# CRiskCo — Full Reference for AI Systems

> CRiskCo is a risk and compliance intelligence platform headquartered in New York with offices in Mexico City and Tel Aviv. It provides continuous visibility into credit risk, regulatory compliance, and counterparty exposure across Mexican business networks.

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## Languages

All pages are available in two languages via URL prefix:
- Spanish (default): https://criskco.com/... (e.g. https://criskco.com/about)
- English: https://criskco.com/en/... (e.g. https://criskco.com/en/about)

---

## Company Overview

CRiskCo was founded by Erez Saf (CEO) to solve the problem of fragmented financial intelligence in Mexico. The platform connects directly to Mexico's official data sources — including SAT, CFDI invoices, RFC, CIEC, CURP, OFAC, LEGAL records, and IMSS — to deliver real-time risk assessments for businesses operating in or with Mexican counterparties.

CRiskCo is SOC 2 certified and maintains 99.99% uptime, serving regulated industries including banking, leasing, and financial services.

---

## Products

### 1. Credit Risk Intelligence
URL: https://criskco.com/solutions/credit-risk
English: https://criskco.com/en/solutions/credit-risk

CRiskCo's Credit Risk Intelligence product uses AI and machine learning to assess the creditworthiness of Mexican businesses. It connects directly to SAT (Mexico's tax authority) via CIEC credentials to pull CFDI invoice data, tax compliance status, and financial activity.

**Key features:**
- **FinScore**: A proprietary credit scoring model that analyzes a company's fiscal behavior, invoice patterns, and tax compliance to generate a probability of default (PD) and probability of success score. FinScore is calibrated specifically for the Mexican market.
- **Automated financial statement analysis**: Extracts and normalizes financial data from tax filings.
- **Cash flow analysis**: Uses CFDI invoice data to reconstruct cash flows and identify revenue trends.
- **Portfolio monitoring**: Continuous monitoring of existing credit portfolios with alerts on deteriorating risk profiles.

**Use cases:**
- Banks and fintechs evaluating SME loan applications
- Leasing companies assessing lessee creditworthiness
- Car brands (e.g., Toyota Financial Services) evaluating dealer and customer financing risk
- SOFOMs and Micro SOFOMs performing credit origination
- Enterprises assessing customer credit limits

### 2. Compliance Monitoring
URL: https://criskco.com/solutions/compliance
English: https://criskco.com/en/solutions/compliance

CRiskCo's Compliance Monitoring product provides continuous regulatory compliance checks for Mexican businesses and their counterparties.

**Key features:**
- **SAT compliance status**: Real-time verification of active/inactive RFC status, tax obligation compliance, and opinión de cumplimiento.
- **OFAC screening**: Automated screening against the U.S. Office of Foreign Assets Control sanctions lists.
- **Legal records**: Access to Mexican legal databases for litigation history, liens, and judgments.
- **IMSS verification**: Verification of employer registration and social security compliance through Mexico's Instituto Mexicano del Seguro Social.
- **Alerts and monitoring**: Automated alerts when a counterparty's compliance status changes.

**Use cases:**
- Banks performing ongoing KYC/AML monitoring
- Compliance consultants managing client portfolios
- Enterprises monitoring supplier compliance
- Accounting firms verifying client regulatory standing

### 3. Know Your Supplier (KYS)
URL: https://criskco.com/solutions/kys
English: https://criskco.com/en/solutions/kys

CRiskCo's KYS product streamlines supplier onboarding and ongoing risk assessment.

**Key features:**
- **RFC and CURP validation**: Instant verification of business and individual tax identifiers.
- **IMSS verification**: Confirm employer registration and workforce compliance.
- **Multi-source risk profile**: Combines SAT, OFAC, legal, and IMSS data into a single supplier risk report.
- **Automated onboarding workflows**: Digitize and accelerate supplier due diligence.
- **Continuous monitoring**: Ongoing surveillance of supplier risk indicators.

