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    Beneficial Owner and Ultimate Beneficial Owner from an RFC in minutes

    Solve the AML account-opening requirement: identify the natural person holding 25% or more of capital or voting rights, directly or indirectly, and document the fallback via a single sworn declaration — using only the RFC, no CIEC.

    TIER 1 — VERIFY

    Starting price

    From $12 MXN per query

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    What it is and how it works

    When a bank opens an account for a legal entity, AML regulation requires identifying the beneficial owner: any natural person with a direct or indirect participation of 25% or more in share capital or voting rights. If no individual reaches that threshold, the institution may register a designated figure (sole administrator, legal representative, or other) as the fictitious beneficial owner, and the client signs a single sworn declaration attesting to it. CRiskCo Verify delivers this identification by querying official sources from the RFC alone — no CIEC and no taxpayer signature. It also covers the CFF Article 32-B Ter obligation (Beneficiario Controlador).

    Use cases

    • Bank account opening: beneficial owner identification
    • AML compliance with 25% direct and indirect threshold
    • KYB onboarding for clients and suppliers
    • Fictitious beneficial owner documentation via single sworn declaration
    • CFF Article 32-B Ter compliance (Beneficiario Controlador)
    • Pre-credit due diligence

    What it returns

    Available via API today

    Via GET /siger-webhook and GET /siger-pdf-webhook. See it in the API Explorer

    • Company shareholders as recorded in the public registry (SIGER)
    • Additional companies each shareholder holds (querySocios = true)
    • Public registry documents as PDF
    • Correlation uuid for the async result
    • Query timestamp and official source

    Delivered as a compliance output

    CRiskCo derives these on top of the registry data; they are not raw API fields.

    • Full name of beneficial owner / beneficiario controlador
    • 25% threshold compliance flag
    • Direct and indirect participation percentage
    • Corporate control chain down to the natural person
    • CURP and personal RFC of the identified individual
    • Type of control: capital, voting, or economic benefits
    • Designated figure as fictitious beneficial owner (if applicable)
    • Evidence of single sworn declaration signed by the client

    Best for

    Banks and account-opening teamsAML / PLD teamsSOFOMsCredit fintechsAccounting firmsCorporate compliance teams

    Scale when you need to

    Verify is the first step. Unlock SAT/CIEC for depth and Enterprise for continuous monitoring.

    TIER 1 — VERIFY

    Verify — RFC only

    One-off queries: UBO, e.firma, SIGER, and RFC data validation. No CIEC, no friction.

    Explore Verify
    TIER 2 — FINANCIAL INTELLIGENCE

    Financial Intelligence

    Analyze CFDI, cash flow, and fiscal behavior with SAT/CIEC data. Built for credit decisions.

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    MONITORING & ALERTS

    Monitoring & Alerts

    Continuous portfolio tracking, network exposure, and compliance alerts in real time.

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    ML MODELS & SCORES

    Build your own ML models & scores

    Train custom risk and scoring models on CRiskCo Labs using your data and our infrastructure.

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    MCP INTEGRATION

    AI-ready access (MCP)

    Early access

    Connect any AI assistant or agentic workflow to CRiskCo data through the Model Context Protocol.

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    Get started with Beneficial Owner / Ultimate Beneficial Owner (UBO) today

    Book a demo and activate your first query bundle.