory thresholds and estimate your file KYC That his organization needs.
Enter the amount in Mexican pesos of a typical operation.
The number of operations that process their organisation every month.
We do not store the data entered and this calculation is indicative and does not replace legal advice.
Legal result
Select an activity and complete the fields to see your regulatory diagnosis.
That should contain a file KYC and LFPIORPI?
The LFPIORPI and its General Character Rules have established that every required person should have an identification file as soon as his or her operation reaches the thresholds of Section 17. UIF and should be preserved for 10 years.
Existing official identification
INE/ FIT, passport or professional cordula. JAAK valid document against official bases of INE and verifies that it isn't defeated, altered or reported as misguided.
Facial biometric check
Liveness detection and Facial Comparison against Photography of the Official Document. Reforms with guidelines of CNBV for remote non-face identification.
Identification of the controller recipient
A physical person that directly or indirectly benefits, controls or influences a moral person. Mandatory if the client is an undertaking, trust or equivalent juridical figure.
Conservation for 10 years
Any file should be kept for at least 10 years from the date of last operation. JAAK Stores evidence with time seal and custody chain.
verifiable and auditable evidence
Each check generates evidence with metadata: geolocalization, timprints, integrity hash, biometric result and complete traceability to meet demand from UIF.
Reports and notifications to UIF
If the operation exceeds the notice threshold, the person required to give an information concerning the UIF. JAAK generates support evidence that supports that notice.
Modalities of service JAAK
JAAK It's adapted to the volume and complexity of its operation. The recommended modality depends on how many checks its organisation processes.
Self-Service
- High automa from platform
- Dashboard of verifications
- Identification check (INE + biometrics)
- Digital record by operation
- Support by aid centre
- No technical integration required
Ideal for subjects with moderate operations that exceed thresholds.
Enterprise
- Integration by API REST
- Service levels as requested
- Specialist support by recruitment
- Custom Flow Configure
- Advanced Reporter and Exportation
- Onboarding asistido
For organisations with high volume or need for integration into their own systems.
Strategic Alliance
- Infraestructura white-label
- API resale and distribution
- Shared engineering support
- Trading conditions of partner
- co-development of regulatory flows
- Premium service level agreement
For platforms that integrate identity checks as part of their product and offer them to their customers.
FAQ about compliance PLD/AML
We solve the most common questions about LFPIORPI, thresholds and identification obligations.
What's the LFPIORPI and to whom?
The Federal Act for the Prevention and Identification of Transactions with Icicite Promises (LFPIORPI) is the anti-washing law of Mexico. It applies to all physical and moral persons performing vulnerable activities listed in Article 17, including sectors such as real estate, jewelry, vehicles, professional services, virtual assets and foreign trade, among others.
What's the UMA and why are they used to calculate thresholds?
The Unit of Measurement and Updating (UMA) is the economic reference that replaced the minimum wage for determining legal obligations in Mexico. INEGI publishes its value annually. In 2026, the daily UMA is $117.31 MXN. LFPIORPI thresholds are expressed in UMA so that they adjust automatically for inflation.
What if I don't get the client's I.D.?
Non-compliance with LFPIORPI obligations may result in fines ranging from 200 to 65,000 days of UMA (approximately $23,462 to $7,625,150 MXN in 2026). In serious cases, the UIF may initiate criminal proceedings. In addition, the organization is exposed to reputational risk and to being barred from operating.
What's the difference between identification and notice to UIF?
The client's identification is an obligation to integrate a file with information and documents that will allow them to know the client's identity and the source of their resources. UIF It's a formal notification that the required person should submit when an operation exceeds a second higher threshold. A operation may require only an identification, or an identification more notice, depending on the amount.
JAAK Replace my compliance officer?
No. JAAK It's a technological tool that automates an identity check and file integration KYC. The compliance officer remains responsible for designing internal policies, evaluating the risk of each client and submitting the warnings to the UIF. JAAK provides evidence and infrastructure to support these decisions.
How do you manage? JAAK The retention of files for 10 years?
Any evidence generated JAAK It's stored with time seal (crypt timestamp), integrity hash and verifiable custody chain. ISO 27001 and data are preserved at data centers with geographical redundancy. The person required to have access to any historical file throughout the retention period.
The simulator stores my data?
No. The simulator works completely in your browser. The amounts, activities and results are not transmitted or stored on any server. It's an enabling tool for you to first evaluate your regulatory obligations.
What vulnerable activities require identification in all cases, regardless of the amount?
Fractions III (Traveller's Cheeses), IV (Loan / Credits), V and V Bis (Retirement), X (Retirement and Retirement), XI (independent Professional Services) and XVI (Virtual Assets) require customer identification in all cases, regardless of the amount of operation. That's indicated as "Always" at the thresholds of Section 17.
Important clarification
The information on this page and the results generated by the simulator are for guidance and informational purposes only. They do not constitute legal, tax or regulatory compliance advice. The thresholds presented correspond to Article 17 of the LFPIORPI in force and to the 2026 UMA value published by INEGI, but specific obligations may vary according to the General Rules applicable to each sector and the interpretation of the competent authority.
JAAK provides technological infrastructure for monitoring and generating evidence. The responsibility for designing compliance policies, evaluating risks and submitting warnings to UIF and its enforcement officer. PLD/AML for his particular case.
Agates your strategic compliance session
In 15 minutes we evaluate how JAAK can automate file KYC for his vulnerable activity. No commitment, no cost.