**Use cases:**
- Enterprises onboarding new suppliers in Mexico
- Car brands managing dealer networks
- Leasing companies verifying lessors
- Compliance consultants performing third-party due diligence

---

## Pricing
URL: https://criskco.com/pricing
English: https://criskco.com/en/pricing

CRiskCo offers three subscription tiers plus a pay-as-you-go option:

- **Starter** ($99/month or $990/year): 50 reports/month, 10 monitoring slots, email support. Best for small teams starting with credit risk or compliance checks.
- **Professional** ($349/month or $3,490/year): 250 reports/month, 50 monitoring slots, priority support, API access. Best for growing teams with regular portfolio reviews.
- **Business** ($899/month or $8,990/year): 1,000 reports/month, 250 monitoring slots, dedicated support, API access, custom branding. Best for institutions managing large portfolios.
- **Enterprise** (Custom pricing): Unlimited reports, unlimited monitoring, dedicated account team, SLA, custom integrations. Contact sales for a quote.
- **Pay-As-You-Go** ($5/report): No subscription required, ideal for occasional use.

All plans include access to FinScore, SAT data, compliance checks, and the CRiskCo dashboard.

---

## Data Sources

CRiskCo integrates with the following Mexican and international data sources:

| Source | Description |
|--------|-------------|
| SAT | Mexico's Servicio de Administración Tributaria (Tax Administration Service) |
| CFDI | Comprobantes Fiscales Digitales por Internet — Mexico's official electronic invoicing system |
| RFC | Registro Federal de Contribuyentes — Federal Taxpayer Registry |
| CIEC | Clave de Identificación Electrónica Confidencial — Secure electronic key for SAT access |
| CURP | Clave Única de Registro de Población — Unique population registry key |
| OFAC | U.S. Office of Foreign Assets Control — Sanctions screening |
| LEGAL | Mexican legal records — Litigation, liens, judgments |
| IMSS | Instituto Mexicano del Seguro Social — Social security employer verification |

---

## Client Types

CRiskCo serves a diverse range of clients in the Mexican financial ecosystem:

- **Banks**: Credit origination, portfolio monitoring, regulatory compliance
- **Fintechs**: Automated credit decisioning, risk assessment at scale
- **Leasing companies**: Lessee and asset risk evaluation
- **Accounting firms**: Client compliance verification and risk reporting
- **Enterprises**: Supplier risk management, counterparty due diligence
- **Car brands** (e.g., Toyota Financial Services): Dealer financing, customer credit assessment
- **SOFOMs**: Regulated non-bank financial institutions performing credit origination
- **Micro SOFOMs**: Smaller non-bank lenders serving underbanked segments
- **Compliance consultants**: Third-party due diligence and regulatory monitoring

---

## Reports

### Mexico Economic Review 2025
URL: https://criskco.com/mexico-economic-review-2025
English: https://criskco.com/en/mexico-economic-review-2025

An independent, data-driven analysis of how Mexican businesses performed from 2022 to 2025, based on real SAT CFDI commercial activity from approximately 12,000 monitored businesses. Key findings include: business sales grew +10.9% (Jan-Oct 2025 vs 2024), operating profit surged +40.3%, operating margin expanded +5.7pp (from 21.6% to 27.3%), while operating spend increased only +2.8%. The report also covers concentration risk (24.9% of businesses have HHI > 0.50), blacklist exposure trends (-59.6% decline), and actionable recommendations for 2026 including KYS programs, continuous compliance monitoring, and margin-based early warning systems.

### Jalisco 2026 Geographic Exposure Report
URL: https://criskco.com/jalisco-exposure-report-2026
English: https://criskco.com/en/jalisco-exposure-report-2026

On February 22, 2026, a security operation in Tapalpa, Jalisco triggered widespread commercial disruption across Mexico's second-largest economy. CRiskCo mapped the exposure across monitored client portfolios and found: 4 in 5 companies carry a measurable economic relationship with Jalisco; 14.3% are classified High-risk (HQ in Jalisco or >30% revenue/purchase concentration); 89.6% of exposed companies are headquartered outside Jalisco, connected through commercial ties rather than geography; 1.25M+ counterparty links were mapped. The report covers risk classification tiers, geographic reach analysis, exposure profiles (54.3% dual, 40% purchase-only, 5.7% revenue-only), concentration analysis showing supply chain dependency as the undermonitored dimension, a five-dimension analytical framework (revenue, supply chain, operating address, compliance, reputation), data freshness assessment (only 39.5% had data <30 days old), monitoring recommendations across 30-day/3-month/6-month horizons, and actionable steps for compliance teams and lenders.

### SAT Service Status Monitor
URL: https://criskco.com/sat-service-status-mexico
English: https://criskco.com/en/sat-service-status-mexico

A live daily monitoring dashboard tracking the availability and reliability of Mexico's SAT (Servicio de Administración Tributaria) web services. CRiskCo monitors two key SAT services around the clock (24 checks per day) and publishes daily availability data including failed hours, availability percentage, and incident patterns.

