generated: '2026-08-23'
method: searched
source: https://kapital.com/llms.txt
note: >-
  Kapital publishes no machine-readable API contract, so nothing here is derived from a
  spec. Every entry below is a claim Kapital makes on its own site or in its own llms.txt,
  with the exact page it was read from. The cross-cutting API standards this pipeline
  normally checks (OAuth 2.0, OIDC, RFC 9457, pagination, idempotency, JSON:API, OData,
  SCIM) are all recorded as not-applicable rather than false: there is no public API
  surface for them to apply to.
scope: >-
  Regulatory and domain-standard conformance of KPTL MEXICO BANK, S.A., Institucion de Banca
  Multiple, Kapital Mexico Grupo Financiero.
conformance:
- id: cnbv-supervised-banking-institution
  name: Supervised by the Comision Nacional Bancaria y de Valores (CNBV)
  conforms: true
  evidence:
    quote: >-
      KPTL MEXICO BANK, S.A., INSTITUCION DE BANCA MULTIPLE, KAPITAL MEXICO GRUPO FINANCIERO
      - Entidad supervisada por la Comision Nacional Bancaria y de Valores (CNBV).
    url: https://kapital.com/recursos/gobierno-corporativo
    http_status: 200
    observed: '2026-08-23'
- id: banxico-supervised
  name: Supervised by Banco de Mexico (Banxico)
  conforms: true
  evidence:
    quote: >-
      Entidad financiera estrictamente supervisada por la Comision Nacional Bancaria y de
      Valores (CNBV) y Banco de Mexico (Banxico).
    url: https://kapital.com/llms.txt
    http_status: 200
    observed: '2026-08-23'
- id: ipab-deposit-protection
  name: Deposits protected by IPAB (Instituto para la Proteccion al Ahorro Bancario)
  conforms: true
  evidence:
    url: https://kapital.com/recursos/productos-protegidos-por-el-ipab
    http_status: 200
    observed: '2026-08-23'
- id: condusef-une
  name: CONDUSEF complaint regime with a published UNE (Unidad Especializada de Atencion)
  conforms: true
  evidence:
    quote: 'Atencion a controversias: UNE Kapital y CONDUSEF (800 999 8080).'
    url: https://kapital.com/recursos/une
    http_status: 200
    observed: '2026-08-23'
- id: buro-de-entidades-financieras
  name: Listed in the CONDUSEF Buro de Entidades Financieras
  conforms: true
  evidence:
    url: https://kapital.com/recursos/costos-y-comisiones
    http_status: 200
    observed: '2026-08-23'
- id: published-financial-statements
  name: Publishes audited financial statements and corporate-governance disclosures
  conforms: true
  evidence:
    url: https://kapital.com/recursos/estados-financieros
    http_status: 200
    observed: '2026-08-23'

domain_standards:
  note: >-
    Kapital's market is Mexican regulated banking, whose domain standards are the Banxico
    payment systems. Kapital participates in them as a licensed multiple-banking institution
    and says so on its own product pages. IMPORTANT: none of these is DECLARED IN A CONTRACT,
    because Kapital publishes no contract. contract_declared is false on every row, so this
    block is a product/regulatory claim, not a spec signature, and must not be scored as one.
  standards:
  - id: spei
    name: SPEI - Sistema de Pagos Electronicos Interbancarios (Banco de Mexico)
    conforms: true
    contract_declared: false
    evidence:
      quote: >-
        Puedes recibir depositos, emitir transferencias nacionales (SPEI), hacer pagos
        masivos, programar dispersion de nomina y domiciliar servicios, todo desde la
        plataforma digital.
      url: https://kapital.com/cuentas/cuenta-pyme
      http_status: 200
      observed: '2026-08-23'
  - id: spid
    name: SPID - Sistema de Pagos Interbancarios en Dolares (Banco de Mexico)
    conforms: true
    contract_declared: false
    evidence:
      quote: >-
        SPID te permite mover dolares entre empresas en Mexico al instante, sin conversiones
        ni bancos corresponsales.
      url: https://kapital.com/divisas/transferencias-interbancarias-en-dolares
      http_status: 200
      observed: '2026-08-23'
  - id: sat-ciec
    name: SAT CIEC credential access (Mexican tax-authority data ingestion for Kapital IA)
    conforms: true
    contract_declared: false
    evidence:
      quote: >-
        requiere dar consentimiento y acceso a traves de tu clave CIEC.
      url: https://kapital.com/servicios/inteligencia-artificial
      http_status: 200
      observed: '2026-08-23'
  - id: apple-pay
    name: Apple Pay tokenized card provisioning
    conforms: true
    contract_declared: false
    evidence:
      url: https://kapital.com/recursos/apple-pay
      http_status: 200
      observed: '2026-08-23'

not_applicable:
  reason: >-
    No public API contract exists, so these cross-cutting API standards have no surface to
    apply to. Recorded as na rather than false - an absent API is not a failed standard.
  standards:
  - oauth2
  - oidc
  - rfc9457
  - pagination
  - idempotency
  - json:api
  - odata
  - scim
  - fapi
  - psd2
  - fdx