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KYC Know Your Customer
iBeta Level 1

Check your client's identity. With legal evidence ready for any audit.

biometric KYC that automates client release by complying with LFPIORPI, CNBV and anti-washing regulation - with auditable evidence from first verification.

Customer high 100% digital and remote
Regulatory compliance with audible evidence
Preventing fraud and false identities at onboarding

Required sectors

Loan and LoanFintechs e IFPEActividades VulnerablesInmobiliariasSegurosCasinos
Verification KYC
biometric scanner
Live
Biometric face scan KYC
Match 98.4%
DocumentINE · vigente
BiometricsCoincidencia 98.4%
Liveness detectioniBeta L1
✅
Reported identity
24 sec. #JK-2026-00471
The actual risk

If you don't check correctly, Your company takes the risk.

LFPIORPI He's forcing you. CNBV The UIF bad verification isn't a technical error - it's an active legal liability.

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Regulation enforcement fines

Penalties up to $14.9 MDP low LFPIORPI by weak or non-existent identification processes in vulnerable activities.

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Audit comments CNBV

Without documentary evidence of each check you cannot prove compliance with regulatory inspectors and with the UIF.

⚠️

Fraud at the onboarding

73% of Mexico's digital financial fraud occurs at the time of client's release, with controls weaker.

The solution JAAK

Each monitoring layer exists for a legal reason.

It's not technology by technology - every module generates evidence that resists audits of CNBV, UIF and CONDASEF.

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iBeta Level 1

Passive Liveness detection

It detects in real time if the user is a real person. No challenges and no friction. iBeta Level 1 is the most demanding market standard for liveness detection.

Anti-spoofing · Liabilities
🪪
> 99% accuracy OCR

Verification of document

OCR advanced INE, passport and vouchers. Detects alterations, valid and removes data with accuracy more than 99% under actual field conditions.

INE · Passport
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NIST FRVT evaluado

Biometric facial Comparison

Naturms evaluated by the National Institute of Standards (NIST). Loads his face live against his photo with facial error rate < 0.1%.

Biometrics 1:1 < 0.1% error
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Tiempo real

Validation with official sources

Real-time consultation RENAPO (CURP), Nominal List INE and SAT. The evidence of each consultation is entered in the user's file - ready for any audit.

RENAPO · INE · SAT RFC
Verification flow

Unknown user to an identity verified at 30 seconds.

A simple process for the user. Complete evidence for your compliance area.

01
0–5 seg.

Collection of document

The user photographs his INE or a passport. OCR Expand data and valid at once.

02
5–12 seg.

Selfie with life proof

Passive facial capture. Anti-spoofing detects photos, videos or masks without extra steps.

03
12–22 seg.

Cross-checks

A valid document + face + official sources in parallel. Without human intervention.

04
22–30 seg.

Evidence generated

Photo file, confidence score, timestamp and reference to requested sources.

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Reported identity and closed file
Trust Score · Evidence ready for audit · Webhook sent
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International certificates

Not only technology - standards that your regulators recognize.

Each certification answers a question that CNBV, UIF Or an outside auditor will do you.

iBeta Level 1

“Do your liveness detection resist presentation attacks?”

The only international standard attesting to liveness detection. CNBV.

Relevant for CNBV
NIST FRVT

“What accuracy do you recognize a face with?”

U.S. government independent assessment Facial error rate < 0.1% in actual scenarios.

Biometric accuracy
ISO 27001

“How do you protect my clients biometric data?”

Security management of certified information. LFPDPPP.

Relevant for LFPDPPP
ISO 9001

“Are processes consistent or dependent on a person?”

Certificated operational quality. Each check follows the same protocol - with no human variations.

Audit UIF / CNBV
Required sectors

Do your sector have an obligation to check an identity? Probably did.

LFPIORPI, CNBV and UIF define exactly what sectors to implement KYC - and with what level of rigour.

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Loan and Loan

CNBV obligatorioDigital file by client

Strengthened monitoring of operations that exceed an identification threshold.

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Fintechs e IFPE

Onboarding 100% remotoCompliance CNBV

KYC from first registration for credit, payments and digital services.