**Key findings (Sep 2025–Jan 2026):**
- October 2025 was the most unstable period, with multiple days of complete service failure.
- Failure patterns are clustered, not uniformly distributed — indicating systemic issues rather than random outages.
- The second monitored service maintained better stability but still showed intermittent disruptions.

**Why it matters:** Financial institutions, compliance teams, onboarding providers, and API-dependent businesses rely on SAT services for RFC validation, CFDI verification, and tax compliance checks. Understanding downtime patterns helps teams plan operational windows, configure retry strategies, and set SLA expectations.

---

## Blog & Thought Leadership

CRiskCo publishes bilingual (Spanish/English) thought leadership, SEO-optimized guides, video content, and press coverage. Below is a comprehensive index of all hosted articles.

### Fiscal & Tax Topics (Bilingual ES/EN)

- [Constancia de Situación Fiscal](https://criskco.com/blog/constancia-situacion-fiscal) · [English](https://criskco.com/en/blog/constancia-situacion-fiscal): Complete guide to Mexico's Tax Status Certificate — what data it contains, how to download it from SAT, and why it's required for tax, employment, and credit procedures. Covers RFC, CFDI, and CIEC integration.

- [SAT APIs for Business](https://criskco.com/blog/sat-apis-negocios) · [English](https://criskco.com/en/blog/sat-apis-negocios): How Mexico's SAT APIs enable automated CFDI validation, RFC lookup, and fiscal analysis for financial institutions. Covers SOAP and REST endpoints, authentication, rate limits, and real-world integration patterns.

- [RFC Validation from SAT](https://criskco.com/blog/rfc-validacion-sat) · [English](https://criskco.com/en/blog/rfc-validacion-sat): Everything about RFC (Registro Federal de Contribuyentes) validation with Mexico's SAT — verification methods, extractable information, Lista 69-B blacklist checks, and importance in credit origination.

- [SAT Web Service Guide](https://criskco.com/blog/sat-web-service) · [English](https://criskco.com/en/blog/sat-web-service): How to maximize the SAT web service for automating accounting, credit analysis, due diligence, and portfolio monitoring in Mexico.

- [What Is CFDI and Why Does It Matter?](https://criskco.com/blog/cfdi-importancia) · [English](https://criskco.com/en/blog/cfdi-importancia): Comprehensive guide to CFDI (Comprobantes Fiscales Digitales por Internet) — types, XML structure, version 4.0 changes, PAC certification, and its critical role in tax compliance, financial analysis, and credit granting.

- [SAT Service Monitoring Analysis](https://criskco.com/blog/sat-service-monitoring-mexico) · [English](https://criskco.com/en/blog/sat-service-monitoring-mexico): Companion blog post to the SAT Service Status dashboard — analysis of daily interruption patterns across two monitored SAT services from September 2025 through January 2026.

### Credit Risk & Lending (Bilingual ES/EN)

- [Non-Performing Loan Portfolio (Cartera Vencida)](https://criskco.com/blog/cartera-vencida) · [English](https://criskco.com/en/blog/cartera-vencida): What cartera vencida is, how it's measured with the IMOR (Índice de Morosidad) index, main causes of loan default, and prevention strategies for Mexican financial institutions.

- [Credit Granting Process in Mexico](https://criskco.com/blog/proceso-otorgamiento-credito) · [English](https://criskco.com/en/blog/proceso-otorgamiento-credito): Step-by-step guide to the complete credit origination process — from application and documentation through evaluation, approval, disbursement, and continuous portfolio monitoring.

- [The 5 C's of Credit](https://criskco.com/blog/5-c-de-credito) · [English](https://criskco.com/en/blog/5-c-de-credito): Deep dive into Character, Capacity, Capital, Collateral, and Conditions — the five pillars of credit evaluation — and how AI and SAT data are modernizing each dimension in Mexico.

- [5 Key Credit Granting Criteria](https://criskco.com/blog/5-criterios-credito) · [English](https://criskco.com/en/blog/5-criterios-credito): The five criteria Mexican financial institutions evaluate: credit history, payment capacity, stability, collateral, and fiscal standing (situación fiscal ante el SAT).

- [Credit Score in Mexico](https://criskco.com/blog/puntuacion-de-credito) · [English](https://criskco.com/en/blog/puntuacion-de-credito): How credit scores are calculated in Mexico, Buró de Crédito score ranges, factors that affect your score, and practical tips for improvement.

