Ingresos
Buró de Ingresos provides an API-based income verification infrastructure for financial institutions in Mexico, connecting them with verified income and employment data for both individuals and businesses. The platform cross-references social security, invoicing, and payroll sources to return monthly income, employment status, and payroll history in under two seconds. It is ISO 27001 certified and compliant with Mexico's LFPDPPP data protection law.
- Financial Technology
- Software Only
Funding
Funding not disclosed
Founders
Founder details are not available yet.
Product
Problem
Financial institutions in Mexico struggle to verify applicant income and employment status during credit origination, often relying on self-declared documents that can be inaccurate or fraudulent. This slows down decision-making, increases default risk, and limits access to credit for individuals and businesses without traditional proof of income.
Solution
Buró de Ingresos provides a verification infrastructure that connects financial institutions with verified income and employment data for both individuals and businesses in Mexico via API. The platform cross-references available sources—including social security records, invoicing data, and payroll receipts—to return monthly income, payroll history, income type, and employment status in under two seconds. Institutions integrate the API in days, send an applicant identifier with consent, and receive verified data ready for their decision workflow. The service supports credit origination for cards, personal loans, BNPL, auto lending, and fintech lending without relying on self-declared income documents.
Target Audience
Primary customers are financial institutions in Mexico, including banks, fintech lenders, BNPL providers, and auto lenders that originate credit to individuals and businesses and need verified income data for underwriting.
Features
- API-based verification returning monthly income, payroll history (active months, amounts, issuer), and employment status in under two seconds
- Support for both individuals (18-char CURP) and businesses (12-char RFC) with a unified consent payload structure
- Consent management system requiring verified user consent with IP address and privacy notice URL, valid for 365 days
- ISO 27001 certification and LFPDPPP compliance with TLS 1.3 encryption for data in transit and at rest
- Integration workflow with clear documentation, sandbox testing, and support, designed for deployment in days rather than months
- Data sources include social security (labor history, employers, base salary), invoicing (self-employed and business income), and payroll receipts