AML compliance engineered for your specific industry.
Every vulnerable activity under Article 17 of Mexico's LFPIORPI carries its own UMA thresholds, Article 32 cash caps, KYC annexes and official SAT XSD schema. PLDUnity models your industry's exact rules in one connected workflow.
SOLUTIONS BY INDUSTRY · ART. 17 LFPIORPI
See how PLDUnity runs in your vulnerable activity
Select your industry to explore its 2026 UMA thresholds, cash caps, step-by-step workflow, benefits for commercial and compliance teams, and the PLDUnity differentiator.
Art. 17, section IGaming and betting
Continuous per-player accumulation across physical venues and online platforms, counter cashier registration, remote KYC links, Automated 8-source screening and validated Section I XML reports ready before the 17th.
Art. 17, section IICards
Track both Section II threshold regimes on a single platform: service and non-bank credit cards (805 and 1,285 UMA) plus prepaid cards, vouchers, coupons and e-wallets (645 UMA), with API ingestion and XSD-validated XML reports.
Art. 17, section VReal estate
End-to-end compliance for real estate agencies, builders and brokers: mandatory client identification from reservation, down-payment and installment aggregation, Art. 32 cash cap control (8,025 UMA) and validated Section V XML reports.
Art. 17, section V BisReal estate development
Comply today with the new Section V Bis introduced by the 2025 LFPIORPI reform: mandatory identification of every investor, pre-sale buyer or trust settlor, contribution aggregation from 8,025 UMA and the 2027 EBR risk matrix.
Art. 17, section VIIIVehicles
Automate AML compliance across your dealership or automotive group: digital KYC file before vehicle handover, strict Art. 32 cash cap enforcement (3,210 UMA), fleet aggregation and validated Section VIII XML reports.
Art. 17, section VIPrecious metals, stones and jewelry
Discreet, precise compliance for jewelry and watch retailers: digital in-boutique KYC from 805 UMA, repeat-purchase aggregation for reporting from 1,605 UMA and strict enforcement of the 3,210 UMA cash ban.
Art. 17, section VIIArt
AML compliance tailored for the art market: private remote verification for domestic and international collectors, identification from 2,410 UMA, reporting from 4,815 UMA and strict enforcement of the 3,210 UMA cash cap.
Art. 17, section XIIIDonations
Clear, accessible AML compliance for non-profits: automatic aggregation of one-time and recurring gifts per donor, identification from 1,605 UMA, SAT 69-B and PEP screening, and validated Section XIII XML reports.
Art. 17, section XIProfessional services
Comply with Section XI for your own firm and manage AML compliance for your clients on one platform: AI-powered KYC and Beneficial Owner links, Automated 8-source screening and XSD-validated XML reports.
Art. 17, section XII (A & B)Notaries and public brokers
Streamline high-volume compliance for notary and public broker offices: automated rules for every Section XII sub-clause (8,000 UMA real estate, 4,000 UMA trusts, always for irrevocable POAs, companies and loans), per-grantor KYC files and validated XML reports.
Art. 17, sections IX & XArmoring and cash in transit
Manage Section IX (Armoring) and Section X (Cash-in-transit and custody) on one platform: dual threshold tracking, automatic flagging for undeterminable custody amounts, Art. 32 cash cap lock (3,210 UMA) and XSD-validated XML reports.
Art. 17, section XVIVirtual assets
API-first AML infrastructure for virtual assets after the 2025 reform: mandatory identification in every transaction, real-time aggregation for the new 210 UMA ($24,635.10 MXN) reporting threshold, Automated 8-source screening and 24-hour cases.
OFFICIAL THRESHOLD MATRIX · 2026 UMA ($117.31 MXN)
Full coverage across all Article 17 vulnerable activities
Includes the new Section V Bis (receiving funds for real estate development) and the updated 210 UMA threshold for virtual assets introduced by the July 16, 2025 reform.