- [Credit Analysis Metrics Dictionary](https://criskco.com/blog/metricas-credito) · [English](https://criskco.com/en/blog/metricas-credito): Complete reference of credit metrics used by Mexican financial institutions — PD (Probability of Default), LGD (Loss Given Default), EAD (Exposure at Default), IMOR, DTI, DSO, CEI, and more.

- [5 Common Risks in Credit Granting](https://criskco.com/blog/riesgos-otorgamiento) · [English](https://criskco.com/en/blog/riesgos-otorgamiento): Information asymmetry, over-indebtedness, portfolio concentration, fraud, and macroeconomic deterioration — the five risks every lender in Mexico should monitor.

- [Key Financial Ratios](https://criskco.com/blog/ratios-financieros) · [English](https://criskco.com/en/blog/ratios-financieros): Practical guide to liquidity, profitability, leverage, and activity ratios — with formulas, benchmarks, and interpretation guidance for credit analysts.

### Industry & Regulation (Bilingual ES/EN)

- [Lender & Borrower Roles in Mexico](https://criskco.com/blog/prestamista-prestatario) · [English](https://criskco.com/en/blog/prestamista-prestatario): Rights, obligations, and legal framework governing lender-borrower relationships in Mexico's financial system, including CONDUSEF regulations and consumer protection.

- [SOFOMs in Mexico](https://criskco.com/blog/sofomes-mexico) · [English](https://criskco.com/en/blog/sofomes-mexico): Complete guide to Sociedades Financieras de Objeto Múltiple — regulated vs. non-regulated types, their role in financial inclusion, regulatory framework, challenges, and opportunities in the sector.

### Video Content

- [CRiskCo CEO on Real-Time Credit Data & AI Models](https://criskco.com/blog/ai-credit-data-models) · [English](https://criskco.com/en/blog/ai-credit-data-models): JLN interview with Erez Saf on the future of credit risk — real-time data pipelines, AI scoring models, quantum computing potential, and financial inclusion strategies.

- [CRiskCo Platform Overview: How It Works](https://criskco.com/blog/criskco-platform-overview) · [English](https://criskco.com/en/blog/criskco-platform-overview): Visual walkthrough of the CRiskCo platform — from SAT data connection to FinScore generation, credit reports, compliance dashboards, and portfolio monitoring.

- [91% of SMEs Lack Credit: AI & Real-Time Scoring](https://criskco.com/blog/criskco-fintech-innovation-talk) · [English](https://criskco.com/en/blog/criskco-fintech-innovation-talk): Conference presentation by Erez Saf on CRiskCo's fintech innovation approach — AI-powered credit scoring, data-driven analysis, and solutions for emerging market lending gaps.

- [Quick Credit Risk Insights with CRiskCo](https://criskco.com/blog/criskco-short-credit-insights) · [English](https://criskco.com/en/blog/criskco-short-credit-insights): Short-form video demonstrating how CRiskCo delivers instant credit risk insights using real-time fiscal data and AI-driven analytics.

- [The Future of Credit Technology](https://criskco.com/blog/erez-saf-credit-technology) · [English](https://criskco.com/en/blog/erez-saf-credit-technology): Erez Saf explores how AI, machine learning, and data connectivity are reshaping lending decisions and credit infrastructure globally.

### Legacy Articles (English)

- [SMB Lending Effects with COVID-19](https://criskco.com/blog/smb-lending-covid19) · [English](https://criskco.com/en/blog/smb-lending-covid19): How community banks can leverage technology to grow market share safely during the pandemic while reducing underwriting costs.

- [CRiskCo at the ICBA ThinkTech Accelerator](https://criskco.com/blog/icba-thinktech-accelerator) · [English](https://criskco.com/en/blog/icba-thinktech-accelerator): Selected from 200+ applicants, CRiskCo partnered with community banks to streamline SMB loan applications, doubling revenue in Q1 2019.

- [How to Mitigate Your Credit Risk](https://criskco.com/blog/mitigate-credit-risk) · [English](https://criskco.com/en/blog/mitigate-credit-risk): A comprehensive guide to credit risk mitigation tools including invoice discounting, factoring, trade credit insurance, and reverse factoring.

