Gaming and betting
Casinos, raffles and betting, on site and online.
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.
- Legal basis
- Art. 17, section I
- Identification threshold
- 325 UMA ($38,125 MXN)
- Reporting threshold
- 645 UMA ($75,664 MXN)
- Cash cap (Art. 32)
- 3,210 UMA ($376,565 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
Continuous per-player accumulation (325 & 645 UMA)
Automatically sums deposits, chip purchases, top-ups and withdrawals per player across rolling 6-month windows, unifying physical venue and online play at the current UMA rate.
- 02Feature
Cashier Registration module for physical venues
Cashiers identify players at the window, check their running total in real time, run instant watchlist screening and log payment instruments without holding up the line.
- 03Feature
Remote KYC verification for online players
Send a mobile link to capture government ID or passport, selfie with AI-assisted facial comparison and tax certificate parsed by AI before releasing prize withdrawals.
- 04Feature
Art. 32 cash cap & 24-hour unusual activity alerts
Flags cash transactions above the 3,210 UMA ($376,565 MXN) legal ban and detects chip structuring or atypical cash-outs with a 24-hour case clock.
- 05Feature
Automated 8-source screening & 2027 EBR risk engine
Screens your player registry individually or in batches against UN, OFAC, SAT 69-B, PEP, FBI and OFSI (7 official watchlist sources) and recalculates monthly player risk grades.
- 06Feature
Validated Section I XML & multi-operator license
Generates the monthly XML using official SAT cashier catalog codes validated against the XSD schema, links the SHA-256 acknowledgment and supports multiple venues in one account.
END-TO-END WORKFLOW
How PLDUnity runs end-to-end in your industry
A single connected workflow for deposits, chip purchases, wagers and withdrawals—without re-keying data between spreadsheets and separate tools.
- 01KYC & Beneficial Owner
Identify every player
Identify the player at the counter with the Cashier Registration module or via remote mobile link for online betting (ID/Passport, selfie liveness check and tax certificate parsed by AI).
- 02UMA & Art. 32 Engine
Capture, aggregate & check cash caps
Consolidate physical venue and online platform transactions via API or Excel template. The engine sums deposits, top-ups and withdrawals per player across 6-month rolling windows and flags cash above 3,210 UMA.
- 037 List Sources + EBR 2027
Watchlist screening & EBR risk grade
Screen players individually or in batches against 7 official sources (SAT 69-B, Unlocated, OFAC, UN, PEP, FBI, OFSI) and recalculate EBR risk grades based on betting frequency, amounts and payment instruments.
- 04SAT XSD + 10-Yr Vault
Validated XML report & SHA-256 evidence
Generate the Section I XML using the SAT's official cashier instrument catalogs, validated against the XSD before the 17th. Link the SAT acknowledgment and retain evidence for 10 years with SHA-256.
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 cashier desks and 2-minute player onboarding
Cashiers see the player's running total on a single screen, capture IDs without holding up the line, and online players complete KYC on their phone before cashing out.
From days of spreadsheet work to minutes before the 17th
Stop merging spreadsheets across physical venues and online platforms. Semiannual per-player aggregation and structuring alerts run automatically.
Protection against fines up to 65,000 UMA ($7.6M MXN)
Manage multiple venues or brands under one multi-operator Enterprise account, with role-based permissions for cashiers, floor managers 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
Our first production client is a licensed gaming operator: the Cashier Registration module and multi-operator architecture were built directly around real casino workflows in Mexico.
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 | Players splitting chip purchases across different cages or days without anyone tracking the 6-month 645 UMA reporting threshold. | Continuous per-player accumulation across all venues and online channels, with preventive alerts before crossing 325 and 645 UMA. |
| Client KYC & watchlist screening | Cashiers typing details by hand at the window without screening PEP or SAT 69-B lists before paying out winnings. | Dedicated Cashier Registration module with instant 7-source screening and 24-hour case creation on critical matches. |
| 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 Gaming and betting
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 Gaming and betting
Essential LFPIORPI obligations, identification criteria, and supervisory rules applicable to this activity.
The AML compliance challenge in casinos, raffles and online betting
Gaming and betting operators—both in physical venues and online—handle some of the highest transaction volumes under Article 17 of Mexico's LFPIORPI. A single player can make dozens of small chip purchases, deposits or withdrawals that individually stay below the threshold, but over a 6-month rolling window cross 325 UMA ($38,125.75 MXN at 2026 UMA) for identification or 645 UMA ($75,664.95 MXN) for SAT reporting.
Tracking those aggregations in spreadsheets or disconnected systems between the cage and the online platform leads to missed reports, incomplete KYC files at payout time and audit exposure.
How PLDUnity unifies venue and online gaming compliance
PLDUnity went into production alongside a Mexican gaming operator. It combines the Cashier Registration module for physical cages with real-time API or file ingestion for online platforms. Every deposit, wager or withdrawal feeds the player's single KYC file, updates their 6-month UMA accumulation, triggers 6-list screening and recalculates their monthly EBR risk grade.
Before the 17th of each month, your Compliance Officer generates the Section I XML pre-validated against the official SAT XSD schema, attaches the SAT acknowledgment with a SHA-256 hash and retains all evidence for 10 years.
FREQUENTLY ASKED QUESTIONS
Frequently asked questions
Does it work for both physical casinos and online betting platforms?
Yes. Online activity streams in via REST API or file upload, while physical cage transactions are logged through the Cashier Registration module. Both consolidate into the same per-player running total.
How do I verify an online player before paying out winnings?
Send a unique KYC verification link to their phone or email. They upload their ID or passport, take a liveness selfie and attach their tax certificate; AI extracts and validates the data in seconds.
What if we operate multiple venues, brands or licenses?
The Enterprise plan includes multi-operator support: manage up to 5 legal entities or venues from one corporate account, each with its own users, cashiers, audit log and XML filings.
Does the platform enforce the Article 32 cash restriction?
Yes. In gaming and betting, cash settlements above 3,210 UMA ($376,565.10 MXN at 2026 UMA) are prohibited. PLDUnity immediately flags any transaction that approaches or breaches that cap.
Is it ready for the mandatory 2027 Risk-Based Assessment (EBR)?
Yes. The EBR engine evaluates all four statutory risk elements, applies capped mitigants and recalculates every player's risk grade (Low, Medium, High) on the 2nd of each month.
What are the exact 2026 MXN thresholds (UMA $117.31) for gaming, betting, and lotteries?
Using the 2026 daily UMA of $117.31 MXN, the 325 UMA identification threshold equals $38,125.75 MXN and the 645 UMA notice threshold equals $75,664.95 MXN (either in a single transaction or via 6-month rolling accumulation across wagers or prize payouts). The Article 32 cash ban (3,210 UMA) stands at $376,565.10 MXN.
What happens if a player buys chips or cashes out several times a month below $75,664 MXN?
Whenever individual transactions meet the identification threshold (325 UMA = $38,125.75 MXN), the monitoring engine sums them across a rolling 6-month window. As soon as the player's cumulative total reaches 645 UMA ($75,664.95 MXN), PLDUnity queues them for that month's XML filing.
30-DAY FREE TRIAL · NO CREDIT CARD
Ready to automate AML compliance for Gaming and betting?
Start your 30-day free trial with your own transactions or schedule a 30-minute walkthrough with BDUnity's compliance specialists.