Electronic signature at Mexico with legal validity and biometrics

Yes. The electronic signature has full legal validity in Mexico under the Commercial Code (Articles 89 to 114) and the Federal Act on Advanced Electronic Signature (LFEA). Those laws provide that data messages and electronic signatures have the same legal validity as paper and autograph copies, as long as they meet authenticity and integrity requirements. NOM-151 adds a certified time stamp that further strengthens its evidentiary value.

The NOM-151 (Mexican Official Standard) NOM-151-SCFI-2016) lays down technical and legal requirements for data message maintenance and document digitization in Mexico. When a document is signed with certification NOM-151, a Certification Service Provider (PSC) authorized by the Secretariat of Economics issues a time stamp that: (1) records the exact date and time of signature, (2) links the cryptographic hash of the document to the seal and (3) guarantees that any subsequent modifications are detectable, and this makes the signature practically irrefutable in a statutory process or regulatory audit.

A simple signature is any electronic symbol a person uses to express consent (a click, a signature image, an OTP code). It does not verify the signer's identity and has minimal evidence. An advanced signature (in accordance with the LFEA) requires: (1) exclusive linkage to the signer, (2) identification of the signer, (3) creation under their exclusive control, and (4) the ability to detect subsequent modifications. In practice, a signature with biometrics + NOM-151 meets all these requirements and adds a level of evidence that a simple signature can never match.

No. JAAK allows to integrate the signature with the current .firmer's signature into an auditory digital flow. The issue, renewal and administration of the .firma corresponds to the firmer before the SATWhat? JAAK provides the signature flow, evidence and auditable record around that signature.

A timestamp records a reliable date and time associated with a document or event. The NOM-151 certificate adds an additional layer of preservation and integrity of the data message under the Mexican framework (NOM-151-SCFI-2016). In practice, NOM-151 includes a timestamp, but it also strengthens the evidence that the document did not change after being signed.

Yes. For higher value or risk documents, you can combine .sign with NOM-151 inside the same flow to strengthen authorship, integrity, traceability and document conservation.

For electronic tax obligations (IQR, statements, proceedings at the SAT) the .signature (FEL) issued by the SATand an advanced electronic signature with public code certificates. NOM-151 have full validity with fiscal authorities as an operations backup document. If you need your contracts to be recognised before SAT as evidence of a commercial transaction, NOM-151 That's enough.

Yes. JAAK's NOM-151 + KYC digital signature solution is designed to meet the customer identification requirements set by the CNBV (National Banking and Securities Commission), the LFPIORPI (Federal Law for the Prevention and Identification of Operations with Resources of Illicit Origin) and the General Provisions on PLD/FT. It includes: validation of official identification (INE/passport), screening against control lists (PLD, OFAC, SAT 69-B), CURP verification with RENAPO, and generation of the client identification file (EIC) with all required elements.

Any document can be challenged at a trial. The difference is how easy it is to defend the signature. With a simple sign (only image or click), anything can argue that it did not sign or that the document was altered. JAAK including NOM-151 + biometrics KYCyou have: the certified time stamp that links the firmer's identity to the document, the biometric facial recognition that proves that that person was present at the time of signing, and the auditable record with all metadata. In practice, this makes a successful challenge extremely difficult.