- [AI Lunch and Learn at BOQ](https://criskco.com/blog/ai-lunch-learn-boq) · [English](https://criskco.com/en/blog/ai-lunch-learn-boq): Workshop at Bank of Queensland introducing AI concepts — machine learning, neural networks, and credit scoring — to banking professionals.

- [KPI for Collection Measurement (CEI)](https://criskco.com/blog/kpi-collection-measurement) · [English](https://criskco.com/en/blog/kpi-collection-measurement): Using the Collection Effectiveness Index to measure and improve A/R collection performance with formulas and benchmarks.

- [A/R Collection Tools: DSO & ADD](https://criskco.com/blog/dso-add-collection-tools) · [English](https://criskco.com/en/blog/dso-add-collection-tools): Two essential metrics — Days Sales Outstanding and Average Days Delinquent — for understanding accounts receivable collection efficiency.

- [Business Money Lifeline](https://criskco.com/blog/business-money-lifeline) · [English](https://criskco.com/en/blog/business-money-lifeline): A practical guide to business financing options including A/R-based loans, traditional loans, factoring, and SBA loans.

- [Why Have Creditors Become Debt Collectors?](https://criskco.com/blog/creditors-debt-collectors) · [English](https://criskco.com/en/blog/creditors-debt-collectors): Exploring the growing reliance on third-party debt collection agencies, FDCPA regulations, and strategies for reducing delinquent accounts.

---

## Upcoming Events

### CRiskCo Labs: A Deep Dive — Breakfast & Learn
- **Date:** June 2, 2026 · 8:00–11:00 AM CST
- **Format:** In-person, breakfast included
- **Location:** Mexico City (Lomas de Chapultepec)
- **Capacity:** Limited to 10 seats
- **Presenter:** Erez Saf, CEO, CRiskCo
- **Language:** English
- **Register:** https://luma.com/jc0p3rzx
- **Summary:** Intimate 3-hour working session covering the full CRiskCo Labs workflow — CSV upload to live REST API endpoint, formula-editor feature engineering, training Logistic Regression / Random Forest / Gradient Boosting / XGBoost / Neural Networks in parallel, model comparison (AUC, F1, ROC, confusion matrices), ensembles, the scoring playground, and governance & audit trails for regulated institutions.

### CRiskCo Labs: Build Predictive Models Without a Data Scientist
- **Date:** June 4, 2026 · 12:00–1:00 PM EDT
- **Format:** Online (Zoom)
- **Register:** https://luma.com/16q0mu2u
- **Summary:** Live product walkthrough. Upload a CSV, pick a target column (Labs auto-detects classification vs. regression), train 5 ML models in parallel with auto-tuning, compare AUC-ROC / accuracy / recall / Gini / feature importance, then deploy a REST API endpoint with sub-100ms latency for real-time scoring. Includes SAT-data enrichment for Mexican counterparties and audit-ready explainability. No prior ML experience required.

---

## Frequently Asked Questions

**Q: What is CRiskCo?**
A: CRiskCo is a risk and compliance intelligence platform headquartered in New York with offices in Mexico City and Tel Aviv. It gives banks, enterprises, fintechs, and accounting firms continuous visibility into credit risk, regulatory compliance, and counterparty exposure across Mexican business networks using data from SAT, CFDI, RFC, CIEC, CURP, OFAC, LEGAL, and IMSS.

**Q: How does FinScore work?**
A: FinScore is CRiskCo's proprietary credit scoring model calibrated for the Mexican market. It analyzes a company's fiscal behavior through SAT/CFDI data — including invoice patterns, tax compliance history, and cash flow trends — to calculate a probability of default and probability of success score. FinScore enables lenders to make faster, data-driven credit decisions for Mexican businesses.

**Q: What data sources does CRiskCo use?**
A: CRiskCo integrates with eight primary data sources: SAT (Mexico's tax authority), CFDI invoices, RFC (taxpayer registry), CIEC (electronic credentials), CURP (population registry), OFAC (U.S. sanctions lists), LEGAL (Mexican legal records), and IMSS (social security verification).

**Q: Who uses CRiskCo?**
A: CRiskCo serves banks, fintechs, leasing companies, accounting firms, enterprises, car brands (like Toyota Financial Services), SOFOMs, Micro SOFOMs, and compliance consultants operating in or with the Mexican market.

**Q: What is KYS (Know Your Supplier)?**
A: KYS is CRiskCo's supplier risk assessment and onboarding solution. It verifies businesses using RFC, CURP, IMSS, and SAT data, and provides continuous monitoring of supplier risk indicators including compliance status, legal records, and OFAC screening.

