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Mexico tana da tsarin kudi na biyu mafi girma a Amurka ta Larabawa. The Comisión Nacional Bancaria y de Valores (CNBV) ya amince da bankuna, kamfanonin saka hannun jari da kuma cibiyoyin fintech. The Banco de México ya rubuta biyan da kuma riga-kafi dokoki da dole ne su bayar da ra'ayinsu ko yarda a kan muhimmanci izinin. The 2018 Ley Fintech ya samar da lasisin ga cibiyoyin kudi na lantarki da dandamalin tallafawa jama'a.
Alamar RiskiStandard
FATFBa a lissafa ba
EU AML high-risk listBa a lissafa ba
EU tax listBa a lissafa ba
License regimes7
Kudin kudiMXN
S&P ratingBBB
Zaben gaba6 June 2027
Mexico ba ta cikin jerin FATF masu launin rawaya ko maƙarƙashiya ba bayan 19 ga Yuni, 2026 (ba da sakamakon Oktoba 2026 ba har yanzu). Ba ta cikin jerin kasashe na uku masu haɗari mai tsanani na EU ba (Delegated Regulation (EU) 2016/1675 kamar yadda aka sabunta shi na ƙarshe ta hanyar Delegated Regulations (EU) 2026/46 da 2026/83, a cikin aiki 29 ga Janairu, 2026). Ba ta cikin Sashi na I ba kuma ba ta cikin Sashi na II na jerin harajin EU wanda aka sake dubawa ta shawarwarin majalisar na 9 ga Oktoba, 2026. An duba 13 ga Oktoba, 2026.
Gwamnati da siyasa
Gwamnati
Czech Republic
Gwamna
Claudia Sheinbaum · tun Oktoba 2024
Gwamna
Claudia Sheinbaum (Morena)
Jam'iyyun siyasa
Morena (National Regeneration Movement), Ecologist Green Party of Mexico (PVEM), Labor Party (PT)
Zabe na ƙarshe
Janar (na shugaban kasa da na majalisar dokoki), 2 ga Yuni, 2024
Zaben gaba
Federal tsakiyar lokaci (House of Deputies) da 17 governorships, 6 Yuni 2027. INE buɗe tsarin zabe na tarayya a kan 10 Satumba 2026. Duk wakilai 500 ne aka zaba. Shugaban ya yi aiki daya 6-shekara zuwa 2030.
Legislature
Congress of the Union: bicameral; House of Deputies 500 seats, Senate 128 seats. The Morena, PVEM and PT coalition holds a qualified majority in the House of Deputies.
Sistema Legal
Civil law
Ƙasa da kudi
Jami'a
133.4m (2025)
GDP
USD 1.8tn (2025)
GDP per person
USD 13,759 (2025)
Kudin kudi
Mexican peso (MXN), free float
Bankin Cibiyar
Bankin Mexico
Credit rating
S&P BBB (negative) · Moody's Baa3 (stable) · Fitch BBB- (stable) (as of May 2026)
Latin Amurka na biyu mafi girman tattalin arziki, gina a kan fitarwa masana'antu da aka haɗa zuwa North American samar da layuka. Banks ne kula da National Banking da Securities Commission (CNBV), kuma Banxico ke tafiyar da kudi dokar.
Banki
Authorization to organize and operate as a multi-bank institution (commercial bank authorisation)
Minimum capital90 miliyan UDIs ga wani banki wanda dokoki baiwa duk ayyukan a art. 46 na doka (LIC art. 19; CUB art. 2, I and IV). Banki mai iyaka ga ayyukan da aka lissafa a cikin CUB art. 2, II yana bukatar 54 miliyan UDIs. Babu wani banki da zai iya da kasa da 40% na adadin (LIC art. 19). Ya kamata a biya hannun jari cikin ranar kasuwanci ta ƙarshe na kowace shekara, a kan darajar UDI na 31 Disamba na shekarar da ta gabata.
