# 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-KYC accounts

- **ID:** `banking/spei-daily-limit`
- **Domain:** banking
- **Category:** config_error
- **Error Code:** `SPEI_LIMIT_EXCEEDED_15000`
- **Verification:** ai_generated
- **Fix Rate:** 75%

## Root Cause

Banxico's SPEI regulations mandate that accounts without full KYC (e.g., foreign freelancers with only a passport) have a daily cash deposit limit of 15,000 MXN; exceeding this triggers automatic freezing of the account until identity verification is completed.

## Version Compatibility

| Version | Status | Introduced | Deprecated |
|---------|--------|------------|------------|
| SPEI v4.0 | active | — | — |
| Banxico Circular 2023/15 | active | — | — |
| CNBV KYC Framework 2024 | active | — | — |

## Workarounds

1. **Complete full KYC by providing a valid Mexican visa (temporary or permanent), utility bill, and RFC (tax ID) to the bank; this raises the daily limit to 500,000 MXN.** (85% success)
   ```
   Complete full KYC by providing a valid Mexican visa (temporary or permanent), utility bill, and RFC (tax ID) to the bank; this raises the daily limit to 500,000 MXN.
   ```
2. **Use a digital wallet like Mercado Pago (Cuenta Digital) which offers higher limits for foreign freelancers with simplified KYC (passport + CURP).** (70% success)
   ```
   Use a digital wallet like Mercado Pago (Cuenta Digital) which offers higher limits for foreign freelancers with simplified KYC (passport + CURP).
   ```
3. **Split payments across multiple days to stay under the 15,000 MXN limit until full KYC is processed.** (60% success)
   ```
   Split payments across multiple days to stay under the 15,000 MXN limit until full KYC is processed.
   ```

## Dead Ends

- **** — Banxico's system aggregates all accounts under the same CURP/RFC; cross-account limits apply. (100% fail)
- **** — SPEI requires the beneficiary name to match the account holder; mismatches cause payment rejection and potential fraud flags. (95% fail)
- **** — Mexican banks require full KYC (valid visa, utility bill, tax ID) for any limit increase; no exceptions. (98% fail)