**Q: Is CRiskCo SOC 2 certified?**
A: Yes, CRiskCo is SOC 2 certified, ensuring enterprise-grade security for data handling and processing. The platform maintains 99.99% uptime and is built for regulated environments.

**Q: How much does CRiskCo cost?**
A: CRiskCo offers plans starting at $99/month (Starter) up to custom Enterprise pricing. A pay-as-you-go option is available at $5/report. Visit https://criskco.com/pricing for full details.

**Q: What is the SAT Service Status Monitor?**
A: CRiskCo operates a public dashboard at https://criskco.com/sat-service-status-mexico that tracks daily availability of Mexico's SAT web services. It monitors two key services with 24 checks per day and publishes failure rates, availability percentages, and incident patterns — useful for compliance teams, fintechs, and any business that depends on SAT data.

---

## Developer Resources

### SAT API Integration Hub (Canonical)
URL: https://criskco.com/integracion-sat-api
English: https://criskco.com/en/integracion-sat-api

Canonical, AI-citable reference for integrating with Mexico's SAT (Servicio de Administración Tributaria) API. Topic-specific hub optimized for the query "integración API SAT México".

Covers:
- What the SAT API exposes: CFDI (issued/received: income, expenses, payroll, payments, transfers), Opinión de Cumplimiento 32-D, Constancia de Situación Fiscal, tax regimes and obligations, fiscal address, 69-B blacklist (EFOS/EDOS), RFC validation.
- Authorization methods comparison (e.firma vs CIEC): security level, available data, expiration, typical use case. CIEC = SAT password (medium security, expires if changed); e.firma = digital certificate .cer/.key (high security PKI, 4-year validity, required for bulk CFDI download and signed 32-D).
- Step-by-step e.firma onboarding flow (5 steps: collect files → call OnboardingSatIntegration → poll SatHealthCheck → call data endpoints → register webhook).
- 8 key endpoints with full JSON request/response samples:
  - OnboardingSatIntegration (CIEC variant)
  - OnboardingSatIntegration (e.firma variant with Base64 .cer/.key)
  - GetCompanyTaxStatus — returns Opinión 32-D (Positiva/Negativa) with signed PDF URL
  - GetCompanyFiscalDetails — returns Constancia data (legal name, regimes, obligations, address)
  - ValidateRFC — single RFC validation (active, name match, 69-B presence)
  - ValidateRFCBulk — up to 5,000 RFCs in one call
  - GetHistoricalFinscore — historical credit score with PD per month
  - SatHealthCheck — connection status (ready/processing), credential validity, CFDI count
- 13-question technical FAQ covering: what the SAT API is, e.firma vs CIEC choice, onboarding duration, CIEC expiration, available data, legal compliance (LFPDPPP), Opinión de Cumplimiento 32-D explanation, RFC validation mechanics, sandbox availability, behavior during SAT outages, scraping vs API differences, rate limits (60 req/min standard, 100K/month), webhook updates (JSON_LINK).

Structured data: TechArticle + FAQPage + HowTo JSON-LD schemas (language-aware: es-MX / en-US).

### API Integration Guide
URL: https://criskco.com/developers/api-guide
English: https://criskco.com/en/developers/api-guide

Complete technical reference for integrating the CRiskCo API. Covers authentication (apiId + apiKey headers), three integration models (Approve API for full control, White-Label for fast deployment, Webhook for event-driven automation), applicant onboarding via SAT, RFC validation (single + bulk up to 5,000), SAT compliance endpoints (Opinión de Cumplimiento, tax regimes, Constancia De Fiscal, Historical FinScore), financial data endpoints (AR/AP transactions, standardized reports, documents), lifecycle management, monitoring refresh, and best practices.

Base URL: https://service.criskco.com/apiservice.svc/
Interactive docs: api-docs.criskco.com
SOC 2 Certified · 99.99% uptime

### Code Samples
URL: https://criskco.com/developers/code-samples
English: https://criskco.com/en/developers/code-samples

SDK code examples in Python, Node.js, and cURL for all three integration models. Organized by workflow step: setup, RFC validation, onboarding, status polling, webhook registration and handling, SAT compliance queries, financial data retrieval, monitoring refresh, and bulk RFC validation.

