Mercantil supports VASPs, fintechs, exchanges, OTC desks, PSPs and regulated financial institutions with institutional-grade compliance, governance, audits and operational infrastructure across LATAM and global jurisdictions.
Four pillars covering the full compliance, risk, governance and operational stack for regulated digital asset and financial services businesses.
End-to-end AML/CFT programs designed for FI-grade counterparties and regulator scrutiny.
Legal opinions, licensing readiness and multi-jurisdictional structuring for digital asset businesses.
AML independent testing, governance assessments and remediation programs aligned with FI standards.
Reporting, settlement governance and operational resilience built for institutional throughput.
Eight capability pillars Mercantil designs, tests and operationalizes for regulated digital asset and financial institutions. Built around FATF Recommendations, Wolfsberg Principles and supervisory expectations — not dashboards.
Enterprise risk framework, board oversight and three-lines-of-defense model — covering risk appetite, escalation pathways and committee charters.
FATF-aligned policies, procedures and controls. End-to-end program architecture from risk assessment through training, with audit-ready documentation.
Customer and counterparty due diligence — beneficial ownership determination, source-of-funds analysis and enhanced due diligence for higher-risk relationships.
Transaction monitoring program design — rule calibration, threshold tuning, alert investigation workflows and effectiveness reviews for blockchain and fiat rails.
Real-time screening against OFAC, UN, EU, UK and applicable local consolidated lists — onboarding screening, payment screening and ongoing rescreening cycles.
FATF Recommendation 16 implementation — protocol selection, counterparty VASP diligence, sunrise issue management and threshold-aware data exchange.
Annual independent AML testing, control effectiveness reviews and prioritized remediation programs — aligned to supervisory examination methodology.
SAR/STR drafting and filing, currency transaction reporting, supervisory returns and threshold reporting — with quality control and lookback capability.
Opinions, structuring memos and licensing readiness packages produced to the standard expected by correspondent banks, fund administrators and supervisory authorities.
Regulatory classification, token characterization and operational legality opinions for institutional counterparties.
Entity selection, jurisdictional fit, application drafting and post-license obligations management.
End-to-end review against FATF Recommendations, sectoral guidance and supervisory expectations.
Side-by-side analysis against home, host and counterparty jurisdiction frameworks with prioritized remediation.
Independent testing, governance reviews and remediation programs designed to meet the standards of Tier-1 correspondent banks and supervisory examinations.
Mercantil's programs, controls and operating procedures are designed considering the leading international standards for compliance, security, risk and continuity. These are framework alignments — not certifications of the firm — applied to client programs and infrastructure.
When a correspondent bank, fund administrator or institutional investor opens a diligence file on your operation, what they find should answer their questions before they're asked. Mercantil packages your operation to that standard.
Direct coverage in regulated markets where Mercantil holds practice presence; allied coverage where matters extend through trusted institutional partners.
A jurisdiction-by-jurisdiction map of Travel Rule adoption status in the Dominican Republic, Mexico, Colombia, Brazil and Panama — including supervisory expectations, threshold differences, and the impact on cross-border VASP-to-VASP flows.
Implications for issuers, on/off-ramps and reserve custodians touching restricted markets.
Where the framework stands, what BCRD and DGII are signaling, and what operational readiness looks like in 2026.
The DDQ patterns Tier-1 banks now apply, what fails, and what closes accounts within 60 days.
From tooling selection to rule calibration evidence and false-positive economics.
A consolidated read of FinCEN, NYDFS, FCA, MAS and CNBV actions and the operational patterns they target.