{ "updated_at": "2026-10-13T20:41:38.518518+00:00", "audit_version": "1.4.0", "data_status": "LIVE_VERIFIED_11_OF_19", "items": [ { "id": "nu-cajita-vista", "institution": "Nubank México (Nu)", "institution_short": "Nu", "institution_type": "BANCO", "regulatory_type": "INSTITUCION_BANCA_MULTIPLE", "product": "Cajita a la vista 24/7", "annual_rate": 0.14, "rate_display": "14.00%", "rate_type": "nominal_anual", "calculation": { "method": "COMPOUND_INTEREST", "annual_rate": 0.065, "day_count_basis": 365, "capitalization_frequency": "DAILY", "interest_payment_frequency": "DAILY", "face_value": null, "instrument": null }, "rate_conditions": { "min_balance": 0.01, "max_balance": null, "tier_excess_rate": null, "requires_monthly_spend": null, "membership_required": null, "condition_note": "Tasa contrato 6.00% + tasa promocional preferencial de 6.50% anual. 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XX, inc. b)" }, "source": { "url": "https://www.klar.mx/", "type": "official_disclosure", "publisher": "Servicios Financieros Alternativos S.A. de C.V., S.F.P.", "retrieved_at": "2026-09-03T18:00:00Z" }, "valid_from": "2026-07-01", "valid_until": null, "status": "MANUAL_VERIFIED", "last_verified": "2026-09-03T18:00:00Z", "previous_rate": 0.17, "delta_pp": -0.5, "affiliate_url": "https://www.klar.mx/", "product_id": "klar-plazo-365", "retrieved_at": "2026-09-03T18:00:00Z", "verification_status": "MANUAL_VERIFIED", "freshness_status": "FRESH" }, { "id": "finsus-plazo-360", "institution": "Finsus (Financiera Sustentable)", "institution_short": "Finsus", "institution_type": "SOFIPO", "regulatory_type": "SOCIEDAD_FINANCIERA_POPULAR", "product": "Inversión Finsus 360 días", "annual_rate": 0.1409, "rate_display": "14.09%", "rate_type": "nominal_anual", "calculation": { "method": "SIMPLE_INTEREST", "annual_rate": 0.1409, "day_count_basis": 360, "capitalization_frequency": "MONTHLY", "interest_payment_frequency": "MONTHLY" }, "rate_conditions": { "min_balance": 100, "max_balance": null, "promotional": false }, "term_days": 360, "term_label": "360 días (Pago mensual)", "min_amount_mxn": 100, "gat_nominal": 0.1503, "gat_real": 0.1082, "protection": { "scheme": "PROSOFIPO", "fund_name": "Fondo de Protección de SOFIPOs", "deposit_insurance": true, "udis_limit": 25000, "eligible": true, "eligibility_verified": true, "verification_source": "Supervisión CNBV / Prosofipo" }, "tax_treatment": { "scheme": "EXEMPTION_UP_TO_5_UMA", "legal_basis": "LISR Art. 93, fr. 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Tasa tradicional sin membresía: 9.00% anual.", "promotional": false }, "term_days": 28, "term_label": "28 días (Membresía Hey Pro)", "min_amount_mxn": 1000, "gat_nominal": 0.1268, "gat_real": 0.0845, "protection": { "scheme": "IPAB", "fund_name": "Instituto para la Protección al Ahorro Bancario (IPAB)", "deposit_insurance": true, "udis_limit": 400000, "eligible": true, "eligibility_verified": true, "verification_source": "Banco Regional, S.A., Institución de Banca Múltiple" }, "tax_treatment": { "scheme": "STANDARD_WITHHOLDING", "legal_basis": "LIF 2026 Art. 24 / LISR Arts. 54 y 135" }, "source": { "url": "https://heybanco.com/inversion", "type": "official_disclosure", "publisher": "Banregio Grupo Financiero", "retrieved_at": "2026-09-03T18:00:00Z" }, "valid_from": "2026-08-01", "valid_until": null, "status": "MANUAL_VERIFIED", "last_verified": "2026-09-03T18:00:00Z", "previous_rate": 0.125, "delta_pp": -0.5, "affiliate_url": "https://heybanco.com/", "product_id": "hey-banco-pagare-pro", "retrieved_at": "2026-09-03T18:00:00Z", "verification_status": "MANUAL_VERIFIED", "freshness_status": "FRESH" }, { "id": "nu-cajita-turbo", "institution": "Nubank