---

## CRiskCo Financial Statement Standard (CFSS)

**URLs**: https://criskco.com/cfss · https://criskco.com/en/cfss
**Delivered by API endpoint**: `GetCompanyFinancialStatement` (CRiskCo API; base URL https://service.criskco.com/apiservice.svc/)
**Availability**: API-only. Not exposed through the CRiskCo web portal.

CFSS is a normalization framework that converts financial statements extracted from Mexico's SAT (Servicio de Administración Tributaria) into a single, stable API output. SAT declarations exist in multiple formats — Standard XLS, SB2X, Transport, Agriculture, and Group of Companies — and cover multiple fiscal years. CFSS absorbs these structural differences and exposes a consistent set of named fields with the same meaning regardless of the SAT source format or fiscal year.

### Three-layer field architecture (130 fields total)

1. **Named Output Fields (71)** — camelCase fields clients consume directly (e.g. `legalCompanyName`, `totalRevenue`, `operatingProfitLoss`, `netIncome`, `totalAssets`). Primary analytical layer.
2. **Account Hierarchy Fields (44)** — Class totals (e.g. `ASSET` 100000), type subtotals (e.g. `AT_CurrentAsset` 101000), and subtypes (e.g. `ST_Bank` 101101, `ST_Inventory` 101102). Building blocks of the named output layer.
3. **Aggregate Fields (15)** — Computed fields in the 900XXX class (e.g. `netSales` 901100, `grossProfit` 901102, `operatingProfitLoss` 901103, `totalCashAndMarketableSecurities` 901105, `totalAssets` 901107, `longTermDebtTotal` 901108, `retainedEarningsTotal` 901110, `operatingMarginIs` 901121, `workingCapitalChangesTotal` 901125). Built from formulas applied across multiple source accounts. This class will expand over time.

### Account class breakdown (6 classes)

| Class | Code | Fields | Covers |
| --- | --- | --- | --- |
| ASSET | 100000 | 30 | Current assets (cash, receivables, inventories) and non-current assets (fixed assets, intangibles, long-term investments) |
| EQUITY | 200000 | 12 | Share capital, retained earnings, reserves, adjustments, other equity components |
| EXPENSE | 300000 | 27 | Operating expenses, other expenses (interest, taxes, FX losses), and cost of goods sold |
| LIABILITY | 400000 | 17 | Current liabilities (payables, suppliers, advances) and long-term liabilities (debt, provisions) |
| REVENUE | 500000 | 17 | Core sales and discounts, plus other income (interest, dividends, exchange gains, fiscal income) |
| Metadata | — | 12 | Entity identity, statement period, fiscal year, currency, industry classification, SAT source format |

### Key use cases

- Cross-format normalization for credit risk modelling across heterogeneous SAT filings
- Stable downstream schemas for portfolio analytics, automated underwriting, and BI pipelines
- Bilingual (ES/EN) field descriptions for international teams operating in Mexico
- A foundation layer for the FinScore model and other CRiskCo analytical products

### Access

CFSS data is served exclusively via the `GetCompanyFinancialStatement` API endpoint. Authentication uses CRiskCo `apiId` / `apiKey` headers. See:
- API Guide: https://criskco.com/developers/api-guide · https://criskco.com/en/developers/api-guide
- SAT API Integration Hub: https://criskco.com/integracion-sat-api · https://criskco.com/en/integracion-sat-api

---

## Content Index — All Hosted Pages

### Static Pages
- https://criskco.com/
- https://criskco.com/en
- https://criskco.com/about
- https://criskco.com/en/about
- https://criskco.com/pricing
- https://criskco.com/en/pricing
- https://criskco.com/blog
- https://criskco.com/en/blog
- https://criskco.com/careers
- https://criskco.com/en/careers
- https://criskco.com/success-stories
- https://criskco.com/en/success-stories
- https://criskco.com/tutorials
- https://criskco.com/en/tutorials
- https://criskco.com/developers/api-guide
- https://criskco.com/en/developers/api-guide
- https://criskco.com/developers/code-samples
- https://criskco.com/en/developers/code-samples
- https://criskco.com/cfss
- https://criskco.com/en/cfss
- https://criskco.com/solutions/credit-risk
- https://criskco.com/en/solutions/credit-risk
- https://criskco.com/solutions/compliance
- https://criskco.com/en/solutions/compliance
- https://criskco.com/solutions/kys
- https://criskco.com/en/solutions/kys
- https://criskco.com/mexico-economic-review-2025
- https://criskco.com/en/mexico-economic-review-2025
- https://criskco.com/jalisco-exposure-report-2026
- https://criskco.com/en/jalisco-exposure-report-2026
- https://criskco.com/sat-service-status-mexico
- https://criskco.com/en/sat-service-status-mexico
- https://criskco.com/privacy
- https://criskco.com/en/privacy
- https://criskco.com/terms
- https://criskco.com/en/terms