Layin lokaciBa a wallafa ba
AuthorityComisión Nacional Bancaria y de Valores, da mai kyau ra'ayi na Banco de Mexico
90 miliyan UDIs ga wani banki wanda dokokin sa na ba da izinin duk ayyuka a cikin fasaha. 46 na doka (LIC art. 19; CUB art. 2, I and IV). Banki mai iyaka ga ayyukan da aka lissafa a cikin CUB art. 2, II yana bukatar 54 miliyan UDIs. Babu wani banki da zai iya da kasa da 40% na adadin (LIC art. 19). Ya kamata a biya hannun jari cikin ranar kasuwanci ta ƙarshe na kowace shekara, a kan darajar UDI na 31 Disamba na shekarar da ta gabata.
Dokar
Ley de Instituciones de Crédito, arts. 8, 9, 10, 19 and 46 Bis; Disposiciones de carácter general aplicables a las instituciones de crédito (Circular Única de Bancos), art. 2
Passporting
Ba da izini ba.
Buƙatun Maɓalli
Mexican sociedad anónima of fixed capital with its domicile in Mexico (art. 9)
List shareholder tare da asali na kudade, shekaru uku na rahotannin kudi da shaidar aminci (art. 10, II)
Taron kasuwanci tare da nazarin tattalin arziki da kuma matakan tsaro (aikace 10, IV)
Deposit na 10% na mafi ƙasƙanci jarin a cikin amfani da Federal Treasury (art. 10, V)
Ba a raba riba ba a cikin shekarun farko uku na tattalin arziki sai dai idan hannun jari ya fi buƙata (art. 10, IV f)
Sabi'ar da aka yi wa CNBV don fara ayyukanta bayan ziyarar binciken (aikace 46 Bis)
Minimum capital500,000 UDIs ga wani IFPE da ke aiki a cikin pesos kawai (art. 6). 700,000 UDIs idan har an amince da shi don dukiya ta zahiri, kudi na waje, yana aiki a matsayin gidan cirewa don shafukan biyan kuɗi, ko derivatives akan dukiyar zahiri (art. 7).
Layin lokaciYarjejeniyoyi da ke buƙatar Comité Interinstitucional dole ne a yanke shawarar cikin kwanaki 180 (Ley Fintech art. 6). Hukumar za ta iya faɗaɗa wannan har zuwa rabin bisa bukatar mai neman izinin.
AuthorityComisión Nacional Bancaria y de Valores, tare da amincewar Comité Interinstitucional (SHCP, Banco de México da CNBV)
500,000 UDIs ga wani IFPE da ke aiki a cikin pesos kawai (art. 6). 700,000 UDIs idan har an amince da shi don dukiya ta zahiri, kudi na waje, yana aiki a matsayin gidan tsaftacewa don shafukan biyan kuɗi, ko derivatives akan dukiyar zahiri (art. 7).
Dokar
Ley para Regular las Instituciones de Tecnología Financiera (Ley Fintech), arts. 6, 11, 22 to 29 and 35 to 40; Disposiciones de carácter general aplicables a las instituciones de tecnología financiera, arts. 6 to 9
Passporting
Ba da izini ba.
Buƙatun Maɓalli
Mexican sociedad anónima tare da ofishinsa a Mexico (rubutun 36)
Business plan, client fund segregation policy, IT security and AML policies (art. 39)
Bayanin mai saka hannun jari da manajan da ke nuna kyakkyawan suna da tarihi mai kyau na bashi (art. 39, XI da XII)
Ina da tabbacin za'a yi aiki a cikin kwanaki 30 kafin farawa; CNBV da Banco de México na iya bincikar (aikace 40)
Ba za a iya biyan riba ko dawowa ga abokan ciniki akan adadinsu ba (aikace 29)
Kashi na ajiyar kudi ya yi kasa da UDIs 10,000 ga kowanne mai amfani a kowane wata da kuma karɓar kuɗi a kan UDIs 1,500 a rana (DCG art. 9)
Minimum capital500,000 UDIs ga IFC amince da wani nau'i na aiki a cikin pesos (art. 6). 700,000 UDIs ga biyu ko fiye da nau'i, ko don ayyukan a virtual dukiya ko waje kudi (art. 7).
Layin lokaciMataki a cikin kwanaki 180 inda Comité Interinstitucional ya kamata ya yarda (Ley Fintech art. 6)
AuthorityCommission Nacional Bancaria y de Valores, da yardar Comité Interinstitucional
500,000 UDIs ga wani IFC da aka amince da shi don irin aiki guda a pesos (art. 6). 700,000 UDIs ga nau'ikan biyu ko fiye, ko kuma don ayyuka a cikin kuɗaɗe na zahiri ko kuɗin waje (art. 7).
