Business onboarding · Latin America
One answer.Every door.
A company hands over its file once and, with its consent, reuses it at every institution. Each institution reviews it against its own rules, and its team decides.
The problem
A company proves who it is over and over.
Every bank, lender, fintech and insurer asks for the same articles of incorporation, the same tax certificate, the same power of attorney. Every onboarding team reviews those documents by hand, against criteria nobody wrote down.
6 of 9
financial institution apps in Mexico did not open an account in real time.
72 h+
is how long three of them took. And those were individuals.
For a company it takes months. Customers are lost on both sides of the same circuit.
Source: FinFacts 2026.
What Sphinx does
One file. Each institution, its own rules.
The company answers once.
It hands over its file and, at the next institution, with its consent and document by document, reuses it instead of uploading it again.
Each institution reviews with its own rules.
Your compliance team writes the rules once. Sphinx reviews every file against them and shows what is missing and why.
The team decides.
A person accepts or rejects, with a reason, and it is recorded. Documents are reused. Never another institution's decisions or risk profiles.
Demo
The second door asks only for what is missing.
This is what a treasurer sees when their company arrives at a second institution. Change the institution's rule or remove a document, and watch what is missing move.
Financiera Aurora's rule
It accepts a tax status certificate issued no more than
Illustrative rule. Its compliance team writes it once, and changing it takes no deployment.
Financiera Aurora
Empresa Ejemplo, S.A. de C.V.
RFC XAXX010101000
withsphinx
File found
You already handed over 5 of the 7 documents Financiera Aurora asks for.
If you share 5 documents, you still owe 2 documents.
You still owe 2 of 7 documents.
Handed over on March 12, 2026.
Handed over on March 12, 2026.
Handed over on March 12, 2026.
Handed over on March 12, 2026.
Handed over on March 12, 2026.
Tax status certificate
Asked againYour certificate is 48 days old and Financiera Aurora accepts at most 30. Upload a new one.
Financiera Aurora's form
MissingIt is Financiera Aurora's own form. It does not come from your file.
Sharing is not approval. Financiera Aurora reviews every document against its rules, and its team decides.
Simulated scenario. Financiera Aurora and Empresa Ejemplo are fictional. In the example, today is September 21, 2026.
Documents are reused.Decisions never are.
Travels with the company
- Documents
- Confirmed fields
- When and how they were captured
Stays with each institution
- Its rules
- The risk profile
- The decision and its reason
- AML liability
A reused document gets no discount. The institution that receives it reviews it as if it had just been uploaded.
Always the same door
A button your team does not have to design.
The button, the badge and the symbol are identical on every platform, in every country and language. A treasurer recognizes them in three seconds inside your app and knows onboarding will be simple.
Your brand leads.
On your platform Sphinx shows up the way a payment network does at checkout. Your type and your color stay.
The option without Sphinx always exists.
As a link, never as a button of equal weight.
It never says verified, approved or certified.
Sphinx reviews. Your team decides, and every screen says so.
Financiera Aurora
Open your company's account.
Credit and treasury for mid-sized companies.
Your team
Everyone at your institution gets something different.
| Who | Where they meet Sphinx | What they get |
|---|---|---|
| Onboarding analyst | In the desk, all day | A calm queue, what each file is missing, and the follow-up message ready to copy. |
| Compliance officer | In the rule builder | The rules are theirs. Every risk point carries the name of a rule. |
| Head of AML | In the ZIP and the decision record | Sphinx does not decide. Who decided, when, and against which rules is on record. |
| Engineering | In the SDK and the API | A button they do not have to design. |
| Business | In their own funnel | Their brand leads. Onboarding asks for fewer steps. |
| The company's treasurer | In your app or your site | They see Sphinx and know it will be quick: they already have their file. |
No riddles
Sphinx reviews. Your team decides.
A compliance product cannot be a riddle. This is what Sphinx enforces, and what it is not.
Consent is document by document.
Explicit, per institution, recorded and revocable. Never all or nothing.
An institution never learns where else a company onboarded.
Provenance says when and how a document was captured. Not for whom.
No screen suggests Sphinx approved anything.
A decision carries a person's name, not a color. And AML liability does not transfer.
A number never stands alone.
Every requirement is asked in plain words, every pending item says what to do, and every risk point has the name of a rule.
Your own forms do not travel.
Only documents from the shared catalog are reusable. What belongs to one institution stays there.
Sphinx is not
- Account aggregation.
- Payment initiation.
- A KYC vendor. ID capture, liveness and sanctions lists stay with their vendors.
Questions
What an institution asks first.
Put Sphinx at your door.
Your team writes its rules once and companies arrive with their file. Tell us what your onboarding looks like today and we will show you how it looks with Sphinx.
santiago@sphinx.lat