Do you build, develop, mediate or get advances? Today you're an obligation.
Since 16 July 2025, the reform LFPIORPI (Article 17, Fr. V and V Bis) forces the real estate sector to identify, prove and preserve. biometric KYC and electronic signature NOM-151.
What reform requires
From the first act
No minimum threshold to identify the client
8,025 UMA
≈ $941,412.75 MXN - threshold for submitting notice
10 years
Mandatory maintenance of the file, subject to audit UIF
Today's performance is slow, expensive and risky
The manual identification process exposes agents, brokers and developers to fraud, loss of evidence and avoidable sanctions.
Unbound
copies of INE, print formats and face-to-face signatures that delay every operation and frustrate the client.
Risk of fraud
INE Retiring, suplanting and deepfakes that put at risk the validity of your contracts.
Vulnerable products
Physical seizures difficult to secure for 10 years and impossible to report to an audit.
Manual compliance
Notices, controller recipient and consultation of risk lists made by hand, prone to errors.
What really happened with the reform of 16 July 2025
| — | fraction V (already existed) | fraction V Bis (new, 2025) |
|---|---|---|
| What regulates | Construction, development and brokering of real estate | Receipt of resources for real estate development for sale or rent |
| Moment of risk | At write and market | From first advance or contribution before sale |
| Examples | Sales, broker and broker and lease with purchase option | Projected advances, construction inputs, trust resources |
| Warning threshold | 8,025 UMA (≈ $941,412.75 MXN) - same threshold for both fractions | |
| Name to identify | No exist - identification is required from first act | |
Your 4 obligations under Section 18
To identify the client
Current official document more copies, integrated into the file.
Know your activity or occupation
To register what the client does and the purpose of the operation.
To identify the Controller Beneficiaries
The natural person who controls ≥ 25% or receives the final benefit of the operation.
Keep full file
For 10 years, available for monitoring UIF at any time.
Penalties (art. 54)
200–2,000 UMA
Due to shortcoming or shortlisted notice.
10,000–65,000 UMA
Or up to 100% of the value of an act by omitting notices or using prohibited cash.
10 years
Mandatory maintenance of the file, subject to an audit by UIF.
From manual to automated
What you did by hand, now in less than an hour.
| Legal obligation | Typical manual process | With JAAK |
|---|---|---|
| Identificar cliente (Art. 18 Fr. I) | Photocopying INEvisual check | OCR + face biometrics and survival in seconds |
| Beneficiario Controlador (Fr. III) | To request a report and to have an analysis by hand | dedicated flow for moral person, same engines KYC |
| Risk lists / PEP (Fr. VIII) | Consultas manuales a portales separados | Automatic cross OFAC, Interpol, SAT 69-B, PEP in real time |
| Keep file 10 years (Fr. IV) | Physical archived or scattered folders | Ecified digital vault + time seal NOM-151 |
| Signature of contract | Factual sign or PDF with robust validity | Electronic signature NOM-151, verifiable integrity for 10 years |
JAAK automates identification, evidence and conservation. SATThe Policy Manual and Annual Training remains the responsibility of the person concerned. JAAK He's with you, but his name isn't his name.
How works
A digital flow, from start to finish.
Capture
The client goes up his INE or a passport and takes a life-proof selfie from his phone, without installing anything.
Validation AI
OCR and face biometrics compare document and face and detect alterations or attempts at fraud in seconds.
Compliance
Automatic list consultation OFAC, PEPand SAT 69-B, more information about the Controller Beneficiaries.
Signature + Archive
The contract is signed with Electronic Signature NOM-151 and the complete file remains in digital vault for 10 years.
The file does nothing if the contract has no legal certainty
The NOM-151 attests to and date of a document - not the identity of the sign, that's guaranteed by KYCEach sign includes a time stamp RFC 3161, issued by a PSC (CODEX) accredited to the Ministry of Economics with at least 10 years.
Know about electronic signature NOM-151 of JAAK →Certificates that support each file
Thousands of checks a month with 100% technologies made in Mexico.
ISO 9001
Quality management certification, accredited by NYCE / IQNet.
ISO 27001
Information security certification, accredited by NYCE / IQNet.
iBeta Level 1 / NIST
Liveness detection (liveness) attested against presentation attacks.
NOM-151 with PSC CODEX
A time stamp certified by an accredited certification service provider.
Servers in Mexico
Infrastructure aligned with data saving requirements of CNBV.
Without forced contracts, without knowing about technologies and without relying on your IT equipment.
It's an I.D. Proof.
Let us have to fulfill LFPIORPI That's the easiest thing about your operation.
FAQ
What's FUNCTION V BIS LFPIORPI?
That was incorporated into Article 17 of LFPIORPI by the reform published at the DOF on 16 July 2025. It considers that the collection of resources intended to conduct an Intangible Development intended to be its sale or rent, including advances and contributions channelled through trust, will be vulnerable.
Can a developer fall into both fractions at once?
That's right: at the V Bis when you get resources to fund the project, and at the V when you build, market or sell. It requires double controls.
From what amount do I have to identify my client?
There is no minimum threshold to start identification under sections V and V Bis: the client file must be built from the start of the relationship or transaction. The threshold of 8,025 UMA (approximately $941,412.75 MXN) applies only to the obligation to file the Notice with the authority.
What if I don't?
The sanctions range from 200 to 2,000 UMA and from 10,000 to 65,000 UMA (or up to 100% of the value of the act) for omitting notices or accepting prohibited cash payments as referred to in Article 54 of LFPIORPI. The file should be kept for 10 years and can be audited by UIF.
Does JAAK replace registration in the SAT's Vulnerable Activities Registry (Padrón de Actividades Vulnerables)?
No. JAAK It automates the identification, evidence and maintenance of the file and its release, policy manual and annual training remains an obligation.