Dokar
Ley Fintech, arts. 6, 15, 16 and 35 to 40; Disposiciones de carácter general aplicables a las instituciones de tecnología financiera, arts. 6 to 8
Passporting
Ba da izini ba.
Buƙatun Maɓalli
Yadda ake gudanar da ayyuka uku: bashi, daidaito, da hadin gwiwa ko bayar da tallafi ga jama'a (sashe na 16)
Aiki ne a cikin pesos sai dai idan Banco de México ya ba da izinin kudin waje ko dukiya ta zahiri (art. 16)
Ba za a iya yin rajista da kuɗaɗen da aka bayar ba a cikin Registro Nacional de Valores (rubutun 16)
Ya kamata a bayyana shirin daidaita tallafi a cikin aikace-aikacen (aikace 39, XV)
Kamar kamfani, mulkin mallaka da AML buƙatun kamar sauran cibiyoyin fintech (rubuce-rubucen 36 da 39)
Virtual asset exchange and custody as a vulnerable activity
Minimum capitalBa a wallafa ba
Layin lokaciBa a wallafa ba
AuthoritySecretaría de Hacienda y Crédito Público (AML rajista da sanarwa); Banco de México (aiki na dukiya ta zahiri na bankuna da cibiyoyin fintech)
Dokar
Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita, arts. 17, XVI and 18 (as reformed by decree published 16 July 2025); Ley Fintech, arts. 30 to 34; Banco de México Circular 4/2019, rule 3
Passporting
Ba da izini ba.
Buƙatun Maɓalli
Bãbu lasisi ga masu samar da sabis na dukiyar zahiri
Firms ba na kudi da musanya, tsare ko canja wurin virtual dukiya ga abokan ciniki gudanar da wani aiki mai rauni (art. 17, XVI)
Wannan ya kunshi ayyukan da ake yi wa jama'ar Mexico daga wani yanki na shari'a (sashe na 17, XVI)
Ya kamata su yi rajista a cikin Padrón na ayyuka masu rauni ta hanyar gidan yanar gizo na hukuma (sashe na 18, IV Bis)
Suna bukatar su tantance duk wani mai amfani da su kuma su kiyaye takardun aƙalla na shekaru goma (sashe na 18)
Notices ne da za a biya ga abokan ciniki ayyuka na 210 sau na yau da kullum UMA ko fiye, ko kudin na 4 sau na yau da kullum UMA ko fiye (art. 17, XVI)
Bankuna da kungiyoyin fintech na iya amfani da dukiyoyi na zahiri kawai don ayyuka na cikin gida, tare da amincewar Banco de México (Circular 4/2019, doka ta 3)
Banco de México ba za ta amince da bankuna ko cibiyoyin fintech don su bayar da musayar, canja wurin ko kulawa da dukiyoyi na zahiri kai tsaye ga abokan ciniki ba (Circular 4/2019, dokar 3)
Authorisation to organize and operate as a securities broker-dealer
Minimum capitalKashe-a hannun jari na 3 miliyan UDIs ga kamfanonin da aka iyaka zuwa shawarwari, shigar da kuma irin wannan sabis da ba su gudanar kasuwanci (art. 10, I). 9 miliyan UDIs ga mafi yawan sauran ayyuka (art. 10, II). 12.5 miliyan UDIs don ba da lamuni da sabis a cikin LMV art. 171, IV to VI (art. 10, III).
Layin lokaciBa a wallafa ba
AuthorityHukumar Kula da Harkokin Banki ta Kasa
Paid-in cibiyar 3 miliyan UDIs ga kamfanonin da aka iyaka zuwa shawarwari, wuri da kuma irin wannan sabis na da ba su gudanar da kasuwanci (art. 10, I). 9 miliyan UDIs ga mafi yawan sauran ayyuka (art. 10, II). 12.5 miliyan UDIs don kudi da kayayyakin aiki a LMV art. 171, IV zuwa VI (art. 10, III).
Dokar
Ley del Mercado de Valores, arts. 113 to 117; Disposiciones de carácter general aplicables a las casas de bolsa, art. 10
Passporting
Ba da izini ba.
