PLDUnity centralizes client files and beneficial owners, UMA threshold monitoring, risk-based assessment (EBR), 7-source watchlist screening, and SAT XML & zero-activity reports, with optional BDUnity consulting.
OPERATIONAL EFFICIENCY & TRACEABILITY · 1 OF 3
PLDUnity is a RegTech platform designed to centralize and automate AML/CFT compliance obligations for vulnerable activities in Mexico, combining technology, traceability, and an optional ecosystem of specialized professional services.
When identity verification is managed in a separate tool, the compliance officer still has to manually transfer customer data and profiles to monitor thresholds, calculate EBR risk grades, and prepare monthly notices.
Querying restrictive lists in one portal, tracking 6-month UMA accumulations in another, and generating XML files separately makes it harder to maintain a single audit trail and reconcile reached thresholds against filed notices.
Managing compliance across spreadsheets and folders complicates row-by-row validation, duplicate detection, 24-hour unusual operation deadlines, 17th-day reminders, and 10-year portable retention.
CENTRALIZED VS. FRAGMENTED OPERATION · 2 OF 3
See how centralizing files, thresholds, EBR, watchlists, and SAT XML generation compares to managing them across separate tools and spreadsheets.
| Compliance Area | Centralized platformPLDUnity | Separate toolIsolated KYC Tool | Separate toolSeparate List / XML Tool | Manual operationSpreadsheets & Folders |
|---|---|---|---|---|
| Customer files, beneficial owners & remote KYCConfigurable levels, AI document reading (OCR), AI-assisted face match (supports analyst; not certified biometrics), and automatic file creation upon approval | Centralized in platform | Disconnected from UMA/XML | Separate tool | Manual folders |
| Threshold monitoring & 6-month accumulationIdentification and notice thresholds with platform-updated annual UMA, monthly, 6-month, and 24-hour surveillance | Monthly, 6-mo & 24h | Not included | Without KYC profile link | Spreadsheet formulas |
| Watchlist screening & 24-hour unusual casesUN, OFAC (SDN & consolidated), UK (OFSI), FBI, SAT 69-B, Non-Located, and PEP with weekly updates and 24-hour case creation | 7 sources + 24h cases | Separate portal | Separate lookup | Manual search |
| SAT XML generation, zero-activity reports & SPPLD guideValidated against official SAT schema (except Fracción XIV Foreign Trade, which does not use SPPLD XML), preview, and SHA-256 receipts | Official SAT XSD + SHA-256 | No SAT XML | Isolated generator | Manual capture |
| Risk-Based Approach (EBR) & AML GovernanceArt. 18 VII LFPIORPI & Chapter II Quáter RCG (4 elements, 1–5 scale, LD/FT indicators), internal policy manual, and annual self-assessment | Included (Profesional+) | Not included | Not included | Not included |
| Art. 41 evidence, authority deliveries & 10-year archiveMonthly threshold-to-notice reconciliation, authority delivery ZIP with SHA-256 certificate, and 10-year portable ZIP archive | Portable ZIP + SHA-256 | Not included | Not included | Not included |
| Cashier registration & license-holder portalIn-person cashier identification for physical casinos and dedicated portal for license holders overseeing multiple operators | Built-in modules | Not included | Not included | Not included |
| Staff training courses & optional BDU consulting2 built-in courses with exam (min. 80) and numbered certificate, plus optional BDU professional services contracted separately | Platform + BDU ecosystem | Not included | Not included | Not included |
| Clear commercial plans, list query packages & identity verification30-day Free Account ($0), Esencial ($4,900), Profesional ($9,900), Corporativo (from $19,900) MXN/mo + VAT; list query packages ($350–$10,000 + VAT) and identity verification ($8/person or packages $375–$25,000 + VAT); never blocks notice generation | $4,900 – $19,900+ MXN | Separate contract | Separate contract | Operational rework |
Legal notice: The platform supports compliance operations and does not constitute legal advice. PLDUnity generates the XML; the client submits it on the SPPLD portal unless contracting BDU's optional managed service.
OPERATIONAL TRACEABILITY · 3 OF 3
Centralizing files, threshold monitoring, EBR, watchlist screening, and SAT XML notices simplifies daily work for the compliance officer.
Separate identity verification tools vs. centralized compliance
When customer identification and document collection happen in an isolated tool, the compliance officer has to re-enter data to create the file, record the transactional profile, and monitor monthly and 6-month accumulations.
In PLDUnity, when a remote KYC verification is approved, the digital customer file is created automatically and the declared transactional profile feeds threshold monitoring and deviation detection.
Isolated XML generators vs. end-to-end compliance operation
Compliance obligations go beyond generating the monthly XML: reporting entities must assess risks (EBR), maintain an internal policy manual, train personnel, reconcile reached thresholds with filed notices, and retain records for 10 years.
PLDUnity integrates the EBR module, AML governance, Art. 41 evidence map, and 10-year portable ZIP archive, complemented by BDUnity's optional professional services (manuals, training, EBR advisory, and managed SAT filing).
Gaming, betting, contests & lotteries (Fracción I)
Physical casinos require in-person identification at the cashier window with immediate watchlist screening, while license holders overseeing multiple operators need visibility into each operator's compliance status.
PLDUnity includes cashier registration for physical casinos and a dedicated portal for license holders (with permit number) to view operators by status (up to date, pending, or at risk) and download operator history with audit logging.
FREQUENTLY ASKED QUESTIONS
Reporting entities in Mexico typically choose between four real-world paths: staying on spreadsheets (Excel), integrating a global KYC API, using a legacy list/XML utility, or adopting an end-to-end platform purpose-built for the LFPIORPI. Comparing these four archetypes lets you objectively evaluate how each category handles the 2025–2027 regulatory mandates.
We publish our monthly plans—Free account ($0 for 30 days), Esencial ($4,900 + VAT), Profesional ($9,900 + VAT), and Corporativo (from $19,900 + VAT)—alongside list query packages ($350 to $10,000 + VAT) and identity verification ($8 + VAT per person or packages from $375 to $25,000 + VAT) for complete cost predictability.
Yes. Our History Import module reads the official XML files you previously submitted to the SAT, automatically reconstructs your client directory, links historical operations, and stores your PDF/XML receipts with zero manual re-entry.
Global KYC vendors verify IDs and screen international lists at onboarding, but they do not know Mexico's LFPIORPI: they cannot track 6-month rolling UMA accumulation ($117.31 MXN in 2026), enforce Article 32 cash bans, run the Agreement 115/2026 EBR methodology, or generate the 19 SAT SPPLD XML schemas. PLDUnity unifies KYC and full Mexican regulatory execution.
PLDUnity is backed by BDUnity (BDU), offering an optional ecosystem of compliance manuals, AML/CFT training, specialized EBR advisory, and managed filing of notices before the SAT.
Spreadsheets lack immutable audit logs, cannot screen across the 7 official watchlist sources (UN, OFAC, OFSI, FBI, SAT 69-B, Unlocated, and PEP), and do not meet automated monitoring and accumulation requirements.
Most organizations configure their tax ID, import historical XMLs, and complete their first watchlist sweep in under 48 hours—without multi-month implementation projects.
OPERATIONAL CENTRALIZATION
Client files & beneficial owners + Threshold monitoring & accumulation + EBR assessment + 7-source watchlist alerts + SAT XML & zero-activity reports.
CONSULTING BACKING
Cloud platform backed by BDUnity, practicing AML compliance for Mexican reporting entities since 2012.
Book 30 minutes with the BDUnity team · info@pldunity.com · pldunity.com