Notaries and public brokers
Notary public and public broker offices.
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.
- Legal basis
- Art. 17, section XII (A & B)
- Identification threshold
- Always (for every covered deed or instrument)
- Reporting threshold
- 8,000 UMA real estate · 4,000 UMA trusts · Always for POAs & entities
- Art. 32 Cash Prohibition
- 8,025 UMA real estate · 3,210 UMA corporate acts
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
Rule engine for every Section XII sub-clause (12A & 12B)
Automatically enforces the threshold by legal act: 8,000 UMA for real estate deeds, 4,000 UMA for trusts, 8,025 UMA for broker appraisals and mandatory reporting for irrevocable POAs, company formations/capital changes and loans.
- 02Feature
Digital KYC file per grantor, party and attorney-in-fact
Drafting clerks send a link to each party before signing; AI extracts IDs, passports, tax certificates and corporate deeds, validating RFC, CURP and Beneficial Owners.
- 03Feature
Article 32 cash cap verification on public deeds
Verifies and logs payment instruments on every deed to ensure compliance with cash bans on real estate (8,025 UMA) and corporate share transfers (3,210 UMA).
- 04Feature
Automated 8-source screening before and after signing
Screens buyers, sellers, shareholders, borrowers and attorneys-in-fact against SAT 69-B, PEP, OFAC, UN, FBI and OFSI, attaching the certificate to the deed's file.
- 05Feature
Risk-Based Assessment (EBR) per grantor and instrument
Meets the mandatory March 2027 EBR methodology by scoring the risk of every grantor and notarized act automatically.
- 06Feature
Bulk Section XII XML (12A / 12B) validation & 10-year vault
Import the month's deeds from your notary software, validate line-by-line against the official SAT XSD before the 17th and retain acknowledgments for 10 years with SHA-256.
END-TO-END WORKFLOW
How PLDUnity runs end-to-end in your industry
A single connected workflow for real estate deeds, irrevocable powers of attorney, company formations/capital changes, trusts and loans—without re-keying data between spreadsheets and separate tools.
- 01KYC & Beneficial Owner
Identify every grantor, party, buyer, seller or shareholder
Send a verification link to each grantor or party before signing the deed or policy. AI extracts IDs, passports, tax certificates and corporate deeds, validating RFC/CURP and documenting the Beneficial Owner.
- 02UMA & Art. 32 Engine
Capture, aggregate & check cash caps
Import the month's deeds or policies from your notary management system via template or API. PLDUnity classifies each act (real estate 8,000 UMA, trusts 4,000 UMA, irrevocable POAs, companies and loans always) and checks cash caps.
- 037 List Sources + EBR 2027
Watchlist screening & EBR risk grade
Screen all grantors, attorneys-in-fact and shareholders against 7 watchlist sources (SAT 69-B, Unlocated, PEP, OFAC, UN, FBI, OFSI) before authorizing the instrument and compute the EBR risk grade for each act.
- 04SAT XSD + 10-Yr Vault
Validated XML report & SHA-256 evidence
Consolidate dozens or hundreds of reportable deeds each month into the official Section XII XML (12A or 12B), validated against the XSD schema before filing.
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.
Party onboarding without slowing down drafting clerks
Drafting attorneys stop spending hours transcribing IDs or chasing tax certificates: parties upload documents via link and AI extracts the fields.
From days of spreadsheet work to minutes before the 17th
Section XII has the most complex thresholds in the law because they vary by legal act. PLDUnity applies the exact rule to every deed without manual guesswork.
Protection against fines up to 65,000 UMA ($7.6M MXN)
Retain for 10 years the AML file, watchlist screening, EBR risk score and SHA-256 acknowledgment for every public instrument to face any inspection.
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
Engineered for the high document volume of notary and public broker offices: automatically classifies every Section XII sub-clause and validates multiple grantors per deed.
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 | Mistakenly applying the same threshold to a real estate deed (8,000 UMA), a trust (4,000 UMA) and an irrevocable power of attorney for acts of ownership (always reportable). | Built-in Section XII (Parts A & B) legal rule engine that evaluates each deed or policy against its exact sub-clause threshold. |
| Client KYC & watchlist screening | Re-keying grantor and payment instrument data at month-end, risking XML rejection over a single malformed RFC or catalog code. | Line-by-line pre-validation against the official SAT XSD schema: fix any grantor or property field before generating the final XML. |
| 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 Notaries and public brokers
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 Notaries and public brokers
Essential LFPIORPI obligations, identification criteria, and supervisory rules applicable to this activity.
The vulnerable activity with the most complex thresholds and highest monthly filing volume
Notaries public (Section XII, Part A) and public brokers (Part B) face the most granular regime in the LFPIORPI: every type of public instrument carries its own rule. Real estate transfers report from 8,000 UMA ($938,480 MXN at 2026 UMA); trusts from 4,000 UMA ($469,240 MXN); broker appraisals from 8,025 UMA; while irrevocable powers of attorney for acts of ownership/administration, company formations or equity changes, and loan contracts are reportable ALWAYS.
Managing dozens or hundreds of deeds per month—each involving multiple grantors and distinct sub-clauses—consumes hundreds of clerk hours when re-keyed manually.
Protocol integration and zero-rejection XSD validation
PLDUnity ingests deeds or policies from your notary management system via template or API, applies the exact sub-clause threshold, verifies that every grantor has a complete KYC file and 6-list screening, and generates the Section XII XML pre-validated against the official XSD schema.
FREQUENTLY ASKED QUESTIONS
Frequently asked questions
How does the platform know which threshold applies to each deed or policy?
When you classify the type of legal act (real estate, irrevocable POA, incorporation/capital change, share sale, trust, loan or appraisal), PLDUnity automatically applies that sub-clause's UMA threshold or mandatory reporting rule.
What happens when multiple buyers, sellers or shareholders appear in the same deed?
The platform links all grantors, attorneys-in-fact and Beneficial Owners participating in the same instrument, screening and validating each party's RFC/CURP before generating the XML.
How does PLDUnity work alongside Declaranot?
Across acts filed via Declaranot and those requiring the dedicated SPPLD XML (12A / 12B), PLDUnity maintains the unified KYC vault, 6-list screening, 2027 EBR risk matrix, server audit log and XSD-validated XML generation with 10-year retention.
How long must notary AML files and acknowledgments be retained?
Under the reformed LFPIORPI, KYC files, reports, acknowledgments and supporting records must be retained for 10 years. PLDUnity secures them with SHA-256 hashes and full portable exports.
What are the key 2026 MXN thresholds (UMA $117.31) for Notaries and Public Commercial Brokers?
Under Section XII using the 2026 UMA of $117.31 MXN: real estate transfers and rights (subsection A) require a notice from 8,025 UMA ($941,412.75 MXN); irrevocable powers of attorney for administration or ownership (subsection B) ALWAYS require a notice regardless of amount; corporate formations, capital changes, mergers/spin-offs (subsection C) and trusts (subsection D) require a notice from 8,025 UMA ($941,412.75 MXN).
How does the platform verify Article 32 cash restrictions before a deed or policy is executed?
When entering the payment breakdown of a deed, PLDUnity checks that no cash payment breaches Article 32 caps (8,025 UMA = $941,412.75 MXN for real estate; 3,210 UMA = $376,565.10 MXN for corporate share transfers) and structures the wire/check references required by the XML schema.
How does it streamline 25% Beneficial Owner tracking in corporate deeds and trusts?
For incorporations, capital increases, share transfers, and trusts, the KYC module maps all shareholders and trust parties, automatically flags individuals holding 25% or more (or effective control), and validates their XML nodes prior to export.
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