Buƙatun Maɓalli
Sociedad anónima tare da kalmomin casa de bolsa a cikin sunansa da kuma wurin zamarsa a Mexico (rubutun 115, I)
List shareholder tare da asali na kudi da bayanai na shugabanni da manajoji (art. 115, II)
Business shirin tare da IT tsaro, karatun yiwuwar da kuma sarrafawa na ciki (art. 115, III)
Ka'idar halayyar da ke da rikice-rikice na manufofin amfãni (art. 115, IV)
Deposit na 10% na mafi ƙasƙanci jarin a cikin amfani da Federal Treasury (art. 115, V)
Idan an samu shaidar kudin shiga, ma’aikatan da suka dace da kuma ginin akalla kwanaki 30 na kasuwanci kafin farawa (sashe na 116)
National Banking and Securities Commission (CNBV) · websitebanks, E-money institutions, Investment firms
Banco de México (Banxico) · websitebanks, E-money institutions, Virtual asset service providers (VASPs)
Secretaría de Hacienda y Crédito Público (SHCP) · websiteVirtual asset service providers (VASPs)
An sanya adadin jarin a Mexico cikin Unidades de Inversión (UDIs). UDI wani bangare ne na asusun da aka yi nazari kan farashinsa wanda Banco de México ya wallafa. Ba wata kudade ba ce. An adana adadin a cikin UDIs a karkashin lambar ISO MXV, kuma ba'a bayar da lamba ta peso ba. Ga bankuna, cibiyoyin fintech da masu sayar da kayayyakin ciniki, dole ne a biya mafi ƙarancin kudin zuwa ranar kasuwanci ta ƙarshe ta kowace shekara a matsayin darajar UDI na 31 ga Disamba na shekarar da ta gabata. Ley de Instituciones de Crédito da Ley del Mercado de Valores basu gindaya wata mataki ba ga CNBV don yanke shawara game da izinin banki ko mai sayar da kayayyakin ciniki, don haka waɗannan lokaci-lokaci sun zama ba daidai ba. Ba'a tabbatar da kudin shigarwa na CNBV daga wuraren aiki ba, don haka fannoni na kudaden shiga sun zama ba daidai ba. Kudaden ciniki: Ley Fintech na barin Banco de México ya yanke shawarar waɗanne kuɗaɗen wasan kwaikwayo masana'antun fina-finai za su iya amfani da su. A ƙarƙashin Circular 4/2019 Banco de México yana ba da izinin ayyukan ciki kawai, ba sabis na abokan ciniki ba. A watan Yunin 2021 Banco de México, SHCP da CNBV sun bayyana cewa cibiyoyin kudi ba su da izinin samar da ayyuka na kuɗaɗe na kwaikwayo ga jama'a. Saboda sauyin da aka yi a watan Yuli na 2025 AML sun bai wa SHCP watanni goma sha biyu don sabunta dokokinsu na gabaɗaya; ba a bincika ko an buga waɗannan dokoki ba. Sociedades financieras populares, casas de cambio, transmisores de dinero, manajan kuɗaɗe, inshora da izinin wasa a ƙarƙashin Ley Federal de Juegos y Sorteos ba su kasance a cikin wannan bincike ba.
Bayanai na Gabaɗaya
About Mexico
Iyakokin ƙasa na halitta. Maɓallin maɓalli ne kawai.
Status
Sovereign state
Capital
City in Mexico
Area
1,964,375 km²
Yarukan hukuma
Spanish, More than 68 Indigenous languages, including Nahuatl
Yana da Lokaci
UTC-06:00 (Mexico City, babu lokaci na rana daga Oktoba 2022; Baja California da wasu jihohi masu iyaka da arewa suna bin sauye-sauyen sa'a na Amurka)
Main exports
Komfuta da kayan aiki
Mota, motoci da sassan mota
Electrical and electronic equipment
Optical, technical and medical instruments
Na'ura mai kwakwalwa
Main export partners
United States
Kanada
China
Jamus
Koriya ta Kudu
Sources for the country information(19)
Bayanin ƙasar da aka bincika 13 Oktoba 2026. Bayanan lasisi an sabunta su 13 Oktoba 2026. Bayani kawai, ba shawara ta doka ba; buƙatu sun canja. Labari na dokoki.
