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Solution 01

Fintech & Regulatory

We help emerging fintech companies navigate Mexico's complex regulatory framework — from your first license application to full operational compliance in Mexico and LATAM.

What We Do

Mexico's Fintech Law Is Complex. We Simplify It.

Mexico's Fintech Law (Ley Fintech) and the CNBV regulatory framework are among the most comprehensive in Latin America. For companies building digital payment infrastructure, wallets, or financial platforms, understanding and navigating this framework is not optional — it's existential.

We advise emerging growth fintech companies on all aspects of digital financial services regulation in Mexico and LATAM — from initial structuring decisions that affect your licensing path, to ongoing compliance operations after authorization.

Our team has direct experience working with the CNBV, Banxico, and the CONDUSEF, and has advised companies through the full ITF licensing process from application to authorization.

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Services Included

  • ITF (Institución de Tecnología Financiera) licensing
  • Electronic Payment Institution (IEP) authorization
  • CNBV registration and regulatory filings
  • Payments network participation registration (SPEI/CoDi)
  • Digital wallet legal frameworks
  • Money transmitter licensing and compliance
  • DAPP (Digital Asset Service Provider) registration
  • Fintech regulatory strategy for new products & services
  • Digital finance compliance programs
  • SaaS agreements for financial platforms
  • Cross-border fintech operations (Mexico → LATAM)
  • Regulatory sandbox applications
Why LIT for Fintech

Deep Regulatory Expertise. Real Results.

CNBV-Tested Experience

Our team has navigated the full ITF authorization process. We know what regulators expect, what documents matter, and how to structure your application for success.

Mexico & LATAM Coverage

We don't just know Mexican law — we understand the LATAM regulatory landscape and how to structure operations that scale across Colombia, Chile, Brazil, and beyond.

Speed That Matches Yours

Regulatory processes can be slow — your legal team shouldn't be. We deliver structured plans, clear milestones, and keep you moving while the regulators deliberate.

Our Process

From Strategy to Authorization

A structured, milestone-driven approach to your fintech regulatory journey.

01

Regulatory Assessment

We map your business model to the applicable regulatory framework and identify the optimal licensing path for your specific operations.

02

Structuring & Strategy

We design your legal and corporate structure to align with CNBV requirements — from shareholding to governance and AML frameworks.

03

Application & Filing

We prepare, review, and submit all regulatory filings with the CNBV and Banxico — coordinating responses to information requests.

04

Authorization & Compliance

Post-authorization, we build your ongoing compliance program, policies, and reporting structure to keep you in good standing.

Common Questions

Fintech Regulatory FAQ

An ITF (Institución de Tecnología Financiera) license is required under Mexico's Fintech Law for companies operating as crowdfunding platforms or electronic payment institutions. If your platform facilitates payments, stores funds, or enables transactions between third parties, you likely need one. We'll assess your model in an initial call.
Typically 12–18 months from application submission to authorization, depending on the complexity of your model and the quality of your filing. Incomplete or poorly structured applications significantly extend timelines — which is why preparation matters enormously.
In limited cases, yes — depending on your specific activities and how your product is structured. We can advise on compliant interim operating structures while your authorization is being processed.
Absolutely — this is one of our core use cases. We've advised companies from the US, Europe, and LATAM on their Mexican market entry strategy, including how to structure operations, local entities, and regulatory applications from abroad.

Ready to Get Started?

Tell us about your company and what you need. We respond within 24 hours.

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