Duxi Finanzas CURP, CLABE and MXN loan APIs

Duxi Finanzas · Lending 4.9 ★

Duxi Finanzas: Préstamo Seguro is the Android client of Duxi Finanzas, the consumer brand of VERTRAUEN FINANCIERA, S.A. DE C.V., SOFOM, E.N.R., a CNBV- and CONDUSEF-supervised Mexican SOFOM based in Mexico City. Borrowers aged 18+ apply with an INE credential for unsecured peso cash of MXN 1,000–30,000 over 91–365 days at a published annual rate of 36–360% plus 16% IVA, with a claimed five-minute decision, bank-transfer disbursement onto a CLABE or debit card, and repayment over SPEI or OXXO. Sign-in is phone-number first (OTP, then a password), then a KYC wizard that OCR-reads the INE, runs face liveness, collects RFC/address/income/emergency contacts, and only then unlocks the loan-guide calculator (quincenal or monthly terms, coupons, contract signing) and a credit-growth / credit-score tab that can re-offer a higher limit. Customer service is [email protected] and +52 5599905610. Google Play lists a 4.93 rating across 270,687 reviews and 1M+ downloads. It sits in Mexico’s SOFOM cash-loan lane against DiDi Finanzas, Credmex and Kueski.

INE-OCR curp rows pin a Mexican borrower to optional rfc, fatherLastName / motherLastName and the basic-info birthday / gender pair, while the credit-growth card publishes creditLimit against availableLimit in centavos next to isReoffer. Loan-guide trials stamp loanAmount, termDays, quincenal-or-monthly installments and fixedRepayDays onto a CLABE or debit cardNumber (cardType 2 vs 1), and the bill list keys SPEI/OXXO pay-ins by loanId + installmentNo with dueStatus and a cashierUrl.

KYC desks, SOFOM collections stacks and peso disbursement reconcilers can join those fields without re-keying INE OCR or CLABE digits. openData Studio turns the same objects into callable open data for credit-line monitors, duplicate-CURP blockers and SPEI/OXXO bill bots.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Query KYC pending components

POST /v1/onboarding/requirements osint

Returns the KYC wizard's pendingComponents (basic info, address, income, INE front/back, liveness, emergency contacts) plus any already-saved componentData.

Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.

submissionSource
pendingComponents
componentData
name
email
rfc
educationLevel
maritalStatus
dependentsCount

POST /v1/onboarding/requirements HTTP/1.1
Content-Type: application/json

{
  "submissionSource": "KYC"
}

{
  "code": 0,
  "data": {
    "pendingComponents": [
      "KYC_100_BASIC_INFO",
      "KYC_101_ADDRESS",
      "KYC_102_INCOME",
      "KYC_103_IDENTITY_FRONT",
      "KYC_104_IDENTITY_BACK",
      "KYC_105_LIVENESS_FACE",
      "KYC_106_EMERGENCY_CONTACT"
    ],
    "componentData": {
      "KYC_100_BASIC_INFO": {
        "name": "MARIA LOPEZ",
        "email": "[email protected]",
        "rfc": "LOPM850101XXX",
        "educationLevel": "bachelor",
        "maritalStatus": "single",
        "dependentsCount": 0
      }
    }
  }
}

Save KYC component

POST /v1/onboarding/components osint

Persists one KYC componentCode (basic info, address, income, INE OCR, liveness or emergency contacts) and returns submissionId plus verificationStatus.

Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.

componentCode
submissionSource
componentData
name
fatherLastName
motherLastName
email
rfc
educationLevel
maritalStatus
dependentsCount
gender
birthday
submissionId
verificationStatus

POST /v1/onboarding/components HTTP/1.1
Content-Type: application/json

{
  "componentCode": "KYC_100_BASIC_INFO",
  "submissionSource": "KYC",
  "componentData": {
    "name": "MARIA LOPEZ",
    "fatherLastName": "LOPEZ",
    "motherLastName": "GARCIA",
    "email": "[email protected]",
    "rfc": "LOPM850101XXX",
    "educationLevel": "bachelor",
    "maritalStatus": "single",
    "dependentsCount": 0,
    "gender": "female",
    "birthday": "1985-01-01"
  }
}

{
  "code": 0,
  "data": {
    "componentCode": "KYC_100_BASIC_INFO",
    "submissionId": "sub_7c41d9e2",
    "verificationStatus": 1,
    "message": "OK"
  }
}

