Compliance LFPIORPI and Vulnerable Activities
Identity checks aligned with the Federal Act for the prevention and identification of operations with illicit conduct, including Section 17 of Vulnerable Activities.
What's the LFPIORPI?
The Federal Act for the Prevention and Identification of Transactions with Illawful Promises lays down measures and procedures to prevent and detect acts or operations involving remedies of illicit origin.
The Act applies to financial institutions and those who conduct Vulnerable Activitiesand lays down obligations for the identification, retention and submission of information to the Financial Intelligence Unit (UIF).
Cash Payments thresholds
Restrictions on cash payments as set out in Article 32 of LFPIORPI.
| Fraction | Activity | Cash payments | UMA |
|---|---|---|---|
| I | Real property: sale, brokering and development | $941,412.75 | 8,025 |
| II | Sale of vehicles (ground, sea and air) | $376,565.10 | 3,210 |
| III | Sale of precious stones and metals, jewelry and watches | $376,565.10 | 3,210 |
| IV | Games with bet, contest and drawing | $376,565.10 | 3,210 |
| V | Shipment (vehicles and real estate) | $376,565.10 | 3,210 |
| VI | Transmission of domain or creation of rights with respect to titles representing social parties or actions of moral persons | $376,565.10 | 3,210 |
| VII | Establishment of personal rights to use or enjoy any of the goods referred to in article 32, fractions I, II and V LFPIORPI | $376,565.10 | 3,210 |
| VIII | Filling of payment related to an act or operation referred to in fractions I to VII | According to the thresholds set at each fraction as at the date of issue | --- |
Value UMA: $117.31 from February 01, 2026
Potential Activities thresholds
Article 17 LFPIORPI defines activities that by their nature are subject to increased monitoring and reporting obligations.
| Fraction | Vulnerable activity | Identification | UMA | Warning | UMA |
|---|---|---|---|---|---|
| I | Games with bet, contest and drawing | $38,125.75 | 325 | $75,664.95 | 645 |
| II | Credit and service cards | $94,434.55 | 805 | $150,743.35 | 1,285 |
| II | Prepaid cards, vouchers, coupons, electronic wallet | $75,664.95 | 645 | $75,664.95 | 645 |
| III | Traveller's checks | Always | --- | $75,664.95 | 645 |
| IV | Loan, credit and mutual | Always | --- | $188,282.55 | 1,605 |
| V | Real property: sale, brokering and development | Always | --- | $941,412.75 | 8,025 |
| V BIS | Desarrollo inmobiliario | Always | --- | $941,412.75 | 8,025 |
| VI | Sale of precious stones and metals, jewelry and watches | $94,434.55 | 805 | $188,282.55 | 1,605 |
| VII | Supura and sale of works of art | $282,717.10 | 2,410 | $564,847.65 | 4,815 |
| VIII | Sale of vehicles (ground, sea and air) | $376,565.10 | 3,210 | $753,130.20 | 6,420 |
| IX | Shipment (vehicles and real estate) | $282,717.10 | 2,410 | $564,847.65 | 4,815 |
| X | Transfer or retention of securities | Always | --- | $376,565.10 | 3,210 |
| XI | Provision of independent and employment-free professional services | Always | --- | A financial transaction related to a client's name and representation | --- |
| XIV | Comercio exterior: joyas, piedras, metales | Always | --- | $56,895.35 | 485 |
| XIV | External trade: works of art | Always | --- | $564,847.65 | 4,815 |
| XV | Use or enjoyment of property (personal rights) | $188,282.55 | 1,605 | $376,565.10 | 3,210 |
| XVI | Virtual assets: matching for services | Always | --- | $469.24 | 4 |
| XVI | Virtual assets: client operation | Always | --- | $24,635.10 | 210 |
Value UMA: $117.31 from February 01, 2026
In all cases, the principle is the same: identify correctly, preserve evidence and be able to prove compliance with authority.
That standard of identification and evidence are the same as those required by regulated financial institutions.
Main obligations
The LFPIORPI It lays down four fundamental pillars for those performing Vulnerable Activities.
Customer Identification
Check the client's identity with valid official documents and biometric validation.
Maintenance of documents
Keep complete files for at least 5 years after last operation.
Notices to UIF
To issue notice of operations that exceed the thresholds established by law.
Internal policies
Implement policies to prevent, detect and report unusual operations.
How JAAK helps you fulfill
JAAK enabling organisations that conduct Vulnerable Activities to fulfill client identification and evidence retention, facilitating operational compliance without relying on manual processes.
- Biometric monitoring with certified life proof
- Validation of INE/ FIT in real time versus INE
- Digital Records with time seal
- Safe storage for 5 + years
- Reports ready to be submitted UIF
- API for integration with existing systems
Evidence that generates JAAK
Important clarification
JAAK It's a technological platform to support compliance. It doesn't substitute for legal advice or determine reporting obligations. LFPIORPI.
Do you conduct Vulnerable Activities?
We show you how JAAK can help you fulfill your identification obligations under LFPIORPI.