- Gaming, raffles and betting
- Service, credit, prepaid and voucher cards
- Traveler's checks
- Loans and credit
- Real estate
construction, development and brokerage
- Receiving funds for real estate development
- Precious metals, stones, jewelry and watches
- Auction and sale of works of art
- Sale of land, air and sea vehicles
- Armoring of vehicles and buildings
- Cash and valuables in transit or custody
- Independent professional services
- Notaries and public brokers
- Receiving donations
- Foreign trade and customs brokers
- Real estate leasing
- Virtual asset transactions
Platform Architecture
One regulatory engine, configured to your industry's rules.
Whether you stream thousands of daily trades via API or process dozens of public deeds a month, every vulnerable activity gets PLDUnity's 6 core capabilities.
FREQUENTLY ASKED QUESTIONS
Frequently asked questions about vulnerable activities and LFPIORPI thresholds
How do I know if my company's operations qualify as a Vulnerable Activity under Article 17?
Article 17 of Mexico's LFPIORPI designates 17 non-financial business activities subject to AML supervision—ranging from real estate brokerage, property development, auto dealerships, jewelry, and lending to gaming, virtual assets, notaries, nonprofits, and professional services. Performing any of these activities on a habitual or professional basis makes your entity a reporting subject before the SAT and UIF.
What is the difference between the Identification Threshold and the Notice Threshold?
The Identification Threshold defines the UMA amount starting from which you must collect a complete KYC and Beneficial Owner file prior to the transaction (in several activities, identification applies to every transaction regardless of amount). The Notice Threshold defines the UMA amount (individually or accumulated over 6 months) that triggers a mandatory XML filing by the 17th of the following month.
How does the 2026 UMA value ($117.31 MXN) affect our industry thresholds?
All identification, reporting, and cash-restriction thresholds in the LFPIORPI are denominated in UMA (Unidad de Medida y Actualización). Effective February 1, 2026, the daily UMA rose to $117.31 MXN (up from $113.14 MXN in 2025). PLDUnity automatically applies the exact historical UMA rate based on each transaction's date.
How does the 6-month rolling accumulation rule work across industries?
When a client executes multiple transactions that individually meet the identification threshold without crossing the notice threshold, the law requires summing them across a rolling 6-month window. As soon as the cumulative total reaches your activity's notice threshold, those operations must be reported in that month's XML notice.
Which activities have strict cash prohibitions under Article 32 of the LFPIORPI?
Article 32 strictly prohibits accepting cash or precious metals above specific UMA caps: 8,025 UMA ($941,412.75 MXN in 2026) for real estate transactions, and 3,210 UMA ($376,565.10 MXN in 2026) for vehicles, jewelry/watches/precious metals, fine art, gaming/betting, corporate share transfers, armoring, and high-value leases.
What if our company performs more than one Vulnerable Activity under the same tax ID (RFC)?
Many companies span multiple sections—for example, a real estate group handling brokerage (Section V), direct financing (Section IV), and development funding (Section V Bis), or an auto group selling vehicles (Section VIII) and armoring (Section IX). PLDUnity lets you activate multiple sections under one RFC with separate threshold tracking and XML schemas.
Do all vulnerable activities have to meet the March 1 and June 1, 2027 deadlines?
Yes. The LFPIORPI reform and Agreement 115/2026 apply across all Article 17 activities: by March 1, 2027 entities must implement an EBR methodology, client risk scoring, 25% Beneficial Owner tracking, and an updated Compliance Manual; by June 1, 2027 they must operate automated transaction monitoring and alert systems.
LFPIORPI REFORM · 2027 DEADLINES
March 1, 2027 arrives with or without a platform.Arrive with us.
Configure your vulnerable activity today with a 30-day free trial or book a walkthrough with BDUnity's compliance specialists.
Built in Mexico by BDUnity®, AML compliance consultancy since 2012 · info@pldunity.com