Submit credit application
POST /v1/credit/requests openfinance
Submits the completed KYC pack as a credit application (submissionSource KYC) with deviceContext and returns reviewing status plus a centavo creditLimit when already decided.
Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.
- submissionSource
- deviceContext
- deviceId
- deviceFingerprint
- terminalType
- loginChannel
- status
- creditLimit
```
POST /v1/credit/requests HTTP/1.1
Content-Type: application/json

{
  "submissionSource": "KYC",
  "deviceContext": {
    "deviceId": "web-1729468800",
    "deviceFingerprint": "fp_demo",
    "terminalType": "web",
    "loginChannel": "web"
  }
}
```
```
{
  "code": 0,
  "data": {
    "status": "CREDIT_REVIEWING",
    "creditLimit": 1500000,
    "message": "OK"
  }
}
```
Credit-line summary
POST /v1/accounts/credit-line openfinance
Loads the credit-growth card: creditLimit and availableLimit in centavos (UI divides by 100), isReoffer / reofferOrderInfo.status, and the latest recentRepaymentInfo.
Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.
- creditLimit
- availableLimit
- isReoffer
- reofferOrderInfo
- status
- recentRepaymentInfo
- loanOrderId
- repayAmount
```
POST /v1/accounts/credit-line HTTP/1.1
Content-Type: application/json

{}
```
```
{
  "code": 0,
  "data": {
    "creditLimit": 3000000,
    "availableLimit": 1850000,
    "isReoffer": true,
    "reofferOrderInfo": {
      "status": "ELIGIBLE"
    },
    "recentRepaymentInfo": {
      "loanOrderId": "LN20261021001",
      "repayAmount": 215000
    }
  }
}
```

Loan-guide snapshot

POST /v1/offers/current openfinance

Loads the loan-guide calculator: availableAmount vs min/max per draw, offerVersion, quincenal (15) or monthly (30) availableTerms, loanPurposeMap, fixedRepayDays and a recommend repaymentMethod.

Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.

offerVersion
isReoffer
availableAmount
interestRate
annualRate
dailyRate
minPerLoanAmount
maxPerLoanAmount
defaultAmount
defaultTermDays
availableTerms
loanPurposeMap
pendingOrders
fixedRepayDays
repayDaysEnter
termDays
installments
repaymentMethod

POST /v1/offers/current HTTP/1.1
Content-Type: application/json

{}

{
  "code": 0,
  "data": {
    "offerVersion": "1.0",
    "isReoffer": false,
    "availableAmount": 15000,
    "requestedAmount": 0,
    "interestRate": 0.36,
    "rates": {
      "annualRate": "0.36",
      "dailyRate": "0.001"
    },
    "minPerLoanAmount": 1000,
    "maxPerLoanAmount": 15000,
    "defaultAmount": 8000,
    "defaultTermDays": 91,
    "availableTerms": {
      "quincenal": {
        "15": [2, 4, 6],
        "30": [3, 6, 12]
      }
    },
    "loanPurposeMap": {
      "01": "Gastos personales"
    },
    "pendingOrders": 0,
    "fixedRepayDays": "1,16",
    "repayDaysEnter": 1,
    "recommend": {
      "termDays": 15,
      "installments": 6,
      "repaymentMethod": "SPEI"
    }
  }
}

Calculate loan trial

POST /v1/offers/quote openfinance

Quotes a peso trial for loanAmount / termDays / installments / repaymentMethod and returns principal, totalService, discount, repayDate schedule and repayDaysDiffCount for the first period.

Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.

trialNo
loanAmount
offerVersion
termDays
installments
repaymentMethod
couponId
usedCouponId
serviceRate
totalAmount
principal
totalService
afterDiscountService
discount
repayDaysDiffCount
termSchedule
modeOfRepayAmount
repayDate
availableCouponList

POST /v1/offers/quote HTTP/1.1
Content-Type: application/json

{
  "trialNo": "trial_1729468800_abc",
  "loanAmount": 8000,
  "offerVersion": "1.0",
  "termDays": 15,
  "installments": 6,
  "repaymentMethod": "SPEI",
  "couponId": "CPN_WELCOME"
}

