Compliance isn't an afterthought. It's our foundation.
Every product we ship, every transaction we process, and every customer we onboard operates under the full weight of our CNBV license. This page exists so you can verify that for yourself.
Regulatory Status
Licensed by Mexico's financial regulator
The CNBV is Mexico's equivalent of the SEC and banking regulator combined. Our license is public, verifiable, and renewed annually.
CNBV — Comisión Nacional Bancaria y de Valores
Registered Money Transmitter
RECC-TDD folio 22443
Vizum Technologies, S.A.P.I. de C.V. — Mexico City
Verify our license at cnbv.gob.mx
What CNBV licensing means
Mexico's CNBV conducts rigorous reviews of capital adequacy, AML controls, management fit-and-proper checks, and operational resilience before granting a money transmitter license.
What it means for your business
Your funds flow through a regulated institution with enforceable obligations, not a payment aggregator that could lose access to rails overnight.
Annual compliance obligations
License holders must submit annual audit reports, maintain capital reserves, and meet ongoing CNBV reporting requirements — or lose the license.
Anti-Money Laundering
Full PLD / AML program
Mexico's Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita (LFPIORPI) requires us to maintain and publish a formal Prevención de Lavado de Dinero (PLD) program. Here's what that means in practice.
Transaction monitoring
Automated real-time monitoring of all transactions against CNBV typology rules and global sanctions lists.
KYC / KYB for every customer
Identity verification (KYC) for individuals and full business verification (KYB) including beneficial ownership.
Suspicious Transaction Reports
STRs are filed with the CNBV Unidad de Inteligencia Financiera (UIF) when required by regulation.
Compliance officer on staff
A dedicated compliance officer oversees our AML program and maintains direct CNBV reporting lines.
KYC / KYB onboarding
What we verify before you go live. Our streamlined onboarding includes:
Business verification
Legal entity, incorporation documents, tax registration (RFC)
Beneficial ownership
Identification of all owners with 25%+ control
Sanctions screening
OFAC, EU, UN, and Mexican UIF blacklist checks
Account activation
Compliance approval → ready to transact
Security
Bank-grade security. Better than legacy institutions.
Traditional banks run 30-year-old security stacks. We were born cloud-native and implement modern security practices from day one.
TLS 1.3 in transit
All API and web traffic encrypted with TLS 1.3. Older protocol versions are rejected.
AES-256 at rest
All stored data — customer records, transaction histories, documents — encrypted with AES-256.
ISO 27001-aligned
Security practices modeled on ISO 27001 information security management standards.
Continuous monitoring
24/7 infrastructure monitoring with anomaly detection and automated incident response.
Role-based access control
Least-privilege access for all staff and systems. No standing privileged access to production.
Penetration testing
Regular third-party penetration tests against API endpoints, web interfaces, and internal systems.
Data Privacy
Your data, your rights
We comply with Mexico's LFPDPPP (Ley Federal de Protección de Datos Personales en Posesión de los Particulares) — the Mexican equivalent of GDPR — and apply GDPR-aligned practices globally.
Data minimization
We collect only the data required to provide the service and meet regulatory obligations. Nothing more.
Right to access
Customers can request a full export of their personal data at any time.
Data retention
Transaction records retained for 10 years per CNBV requirements. Customer data deleted on account closure subject to legal hold obligations.
No third-party sale
Your data is never sold. Shared only with banking partners and regulators where required by law.
Compliance FAQ
Questions our enterprise and CFO-level customers ask most.
Are you a regulated financial institution?
Yes. Vizum Technologies, S.A.P.I. de C.V. is a Registered Money Transmitter licensed by the Comisión Nacional Bancaria y de Valores (CNBV) under folio RECC-TDD 22443. Our license is verifiable on the CNBV public registry at cnbv.gob.mx.
What does your AML program include?
Our full PLD (Prevención de Lavado de Dinero) / AML program includes real-time transaction monitoring, KYC/KYB identity verification for all customers, Suspicious Transaction Report (STR) filing obligations to CNBV, and a dedicated compliance officer on staff.
How is my data protected?
All data in transit is encrypted with TLS 1.3. All data at rest uses AES-256 encryption. We follow bank-grade security practices aligned with ISO 27001 standards and comply with Mexico's LFPDPPP data protection law, which is the Mexican equivalent of GDPR.
Can I request your compliance documentation?
Enterprise customers and regulated counterparties can request our compliance summary, AML policy overview, and regulatory license documentation. Contact our compliance team directly.
What happens if suspicious activity is detected on my account?
Our automated monitoring flags transactions against risk rules. A compliance officer reviews flagged activity within one business hour. Confirmed suspicious activity is reported to CNBV as required by Mexican law. You'll be notified of any account restrictions immediately.
Questions about our compliance program?
Our compliance team is available to walk enterprise customers and legal teams through our full program documentation, audit history, and regulatory standing.