Real estate
Construction, sales and brokerage of real 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.
- Legal basis
- Art. 17, section V
- Identification threshold
- Always (every transaction)
- Reporting threshold
- 8,025 UMA ($941,412 MXN)
- Cash cap (Art. 32)
- 8,025 UMA ($941,412.75 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
Mandatory identification from the first reservation
Under Section V, identification applies ALWAYS regardless of amount. Send a link to buyer and seller to assemble the AI-validated KYC file before signing the purchase agreement.
- 02Feature
Aggregation of reservations, down payments and installments
Sums every partial payment per property and buyer across pre-sales to pinpoint the exact month the 8,025 UMA ($941,412.75 MXN) reporting threshold is crossed.
- 03Feature
Strict enforcement of the Art. 32 cash ban
Mexican law prohibits settling real estate transactions in cash or precious metals at or above 8,025 UMA ($941,412.75 MXN). PLDUnity validates payment instruments and flags any breach.
- 04Feature
Files for individuals, legal entities and trusts
Automatically enforces the required Annex document checklist (ID, tax certificate, corporate deed, powers of attorney and Beneficial Owner) with expiry tracking.
- 05Feature
Automated 8-source screening from reservation to deed
Screens buyers, sellers, co-buyers and shareholders against SAT 69-B, OFAC, UN, PEP, FBI and OFSI throughout the entire transaction lifecycle.
- 06Feature
Section V XML report with property & registry details
Generates the official XML with property specs, location, registry folio and payment instruments validated against the SAT XSD, retaining everything for 10 years with SHA-256.
END-TO-END WORKFLOW
How PLDUnity runs end-to-end in your industry
A single connected workflow for reservations, down payments, installments and closings—without re-keying data between spreadsheets and separate tools.
- 01KYC & Beneficial Owner
Identify every buyer, seller or principal
From the first reservation or purchase agreement, send a link to buyer and seller. The platform requests the required Annex documents (individual, legal entity or trust), reads IDs and tax certificates with AI and records the Beneficial Owner.
- 02UMA & Art. 32 Engine
Capture, aggregate & check cash caps
Record the reservation, down payment and each installment. PLDUnity accumulates payments per property/client, checks that cash does not exceed the 8,025 UMA cap under Art. 32 and applies the UMA in force on each date.
- 037 List Sources + EBR 2027
Watchlist screening & EBR risk grade
Screen buyers, sellers, attorneys-in-fact and shareholders against 7 watchlist sources (SAT 69-B, Unlocated, OFAC, UN, PEP, FBI, OFSI) per client or in batches from pre-sale through closing, calculating their EBR risk grade.
- 04SAT XSD + 10-Yr Vault
Validated XML report & SHA-256 evidence
When the transaction value or accumulated installments cross 8,025 UMA, generate the Section V XML with property registry details, location and payment instruments validated against the SAT XSD.
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.
From reservation to deed without delaying closing
Your broker sends a link via WhatsApp or email and the buyer uploads their ID, proof of address and tax certificate in minutes—validated before reaching the notary.
From days of spreadsheet work to minutes before the 17th
In real estate, client identification applies ALWAYS, even below the reporting threshold. PLDUnity ensures no deal closes without a complete KYC file and watchlist screening.
Protection against fines up to 65,000 UMA ($7.6M MXN)
Protect your brokerage or builder during SAT inspections covering up to 10 years of closings, with every deed, payment record and acknowledgment secured by SHA-256.
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
Built for Mexico's real estate cycle: tracks reservations, multi-month installments, co-buyers, corporate entities and the 8,025 UMA Art. 32 cash cap.
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 | Accepting reservations and down payments without assembling the KYC file or identifying the Beneficial Owner until weeks later. | Digital verification link at reservation: the file is assembled, AI-validated and screened against 7 list sources before funds are accepted. |
| Client KYC & watchlist screening | Losing track of installment payments across a 12-to-18-month pre-sale and missing the exact month the 8,025 UMA threshold was crossed. | Automatic installment accumulation per transaction and client, pinpointing the exact month the XML report must be filed. |
| 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 Real estate
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 Real estate
Essential LFPIORPI obligations, identification criteria, and supervisory rules applicable to this activity.
Why real estate is one of Mexico's most heavily audited AML sectors
Real estate construction, sales and brokerage (Article 17, Section V) require identifying the client in every single transaction and filing a report with the SAT whenever the transaction reaches or exceeds 8,025 UMA ($941,412.75 MXN at the 2026 UMA of $117.31). In practice, nearly every residential, commercial or industrial sale crosses that threshold.
Operational risk arises when sales agents accept reservations or sign purchase agreements before assembling a complete KYC file and Beneficial Owner record, or when multi-month pre-sale installments are tracked in spreadsheets that miss the exact reporting month.
From reservation to SAT acknowledgment without slowing down sales
With PLDUnity, your broker sends a digital verification link to the buyer at reservation. The client uploads their ID, proof of address and tax certificate from their phone; AI extracts the fields, validates RFC and CURP and runs immediate 6-list screening.
Every subsequent payment is logged against the same transaction, enforcing the 8,025 UMA Article 32 cash cap and generating the Section V XML ready for the SAT portal before the 17th.
FREQUENTLY ASKED QUESTIONS
Frequently asked questions
If the sale closes before a notary public, does the agency or builder still have to file a report?
Yes. Each reporting entity is responsible for its own vulnerable activity: the notary files under Section XII and the builder, seller or broker must file its own report under Section V.
What happens when a property is paid via a down payment and 12 or 24 monthly installments?
PLDUnity accumulates each partial payment tied to the transaction. Once the accumulated sum or contracted price reaches 8,025 UMA ($941,412.75 MXN), the platform includes it in that period's XML report.
What is the maximum cash allowed in a real estate transaction?
Under Article 32 of the LFPIORPI, cash settlements for real estate transfers at or above 8,025 UMA ($941,412.75 MXN in 2026) are strictly prohibited.
What if our company also receives third-party investor funds to build the development?
You can enable both Section V (sales/brokerage) and the new Section V Bis (receiving funds for real estate development, added in the July 2025 reform) inside the same company account.
What are the exact 2026 MXN thresholds (UMA $117.31) for real estate sales and brokerage?
Under Section V (construction, brokerage, or sale of real estate), client and Beneficial Owner KYC identification is mandatory for EVERY transaction regardless of amount. Both the monthly XML notice threshold and the Article 32 maximum cash limit stand at 8,025 UMA—equal to $941,412.75 MXN in 2026.
How do we document the Beneficial Owner when a corporation or trust buys or sells property?
Under the LFPIORPI reform, the equity threshold dropped to 25%. PLDUnity's KYC vault maps the corporate shareholding or trust structure, automatically flags every individual holding 25% or more (or effective control), screens them across all 7 watchlists, and populates their mandatory nodes in the Annex 5 XML.
How does the platform prepare our brokerage or developer for the March 1, 2027 EBR mandate?
PLDUnity includes a pre-built real estate EBR matrix (weighing buyer type, trust structures, PEP status, geographic origin of funds, and payment instruments) alongside the Compliance Manual generator required by March 1, 2027.
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