{
  "code": 0,
  "data": {
    "trialNo": "trial_1729468800_abc",
    "common": {
      "usedCouponId": "CPN_WELCOME"
    },
    "trialResults": {
      "termDays": 15,
      "installments": 6,
      "serviceRate": "0.36",
      "totalAmount": 9120,
      "principal": 8000,
      "totalService": 1120,
      "afterDiscountService": 980,
      "discount": 140,
      "repayDaysDiffCount": 12,
      "termSchedule": [
        {
          "termDays": 15,
          "installments": 6,
          "modeOfRepayAmount": 1520,
          "repayDate": "2026-11-01"
        }
      ],
      "availableCouponList": [
        {
          "couponId": "CPN_WELCOME"
        }
      ]
    }
  }
}

Submit loan application

POST /v1/loans/requests openfinance

Books a draw against the credit line: loanAmount, termDays, installments, loanPurpose, repaymentMethod, appliedCouponIds and disbursement cardId, returning loanOrderId or requiredComponents for extra KYC.

Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.

offerVersion
loanAmount
termDays
installments
loanPurpose
repaymentMethod
appliedCouponIds
cardId
deviceContext
networkContext
locationContext
loanOrderId
loanCacheKey
requiredComponents

POST /v1/loans/requests HTTP/1.1
Content-Type: application/json

{
  "offerVersion": "1.0",
  "loanAmount": 8000,
  "termDays": 15,
  "installments": 6,
  "loanPurpose": "01",
  "repaymentMethod": "SPEI",
  "appliedCouponIds": ["CPN_WELCOME"],
  "cardId": "card_9f21",
  "deviceContext": {
    "deviceId": "web-1729468800",
    "deviceFingerprint": "fp_demo",
    "terminalType": "web",
    "loginChannel": "web"
  },
  "networkContext": {
    "isp": ""
  },
  "locationContext": {
    "latitude": "19.4326",
    "longitude": "-99.1332"
  }
}

{
  "code": 0,
  "data": {
    "loanOrderId": "LN20261021001",
    "loanCacheKey": "cache_aa12",
    "requiredComponents": []
  }
}

Loan order detail

POST /v1/loans/lookup openfinance

Loads one loanOrderId: loanStatus (PROCESSING, PENDING_REPAY, OVERDUE, SETTLED, DISBURSING), peso loanAmount, installment schedule, totalServiceAfterDiscount and the masked disbursement subCardNo.

Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.

loanOrderId
loanStatus
createTime
confirmDate
loanAmount
termDays
installment
totalService
totalServiceAfterDiscount
protocolTitle
cardInfo
bankName
subCardNo
repaymentSchedule
installmentNo
repayDate
failureReason

POST /v1/loans/lookup HTTP/1.1
Content-Type: application/json

{
  "loanOrderId": "LN20261021001"
}

{
  "code": 0,
  "data": {
    "loanOrderId": "LN20261021001",
    "loanStatus": 2,
    "createTime": "2026-10-21T11:04:00-06:00",
    "confirmDate": "2026-10-21T11:06:12-06:00",
    "loanAmount": 8000,
    "termDays": 15,
    "installment": 6,
    "totalService": 1120,
    "totalServiceAfterDiscount": 980,
    "protocolTitle": "Contrato de crédito",
    "cardInfo": {
      "bankName": "BBVA",
      "subCardNo": "646180123456789012"
    },
    "repaymentSchedule": [
      {
        "installmentNo": 1,
        "repayDate": "2026-11-01",
        "status": 1,
        "amountAfterDiscount": 1520
      }
    ]
  }
}

List disbursement cards
POST /v1/payout-accounts/list openbanking
Lists bound payout rails: cardType 2 is an 18-digit CLABE, cardType 1 a 16-digit debit card; useType 1 is the main card and status 4 is ACTIVE.
Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.
- bankCardList
- cardId
- bankName
- cardNumber
- cardType
- status
- useType
- bankLogoOss
```
POST /v1/payout-accounts/list HTTP/1.1
Content-Type: application/json

{}
```
```
{
  "code": 0,
  "data": {
    "bankCardList": [
      {
        "cardId": "card_9f21",
        "bankName": "BBVA",
        "cardNumber": "646180123456789012",
        "cardType": 2,
        "status": 4,
        "useType": 1,
        "bankLogoOss": "https://cdn.example.com/banks/bbva.png"
      }
    ]
  }
}
```

Bind CLABE or debit card

POST /v1/payout-accounts/link openbanking

Binds an 18-digit CLABE or 16-digit debit cardNumber under bankCode and KYC cardHolderName; MFA / LIVENESS_LANDING returns cardDraftId for the face check before cardId is issued.

Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.

cardNumber
cardHolderName
cardType
bankCode
deviceContext
networkContext
locationContext
status
nextStep
cardDraftId
cardId

POST /v1/payout-accounts/link HTTP/1.1
Content-Type: application/json

{
  "cardNumber": "646180123456789012",
  "cardHolderName": "MARIA LOPEZ",
  "cardType": 2,
  "bankCode": "BBVA",
  "deviceContext": {
    "deviceId": "web-1729468800",
    "deviceFingerprint": "fp_demo",
    "terminalType": "WEB",
    "loginChannel": "PWA"
  },
  "networkContext": {
    "clientIp": "",
    "isp": ""
  },
  "locationContext": {
    "latitude": "",
    "longitude": "",
    "altitude": ""
  }
}

{
  "code": 0,
  "data": {
    "status": "LIVENESS_LANDING",
    "nextStep": "LIVENESS_LANDING",
    "cardDraftId": "draft_44ab",
    "cardId": null
  }
}

Pending repayment bills

POST /v1/repayments/due openbanking

Pages peso bills grouped by year/month: each row is loanId + installmentNo with totalAmount, dueStatus (1 due-soon, 2 overdue), daysToDue / overdueDays and repayTime.

Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.

page
pageSize
total
accountDate
newPendingList
loanId
loanOrderId
installmentNo
repayTime
createdTime
totalAmount
dueStatus
daysToDue
overdueDays

POST /v1/repayments/due HTTP/1.1
Content-Type: application/json

{
  "page": 1,
  "pageSize": 10
}

{
  "code": 0,
  "data": {
    "total": 2,
    "accountDate": "2026-10-21",
    "newPendingList": {
      "2026": {
        "10": [
          {
            "loanId": "L-8801",
            "loanOrderId": "LN20261021001",
            "installmentNo": 1,
            "repayTime": "2026-11-01T00:00:00-06:00",
            "createdTime": "2026-10-21T11:06:12-06:00",
            "totalAmount": 1520,
            "dueStatus": "1",
            "daysToDue": 11,
            "overdueDays": 0
          }
        ]
      }
    }
  }
}

Confirm repayment
POST /v1/repayments/sessions openbanking
Locks selected loanId + installmentNo rows for amount pesos and returns cashierUrl (SPEI or OXXO H5) plus an in-flight repayOrderId with remainTime seconds.
Auth: Authenticated session from phone-OTP (then password) login. JSON POST; an auth-expired code in the response envelope restarts login.
- loans
- loanId
- installmentNo
- amount
- cashierUrl
- repayOrderId
- repayAmount
- remainTime
```
POST /v1/repayments/sessions HTTP/1.1
Content-Type: application/json

{
  "loans": [
    {
      "loanId": "L-8801",
      "installmentNo": 1
    }
  ],
  "amount": 1520
}
```
```
{
  "code": 0,
  "data": {
    "cashierUrl": "https://pay.example/spei/session",
    "repayOrderId": "RP20261021088",
    "repayAmount": 1520,
    "remainTime": 900
  }
}
```

Data categories

kyc
credit-limits
loans
bank-accounts
repayments

Where teams use this data

MXN credit-line monitoring
A collections or CRM stack polls creditLimit against availableLimit (centavos) and isReoffer so a higher-limit campaign only fires when reofferOrderInfo.status is open, instead of blasting every settled borrower.
INE / CURP identity match
Onboarding bots join INE-OCR curp and optional rfc with fatherLastName / motherLastName and emergency-contact phones so a duplicate CURP (error 120257) is caught before a second peso line is booked.
CLABE disbursement recon
Treasury matches loan apply cardId to a CLABE cardNumber (18 digits, cardType 2) or a 16-digit debit card, using bankCode and useType=main so SPEI payouts land on the same-name account that passed liveness.
SPEI / OXXO bill collection
A pay-in bot selects loanId + installmentNo rows where dueStatus is overdue or due-soon, posts repayConfirm, and opens cashierUrl for SPEI or OXXO before remainTime on an in-flight repayOrderId expires.

Frequently asked questions

What borrower fields sit on a Duxi Finanzas credit line?

The credit-growth card exposes creditLimit and availableLimit in centavos, isReoffer plus reofferOrderInfo.status, and a recentRepaymentInfo block. The loan-guide snapshot adds availableAmount, minPerLoanAmount / maxPerLoanAmount, interestRate, availableTerms and fixedRepayDays.

