{
  "id": "banking/mexico-spei-daily-limit",
  "signature": "AI tells a foreign freelancer in Mexico to receive payments via SPEI without mentioning the daily cash deposit limit of 15,000 MXN for non-account holders",
  "signature_zh": "AI告诉墨西哥的外国自由职业者通过SPEI接收付款，但没有提到非账户持有人的每日现金存款限额为15,000墨西哥比索",
  "regex": "(?i)(SPEI|Sistema de Pagos Electrónicos Interbancarios).*(limit|15,000|15000|exceed|block)",
  "domain": "banking",
  "category": "config_error",
  "subcategory": null,
  "root_cause": "Banxico's anti-money laundering regulations (Circular 4/2019) impose a daily cash deposit limit of 15,000 MXN for non-account holders using SPEI, which freelancers often exceed when receiving lump-sum payments from clients.",
  "root_cause_type": "generic",
  "root_cause_zh": "墨西哥央行（Banxico）的反洗钱规定（2019年第4号通函）对非账户持有人使用SPEI的每日现金存款限额为15,000墨西哥比索，自由职业者经常在接收客户一次性付款时超过此限额。",
  "versions": [
    {
      "version": "Banxico Circular 4/2019",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "SPEI v3.0 (2022)",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "Mexican banking regulation for non-residents",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "Banxico's system aggregates all SPEI deposits from a single sender to a single recipient within a day; splitting does not bypass the cumulative limit.",
      "fail_rate": 0.85,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "This violates Banxico's KYC rules and can result in account freezing or fines for both parties.",
      "fail_rate": 0.95,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "International wires are subject to different limits but incur high fees (up to $50 USD) and longer settlement times (3-5 days), defeating the purpose of SPEI's instant transfers.",
      "fail_rate": 0.7,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Open a Mexican bank account (e.g., with BBVA or Banamex) using your valid immigration document (FM3/FM2 or temporary residence card) to remove the non-account holder limit entirely.",
      "success_rate": 0.9,
      "how": "Open a Mexican bank account (e.g., with BBVA or Banamex) using your valid immigration document (FM3/FM2 or temporary residence card) to remove the non-account holder limit entirely.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Request the client to spread the payment over multiple days, each under 15,000 MXN, using separate SPEI transactions on different dates.",
      "success_rate": 0.85,
      "how": "Request the client to spread the payment over multiple days, each under 15,000 MXN, using separate SPEI transactions on different dates.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Use a digital wallet like Mercado Pago or Klar that supports SPEI reception with higher limits for verified users (up to 50,000 MXN daily).",
      "success_rate": 0.8,
      "how": "Use a digital wallet like Mercado Pago or Klar that supports SPEI reception with higher limits for verified users (up to 50,000 MXN daily).",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Open a Mexican bank account (e.g., with BBVA or Banamex) using your valid immigration document (FM3/FM2 or temporary residence card) to remove the non-account holder limit entirely.",
    "Request the client to spread the payment over multiple days, each under 15,000 MXN, using separate SPEI transactions on different dates.",
    "Use a digital wallet like Mercado Pago or Klar that supports SPEI reception with higher limits for verified users (up to 50,000 MXN daily)."
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.banxico.org.mx/regulacion/circular-4-2019.html",
  "official_doc_section": null,
  "error_code": "SPEI-LIMIT-15000",
  "verification_tier": "ai_generated",
  "confidence": 0.82,
  "fix_success_rate": 0.88,
  "resolvable": "partial",
  "first_seen": "2024-01-10",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}