México (Nu)", "institution_short": "Nu", "institution_type": "BANCO", "regulatory_type": "INSTITUCION_BANCA_MULTIPLE", "product": "Cajita Turbo", "annual_rate": 0.13, "rate_display": "13.00%", "rate_type": "nominal_anual", "calculation": { "method": "COMPOUND_INTEREST", "annual_rate": 0.13, "day_count_basis": 365, "capitalization_frequency": "DAILY", "interest_payment_frequency": "DAILY", "face_value": null, "instrument": null }, "rate_conditions": { "min_balance": 0.01, "max_balance": null, "tier_excess_rate": null, "requires_monthly_spend": null, "membership_required": null, "condition_note": "Valores calculados al 10 de agosto de 2026. 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(Klar)", "institution_short": "Klar", "institution_type": "SOFIPO", "regulatory_type": "SOCIEDAD_FINANCIERA_POPULAR", "product": "Klar Cuenta Vista (Plus)", "annual_rate": 0.05, "rate_display": "5.00%", "rate_type": "nominal_anual", "calculation": { "method": "COMPOUND_INTEREST", "annual_rate": 0.05, "day_count_basis": 365, "capitalization_frequency": "DAILY", "interest_payment_frequency": "DAILY", "face_value": null, "instrument": null }, "rate_conditions": { "min_balance": 100.0, "max_balance": null, "tier_excess_rate": null, "requires_monthly_spend": null, "membership_required": null, "condition_note": "Nivel Plus: Tasa del 5.00% a la vista con liquidación diaria.", "promotional": false, "valid_until": null }, "term_days": 0, "term_label": "A la vista (Diario)", "min_amount_mxn": 100.0, "gat_nominal": 0.0512, "gat_real": 0.0116, "protection": { "scheme": "PROSOFIPO", "fund_name": "Fondo de Protección de Sociedades Financieras Populares (PROSOFIPO)", "deposit_insurance": true, "udis_limit": 25000, "eligible": true, "eligibility_verified": true, "verification_source": "Padrón de Entidades Supervisadas CNBV / PROSOFIPO" }, "credit_risk": null, "tax_treatment": { "scheme": "EXEMPTION_UP_TO_5_UMA", "description": "Exención fiscal del ISR hasta por 5 UMA anuales ($213,973.20 MXN)", "legal_basis": "LISR Art. 93, fr. XX, inc. b)" }, "source": { "url": "https://www.klar.mx/cuenta", "type": "official_disclosure", "publisher": "Klar (Servicios Financieros Alternativos S.A. de C.V. S.F.P.)", "retrieved_at": "2026-10-13T20:41:30.781641+00:00", "source_sha256": "d81572f599e873ec068b93654646e4158e95465c11cf05b261f4b6b0354d1289" }, "valid_from": "2026-08-01", "valid_until": "2026-10-31", "status": "AUTO_VERIFIED", "verification_status": "AUTO_VERIFIED", "freshness_status": "FRESH", "last_verified": "2026-10-13T20:41:38.520449Z", "previous_rate": 0.05, "delta_pp": 0.0, "affiliate_url": "https://www.klar.mx/cuenta", "note": null, "product_id": "klar-cuenta-vista" }, { "id": "klar-inversion-fija", "institution": "Servicios Financieros Alternativos, S.A. de C.V., S.F.P. (Klar)", "institution_short": "Klar", "institution_type": "SOFIPO", "regulatory_type": "SOCIEDAD_FINANCIERA_POPULAR", "product": "Klar Inversión Fija (365 días)", "annual_rate": 0.15, "rate_display": "15.00%", "rate_type": "nominal_anual", "calculation": { "method": "FIXED_TERM", "annual_rate": 0.15, "day_count_basis": 365, "capitalization_frequency": null, "interest_payment_frequency": "AT_MATURITY", "face_value": null, "instrument": null }, "rate_conditions": { "min_balance": 100.0, "max_balance": null, "tier_excess_rate": null, "requires_monthly_spend": null, "membership_required": null, "condition_note": "Inversión Fija 365 días Nivel Plus/Platino. 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