Armoring and cash in transit
Vehicle and building armoring, cash-in-transit and vault custody.
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.
- Legal basis
- Art. 17, sections IX & X
- Identification threshold
- 2,410 UMA ($282,717 MXN) armoring · 3,210 UMA transit
- Reporting threshold
- 4,815 UMA ($564,848 MXN) armoring · 3,210 UMA ($376,565 MXN) transit
- Armoring cash ban (Art. 32)
- 3,210 UMA ($376,565.10 MXN)
INTERACTIVE REGULATORY COCKPIT
Simulate AML Compliance for Your Industry
Calculated in real-time with official 2026 UMA ($117.31 MXN), Art. 17 notification thresholds and Art. 32 cash restrictions.
Art. 17 LFPIORPI
Identification on all operations; SAT XML report at 8,025 UMA and strict Art. 32 cash cap.
8,025 UMA ($941,412 MXN)
Identification threshold: Always (every deed/contract)
8,025 UMA ($941,412 MXN)
Exceeding this limit in cash constitutes a serious sanction under Art. 53.
Anexo 5
Cumulative 6-month threshold monitoring per client
CAPABILITIES FOR YOUR INDUSTRY
How PLDUnity helps
- 01Feature
Dual Section IX & Section X management in one account
Configure armoring thresholds (ID 2,410 UMA / Report 4,815 UMA) and cash-in-transit/custody thresholds (ID always / Report 3,210 UMA) inside the same company.
- 02Feature
Special rule for transit & custody with undeterminable amounts
When a sealed-envelope transit or vault custody service has no determinable peso amount, Mexican law requires reporting always: PLDUnity flags it automatically.
- 03Feature
Art. 32 cash cap lock on armoring services (3,210 UMA)
Flags any cash payment for vehicle or architectural armoring that reaches or exceeds 3,210 UMA ($376,565.10 MXN).
- 04Feature
Corporate KYC files & sender/recipient tracking
Collects the contracting client's corporate file, powers of attorney, Beneficial Owner and authorized pickup/delivery personnel via digital link.
- 05Feature
Automated 8-source screening & 2027 EBR risk engine
Screens your client base individually or in batches against SAT 69-B, OFAC, UN, PEP, FBI and OFSI (7 official watchlist sources) and recalculates monthly EBR risk grades.
- 06Feature
Section IX & X XML generation with SHA-256 hashes
Validates technical specs of the armored vehicle/property or custody service against the official SAT XSD before the 17th and retains records for 10 years.
END-TO-END WORKFLOW
How PLDUnity runs end-to-end in your industry
A single connected workflow for vehicle and building armoring, cash/valuables in transit and vault custody—without re-keying data between spreadsheets and separate tools.
- 01KYC & Beneficial Owner
Identify every contracting client, sender or recipient of valuables
Identify the client contracting armoring or transit/custody services via digital KYC link with AI validation of corporate deeds, powers of attorney, IDs, tax certificates and Beneficial Owners.
- 02UMA & Art. 32 Engine
Capture, aggregate & check cash caps
Log armoring orders (Section IX: ID 2,410 UMA / Report 4,815 UMA and 3,210 UMA cash cap) and transit/custody services (Section X: ID always / Report 3,210 UMA or whenever the amount is undeterminable).
- 037 List Sources + EBR 2027
Watchlist screening & EBR risk grade
Screen clients, beneficiaries and authorized pickup/delivery personnel individually or in batches against 7 watchlist sources (SAT 69-B, Unlocated, OFAC, UN, PEP, FBI, OFSI) and compute their EBR risk score.
- 04SAT XSD + 10-Yr Vault
Validated XML report & SHA-256 evidence
Generate the official Section IX and/or Section X XML files validated against their respective SAT XSD schemas before the 17th, linking acknowledgments with SHA-256 hashes.
MEASURABLE IMPACT
Tangible value for every area of your company
PLDUnity removes friction from commercial operations while giving your Compliance Officer and Board verifiable certainty.
Fast corporate contracting & authorized party control
Close armoring or cash-in-transit contracts faster by collecting the client's and their representatives' KYC files through a single digital link.
From days of spreadsheet work to minutes before the 17th
Handles the sector's critical edge cases: the 3,210 UMA cash cap on armoring payments and mandatory reporting for sealed-envelope custody where the value is undeterminable.
Protection against fines up to 65,000 UMA ($7.6M MXN)
Maintain a 10-year audit trail of every contract, transit order or vault custody service with strict role separation between operations and the Compliance Officer.
WHY CHOOSE PLDUNITY
The PLDUnity differentiator
Built in Mexico by BDUnity®, an AML compliance consultancy advising reporting entities since 2012.
Tailored to your exact Article 17 fraction
Natively models both armoring technical specifications (vehicle/building, ballistic levels and VINs) and cash-in-transit/vault custody rules.
Software with real consultants behind it
Created by BDUnity® (active since 2012). Every validation rule, annex checklist and audit package reflects real SAT inspections—not generic template software.
AI that accelerates, an Officer who decides
AI reads IDs, tax certificates and custom Excel columns in seconds, but every critical match, risk methodology and XML filing is confirmed by your Compliance Officer.
Google Cloud isolation & SHA-256 fingerprints
Each company runs isolated with TOTP 2FA, role-based segregation of duties, a server-only audit log and SHA-256 hashes on every XML, acknowledgment and 10-year export.