How does Duxi Finanzas identify a Mexican borrower?

The KYC wizard walks KYC_100_BASIC_INFO through KYC_105_LIVENESS_FACE: INE front/back OCR yields curp, the basic-info form takes name, rfc, email, birthday, gender, educationLevel, maritalStatus and dependentsCount, then address, income and emergency contacts, and a face-liveness step before the credit application is submitted.

How are pesos paid out and collected?

Disbursement binds an 18-digit CLABE (cardType 2) or 16-digit debit card (cardType 1) under bankCode and cardHolderName, then the loan request sends that cardId. Repayment lists loanId + installmentNo rows, a repayment confirmation returns cashierUrl for SPEI or OXXO, and an in-flight repayOrderId carries remainTime.

Who operates Duxi Finanzas?

Duxi Finanzas is the consumer brand of VERTRAUEN FINANCIERA, S.A. DE C.V., SOFOM, E.N.R., a CNBV- and CONDUSEF-supervised Mexican SOFOM. Support is [email protected] and +52 5599905610.

Apps similar to Duxi Finanzas: Préstamo Seguro

DiDi Finanzas — DiDi Finanzas is DiDi Global's Mexico finance app, with a revolving DiDi Préstamos line of MXN 200–46,800 over up to 180 days, CLABE disbursement, SPEI or OXXO repayment, plus DiDi Card and DiDi Cuenta.
Kueski — Kueski is a Mexican SOFOM E.N.R. (Kueski S.A.P.I. de C.V.) supervised by Condusef and the CNBV whose app combines Kueski Pay — buy now and pay in quincenas online or in stores — with cash loans in the same client.
Credmex — Credmex is a CONDUSEF-registered Mexican personal-loan app that advertises unsecured cash of MXN 2,000–50,000 over 91–180 days at a published APR of 31.03%–372.41%, with INE/IFE onboarding and SPEI or cash-store repayment.
Baubap — Baubap is a CNBV-supervised, CONDUSEF-registered Mexican SOFOM (Baubap, S.A.P.I. de C.V., SOFOM, ENR) whose app takes an INE and offers unsecured loans of MXN 500–9,000 over 90 days to 24 months without a credit-bureau check, at a published maximum APR of 300%.
Tala — Tala's Mexico app (Tala Mobile) advertises unsecured cash of MXN 300–22,000 over 61–120 days with no credit-bureau review, direct deposit or cash-out, and a published annual rate of 201%–432% plus IVA, and it is registered with CONDUSEF.
Stori — Stori is a Mexican credit-and-savings app that issues Stori Green and Stori Black no-annual-fee credit cards plus Stori Cuenta+, a digital account with yield-bearing savings, debit, and bill pay.

More Lending apps

Topics

duxi finanzas api
curp kyc mexico
clabe spei loan
sofom prestamo
creditLimit availableLimit
fixedRepayDays quincenal
vertrauen financiera
oxxo repayment

Need this app's data API integrated?

We deliver scoped integrations for any named app — from USD 500 with source-code handoff, or hosted access billed per call. Tell us the data you need.

NDA + SOW on every engagement
Delivery in 3–7 days
Payment only after acceptance
Work scoped to authorized use

Get a quote

Duxi Finanzas CURP, CLABE and MXN loan APIs

Screenshots

API surface

Query KYC pending components

Save KYC component

Submit credit application

Credit-line summary

Loan-guide snapshot

Calculate loan trial

Submit loan application

Loan order detail

List disbursement cards

Bind CLABE or debit card

Pending repayment bills

Confirm repayment

Data categories

Where teams use this data

MXN credit-line monitoring

INE / CURP identity match

CLABE disbursement recon

SPEI / OXXO bill collection

Frequently asked questions

Apps similar to Duxi Finanzas: Préstamo Seguro

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?

Duxi Finanzas CURP, CLABE and MXN loan APIs

Screenshots

API surface

Query KYC pending components

Save KYC component

Submit credit application

Credit-line summary

Loan-guide snapshot

Calculate loan trial

Submit loan application

Loan order detail

List disbursement cards

Bind CLABE or debit card

Pending repayment bills

Confirm repayment

Data categories

Where teams use this data

MXN credit-line monitoring

INE / CURP identity match

CLABE disbursement recon

SPEI / OXXO bill collection

Frequently asked questions

Related apps

Apps similar to Duxi Finanzas: Préstamo Seguro

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?