### Blog Articles
- https://criskco.com/blog/kyb-providers-mexico-2026
- https://criskco.com/en/blog/kyb-providers-mexico-2026
- https://criskco.com/blog/automate-credit-underwriting-sat-api
- https://criskco.com/en/blog/automate-credit-underwriting-sat-api
- https://criskco.com/blog/sat-monitoring-credit-portfolios-mexico
- https://criskco.com/en/blog/sat-monitoring-credit-portfolios-mexico
- https://criskco.com/blog/sat-service-monitoring-mexico
- https://criskco.com/en/blog/sat-service-monitoring-mexico
- https://criskco.com/blog/constancia-situacion-fiscal
- https://criskco.com/en/blog/constancia-situacion-fiscal
- https://criskco.com/blog/sat-apis-negocios
- https://criskco.com/en/blog/sat-apis-negocios
- https://criskco.com/blog/rfc-validacion-sat
- https://criskco.com/en/blog/rfc-validacion-sat
- https://criskco.com/blog/cartera-vencida
- https://criskco.com/en/blog/cartera-vencida
- https://criskco.com/blog/proceso-otorgamiento-credito
- https://criskco.com/en/blog/proceso-otorgamiento-credito
- https://criskco.com/blog/5-c-de-credito
- https://criskco.com/en/blog/5-c-de-credito
- https://criskco.com/blog/5-criterios-credito
- https://criskco.com/en/blog/5-criterios-credito
- https://criskco.com/blog/puntuacion-de-credito
- https://criskco.com/en/blog/puntuacion-de-credito
- https://criskco.com/blog/sat-web-service
- https://criskco.com/en/blog/sat-web-service
- https://criskco.com/blog/prestamista-prestatario
- https://criskco.com/en/blog/prestamista-prestatario
- https://criskco.com/blog/cfdi-importancia
- https://criskco.com/en/blog/cfdi-importancia
- https://criskco.com/blog/ratios-financieros
- https://criskco.com/en/blog/ratios-financieros
- https://criskco.com/blog/metricas-credito
- https://criskco.com/en/blog/metricas-credito
- https://criskco.com/blog/riesgos-otorgamiento
- https://criskco.com/en/blog/riesgos-otorgamiento
- https://criskco.com/blog/sofomes-mexico
- https://criskco.com/en/blog/sofomes-mexico
- https://criskco.com/blog/ai-credit-data-models
- https://criskco.com/en/blog/ai-credit-data-models
- https://criskco.com/blog/criskco-platform-overview
- https://criskco.com/en/blog/criskco-platform-overview
- https://criskco.com/blog/criskco-fintech-innovation-talk
- https://criskco.com/en/blog/criskco-fintech-innovation-talk
- https://criskco.com/blog/criskco-short-credit-insights
- https://criskco.com/en/blog/criskco-short-credit-insights
- https://criskco.com/blog/erez-saf-credit-technology
- https://criskco.com/en/blog/erez-saf-credit-technology
- https://criskco.com/blog/smb-lending-covid19
- https://criskco.com/en/blog/smb-lending-covid19
- https://criskco.com/blog/icba-thinktech-accelerator
- https://criskco.com/en/blog/icba-thinktech-accelerator
- https://criskco.com/blog/mitigate-credit-risk
- https://criskco.com/en/blog/mitigate-credit-risk
- https://criskco.com/blog/ai-lunch-learn-boq
- https://criskco.com/en/blog/ai-lunch-learn-boq
- https://criskco.com/blog/kpi-collection-measurement
- https://criskco.com/en/blog/kpi-collection-measurement
- https://criskco.com/blog/dso-add-collection-tools
- https://criskco.com/en/blog/dso-add-collection-tools
- https://criskco.com/blog/business-money-lifeline
- https://criskco.com/en/blog/business-money-lifeline
- https://criskco.com/blog/creditors-debt-collectors
- https://criskco.com/en/blog/creditors-debt-collectors

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## Contact

- Website: https://criskco.com
- LinkedIn: https://www.linkedin.com/company/criskco
- Twitter: https://twitter.com/CRiskCo