BEFORE & AFTER
Manual spreadsheets vs. PLDUnity in your industry
Why reporting entities replace disconnected folders and generic tools with a purpose-built LFPIORPI platform.
| Compliance dimension | Spreadsheets & disconnected tools | With PLDUnity® in your industry |
|---|---|---|
| 6-month UMA aggregation & thresholds | Leaving out sealed-envelope transit or vault custody services where no determinable peso amount is declared from the Section X report. | Built-in flag for transit/custody transactions with no determinable amount, automatically including them in the Section X XML report. |
| Client KYC & watchlist screening | Security groups offering both vehicle armoring (Section IX) and cash-in-transit (Section X) managing two separate manual trackers. | Multi-activity setup that simultaneously enforces Section IX (2,410 / 4,815 UMA) and Section X (always / 3,210 UMA) thresholds. |
| Monthly SAT XML preparation | Manual XML capture prone to schema errors, malformed RFCs/CURPs and last-minute rejections on the 17th. | Pre-validated against the official SAT XSD schema for your activity, plus one-click nil reports and linked acknowledgments. |
| 2027 Risk-Based Assessment (EBR) | Static Word document without individual client risk recalculation or historical audit trail. | Four-factor EBR engine with capped mitigants that recalculates every client's risk grade on the 2nd of each month. |
| SAT / UIF inspection readiness | Weeks spent gathering scattered PDFs, emails and acknowledgments across former employees' computers. | One-click audit package with server-written logs, SHA-256 integrity hashes and expiring read-only access for external auditors. |
ALL-IN-ONE PLATFORM
All 8 platform modules working together for Armoring and cash in transit
Your subscription includes the complete AML compliance suite—no hidden add-ons per module.
Transaction Upload (Excel, AI & API)
Validate every record against SAT catalogs with idempotency and 6-month accumulation.
UMA Threshold Monitoring
Automatic tracking of identification, reporting and Art. 32 cash caps in current UMA.
Digital Customer Files & Remote KYC
Remote link or QR with AI document reading (OCR), AI-assisted face match, and liveness test.
7-Source Watchlist Screening
UN, OFAC (SDN & consolidated), UK (OFSI), FBI, SAT 69-B, Non-Located & PEP queried per client, in batches, or manually.
2027 Risk-Based Assessment (EBR)
Four-factor risk methodology and per-client risk grade recalculated every month.
24-Hour Unusual Transactions
Automated case clock, red-flag analysis and documented Compliance Officer decisions.
SAT XML Generator (19 XSDs)
Pre-validated XML for your exact Article 17 fraction, one-click nil reports and acknowledgments.
10-Year SHA-256 Audit & Training
Immutable server log, 16-obligation self-assessment, AML courses and portable audit packages.
REGULATORY & OPERATIONAL GUIDE
Compliance Guidelines for Armoring and cash in transit
Essential LFPIORPI obligations, identification criteria, and supervisory rules applicable to this activity.
Two specialized sections that often coexist in security groups
In private security and valuables logistics, groups frequently provide vehicle or building armoring (Article 17, Section IX) alongside cash-in-transit or vault custody services (Section X). Each has distinct rules: armoring identifies from 2,410 UMA ($282,717.10 MXN), reports from 4,815 UMA ($564,847.65 MXN) and bans cash settlements from 3,210 UMA ($376,565.10 MXN); whereas transit and custody requires identification always and reporting from 3,210 UMA—or always whenever the safeguarded value cannot be determined.
Operational traceability across every contract, transit order and armored unit
PLDUnity lets you run both sections (or just the one that applies to your business) with dedicated validation for ballistic armoring levels, VINs, armored building addresses, transit routes and vault custody contracts, producing the exact XML files required by the SAT.
FREQUENTLY ASKED QUESTIONS
Frequently asked questions
Does vault custody or safe-deposit box rental fall under Section X?
Yes. Section X covers both transport and custody of cash or valuables. When the nature of the service (such as sealed custody) means the value cannot be determined, an XML report is always required.
What if our company only performs vehicle and architectural armoring?
Enable only Section IX in your account; the platform will enforce the 2,410 UMA identification threshold, 4,815 UMA reporting threshold and 3,210 UMA cash ban.
Are multiple armoring jobs or transit services for the same client accumulated?
Yes. PLDUnity sums services provided to the same client across rolling 6-month windows and alerts you as soon as the cumulative total crosses the reporting threshold.
Can we manage multiple legal entities of a security group in one account?
Yes. The Enterprise plan supports up to 5 group companies in a single account while keeping their files, audit logs and XML filings strictly separated.
What are the exact 2026 MXN thresholds (UMA $117.31) for Armoring (Section IX) and Cash-in-Transit (Section X)?
Using the 2026 daily UMA of $117.31 MXN: for Vehicle & Real Estate Armoring (Section IX), identification starts at 2,410 UMA ($282,717.10 MXN), the XML notice threshold is 4,815 UMA ($564,847.65 MXN), and the Article 32 cash limit is 3,210 UMA ($376,565.10 MXN). For Cash & Valuables Transit or Custody (Section X), both identification and XML reporting apply at 3,210 UMA ($376,565.10 MXN).
How is the Article 32 cash limit enforced on vehicle and architectural armoring contracts?
Article 32 prohibits accepting cash above 3,210 UMA ($376,565.10 MXN in 2026) for armoring services. PLDUnity checks every deposit and final payment instrument so your commercial team never breaches the statutory cap.
How do the EBR and Watchlist modules handle government entities, security firms, and PEPs?
Because armoring and custody providers frequently serve public officials and high-profile executives, the Screening module flags domestic and foreign PEPs immediately while the EBR engine triggers the Enhanced Due Diligence workflow required by March 1, 2027.
30-DAY FREE TRIAL · NO CREDIT CARD
Ready to automate AML compliance for Armoring and cash in transit?
Start your 30-day free trial with your own transactions or schedule a 30-minute walkthrough with BDUnity's compliance specialists.