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Actividades Vulnerables

LFPIORPI Art. 17Reporte UIF obligatorio

Full client identification and report when above thresholds PLD.

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Real Estate and Notary

Operaciones >$164K MXNRecord with evidence

Identification of the buyer, seller and representatives in each transaction.

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Insurance and bonds

Identification of recipientAML obligatorio

The prevention of washing and monitoring of insured people.

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Houses of Peño and Casinos

Alta actividad vulnerableRetiring lists

Identification at every operation and consultation with international blacklists.

Consultation of lists AML/PLD

A KYC No list consultation That's a KYC with gaps.

JAAK automatic consultation of five sources at each check: international sanctions lists, Mexican nominal searches and the list of irregular contributors SATEach consultation is registered as an auditory evidence.

International list of sanctions
Nominal Mexican sources
Roster OFAC
Office of Foreign Assets Control · Estados Unidos
International

U.S. Treasury Penalty Your omission in operations with international reach exposes to extraterritorial sanctions. Established under FATF equivalency for entities with exposure to dollars or foreign correspondent.

LFPIORPI Section 3 and 17
Risk: fines $20K- $500K USD per operation
INTERPOL lists
Red Difusions · People Wanted
Best practices

Not required by law but their absence generates audit observations CNBVFATF Recommendation 6 lays down controls on politically exposed and wanted international persons - a frequent monitoring divide.

FATF Recommendation 6 · Best practice CNBV
Risk: regulatory audit observations
Roster SAT 69-B
EFOS · Non-existent operations
) Critical

Companies or individuals that issue bills without real financial support (EFOS). To put a client in this list can nullify tax deductions from your company and generate tax liability and solidarity.

LFPIORPI Article 17 CNBV Circular 12 / 2012
Risk: $100K- $5M MXN + criminal liability
Nominal list INE
Electoral headquarters · Active credentials
Mandatory CNBV

Verifies that the submitted INE exists in the electoral roll and is active. Detects physically well-made counterfeit credentials that pass visual review — including some that pass OCR without this query.

CNBV Circular 12 / 2012 · LFPIORPI
Risk: onboarding with synthetic identity
RENAPO / CURP
National Population Registry · Real Source of Identity in Mexico
root source

The definitive source of truth for identities in Mexico. Valida CURPand full name, date of birth and validity of the population key. Customer Identity Record (EIC) and demand CNBV - without it, the file remains incomplete for regulatory purposes.

CNBV required LFPIORPI
Risk: incomplete audit file CNBV
Confirms that CURP + documentary data + biometrics matching
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JAAK Check the five sources in parallel during the verification process and register the result of each consultation in the user's file. The compliance area can download individual evidence by consultation to meet user's requirements CNBV, UIF or internal audits.

Technical integration

Integra JAAK as required by your operation.

Connects our identity check solutions with API or SDKwith technical documentation and specialized accompaniment under the contract project.

Etapa 1
Needs assessment
We review the use case, the volumetries and technical and safety requirements.
Etapa 2
Setup and enabling
We define the extent of integration, the Setup fee and the related accesses.
Etapa 3
Implementation and testing
Your team will be able to integrate and validate the functions contracted with the agreed technical accompaniment.
Etapa 4
Operation
The production rating is performed in accordance with project requirements and conditions.
POST / identity / verify → 200 OK
{
  "id": "ver_a3f9b2c1e847d6",
  "status": "verified",
  "created_at": "2025-11-14T09:18:42Z",
  "person": {
    "full_name": "Ana Martínez Ruiz",
    "document_type": "INE",
    "document_status": "valid"
  },
  "checks": {
    "liveness":    { "result": "pass", "score": 0.99  },
    "face_match":  { "result": "pass", "score": 0.984 },
    "official_sources": {
      "renapo":     "match",
      "ine_nominal":"match",
      "sat_69b":    "clear",
      "ofac":       "clear",
      "interpol":   "clear"
    }
  },
  "evidence_package": "https://storage.example.com/evidence/..."
}
Documentation available to clients
Review at no cost · 15 minutes

Your next audit can find evidence - or find gaps.

We'll tell you in 15 minutes if JAAK cover what your regulation requires.

No commitmentISO 27001 · iBeta Level 170M+ verificacionesTechnology