Art
Art galleries, auction houses, art fairs and dealers.
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.
- Legal basis
- Art. 17, section VII
- Identification threshold
- 2,410 UMA ($282,717 MXN)
- Reporting threshold
- 4,815 UMA ($564,847 MXN)
- 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
Section VII thresholds (2,410 & 4,815 UMA)
Identifies every auction or gallery sale from $282,717.10 MXN (2,410 UMA) and triggers SAT reporting from $564,847.65 MXN (4,815 UMA) per sale or accumulated over 6 months.
- 02Feature
Private remote verification for collectors and art advisors
Send a private link before bidding or fair delivery; collectors upload their ID or passport from their phone, and representative purchases document the Beneficial Owner.
- 03Feature
Full support for international collectors
Onboards foreign collectors at art fairs or online auctions with AI passport extraction, address verification and automatic SAT generic RFC assignment.
- 04Feature
Article 32 cash cap control at 3,210 UMA
Ensures no artwork settlement is accepted in cash at or above $376,565.10 MXN (3,210 UMA), validating domestic and international wire instruments.
- 05Feature
Automated 8-source screening (OFAC, UN, OFSI, PEP, 69-B)
Screens buyers, bidders and consignors against 8 official international and Mexican watchlist sources, logging every Compliance Officer resolution.
- 06Feature
Section VII XML report & confidential Google Cloud vault
Generates the artwork XML validated against the SAT XSD before the 17th, with strict tenant isolation per gallery and 10-year SHA-256 retention.
END-TO-END WORKFLOW
How PLDUnity runs end-to-end in your industry
A single connected workflow for in-room or online auctions and gallery or art fair sales—without re-keying data between spreadsheets and separate tools.
- 01KYC & Beneficial Owner
Identify every collector, bidder or buyer
Verify domestic and international collectors (with passport and tax/migration records) or their representatives through a private link before bidding or artwork delivery.
- 02UMA & Art. 32 Engine
Capture, aggregate & check cash caps
Record auction hammer sales and gallery or art fair transactions. The system converts amounts to MXN, checks against 2,410 and 4,815 UMA, accumulates 6-month purchases per collector and enforces the 3,210 UMA cash cap.
- 037 List Sources + EBR 2027
Watchlist screening & EBR risk grade
Screen buyers, consignors and beneficial owners against 7 international and domestic watchlist sources (OFAC, UN, OFSI, FBI, PEP, SAT 69-B, Unlocated) individually or in batches.
- 04SAT XSD + 10-Yr Vault
Validated XML report & SHA-256 evidence
Generate the official Section VII XML with artwork description, medium, artist and settlement details, validated against the SAT XSD before the 17th.
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.
Discretion for collectors at art fairs and auctions
Whether at an international art fair, private viewing room or online auction, the collector or their art advisor completes KYC via a private link without paper forms.
From days of spreadsheet work to minutes before the 17th
In the art market, nearly any significant work exceeds 2,410 UMA ($282,717 MXN). PLDUnity keeps each collector's file current for future acquisitions without asking for documents twice.
Protection against fines up to 65,000 UMA ($7.6M MXN)
Demonstrate rigorous due diligence to the SAT and correspondent banks on domestic and cross-border wires for artwork sales and consignments.
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
Tailored to galleries and auction houses: handles remote bidders, foreign collectors, consignments and strict data confidentiality on Google Cloud.
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 | Art fair or auction sales where the buyer is foreign or acts through an advisor without documenting the Beneficial Owner. | Dedicated KYC workflows for Mexican nationals, foreign nationals (passport and generic RFC) and legal entities with Beneficial Owner records. |
| Client KYC & watchlist screening | Collectors acquiring two works in a semester that individually stay under 4,815 UMA ($564,847 MXN) but together trigger a mandatory report. | Automatic 6-month accumulation per collector and one-click generation of the Section VII XML report. |
| 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 Art
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 Art
Essential LFPIORPI obligations, identification criteria, and supervisory rules applicable to this activity.
Confidentiality, international collectors and high ticket values in the art market
For galleries and auction houses (Article 17, Section VII), average artwork prices mean nearly every significant sale crosses the 2,410 UMA ($282,717.10 MXN at 2026 UMA) identification threshold and frequently the 4,815 UMA ($564,847.65 MXN) reporting threshold—either in a single acquisition or across two works bought within six months.
Moreover, the art world operates with foreign collectors at international fairs, telephone/online bidders and art advisors where the law requires identifying the true Beneficial Owner behind the funds.
Protecting your gallery or auction house without disrupting the collector experience
PLDUnity replaces insecure email or WhatsApp document exchanges with an encrypted verification link isolated on Google Cloud. Once a collector is verified in your KYC vault, future gallery or auction acquisitions reuse their active file, automatically update their 6-month running total and generate the Section VII XML ready for the SAT.
FREQUENTLY ASKED QUESTIONS
Frequently asked questions
Do art fair sales and online auctions fall under Section VII?
Yes. The law covers the habitual or professional auction or sale of works of art regardless of whether the transaction takes place in the gallery, at an art fair or online.
What if an art advisor or corporate entity buys a work on behalf of a collector?
The KYC file records both the transacting representative and the Beneficial Owner on whose behalf the artwork is acquired, satisfying statutory identification rules.
What is the cash limit when selling a work of art?
Under Article 32 Section IV of the LFPIORPI, cash settlements for works of art at or above 3,210 UMA ($376,565.10 MXN in 2026) are prohibited.
How is our collectors' privacy protected?
Each gallery runs in an isolated Google Cloud tenant with role-based access control, mandatory TOTP 2FA for administrators and an immutable server log of every file view.
What are the exact 2026 MXN thresholds (UMA $117.31) for art galleries and auction houses?
Under Section VII (auction or sale of fine art), using the 2026 daily UMA of $117.31 MXN, the 2,410 UMA identification threshold equals $282,717.10 MXN, the 4,815 UMA XML notice threshold equals $564,847.65 MXN (individually or accumulated over 6 months), and the Article 32 cash cap (3,210 UMA) equals $376,565.10 MXN.
What if a collector buys two works for $300,000 MXN each at different exhibitions within 6 months?
Each acquisition exceeds the identification threshold (2,410 UMA = $282,717.10 MXN). While neither crosses 4,815 UMA ($564,847.65 MXN) alone, their 6-month sum ($600,000 MXN) exceeds the notice threshold—so PLDUnity automatically links both works and includes them in that month's XML filing.
How are foreign-currency sales (USD or EUR) evaluated against UMA thresholds?
PLDUnity converts USD or EUR sales using the official exchange rate on the transaction date to evaluate exact UMA equivalents and documents both the buyer and any 25% Beneficial Owner.
30-DAY FREE TRIAL · NO CREDIT CARD
Ready to automate AML compliance for Art?
Start your 30-day free trial with your own transactions or schedule a 30-minute walkthrough with BDUnity's compliance specialists.