Interbank transfers in USD within Mexico for corporations and financial institutions. Same robust architecture, adapted for dollar operations between Mexican bank accounts.
SPID (Sistema de Pagos Interbancarios en Dólares) is the dollar settlement system for USD transfers between Mexican bank accounts, bypassing the international correspondent-banking network. Operational since 2016, with an 08:00–18:00 (Mexico City) operating window on business days. It serves corporate treasuries, maquilas, USD payroll for executive personnel, and USD commercial settlements between Mexican entities.
InterPago is the integration layer between your institution’s core banking system and the interbank payment systems. For SPID, we cover the full cycle: message handling, digital signature, personas-morales validation, USD balance management, electronic receipts, and reconciliation. The platform is delivered production-ready and connects to your core without requiring you to rewrite it.
We build on the official specification, not on third-party interpretations. Every component is modular, observable, and audit-ready from day one.
A certificate expiring during the operating day creates a queue and rejections. We implement overlapping rotation with preload, with no traffic interruption.
Peak loads (payroll, end-of-day) can cause projected-balance inconsistencies. Per-shard processing and atomic reservations eliminate the condition.
Reversing an operation when the receipt was already issued requires careful state handling. Our state engine guarantees consistency between payment, reversal, and receipt.
An ack outside the window can trigger retry and double charge. Idempotency by tracking key plus persistent dedup eliminates the risk.
Every deployment is validated against the simulator before touching production — synthetic end-to-end payments — and only promotes if all flows pass.
Failover and failback between primary and backup channel from a single button on the operations dashboard — no manual scripts, no cross-team coordination.
Cross-reconciliation across the various systems integrated with InterPago — a single dashboard shows breaks by system, counterparty, or transaction type.
The platform is designed for high volume, high availability, and traceability — these are the architectural components your team will encounter in every implementation.
SSO with your corporate identity provider (SAML / OIDC), service identity via mTLS, role-based access control, and identity propagation across the entire processing chain.
Encryption at rest and in transit. Private-key custody in HSM/Vault — never exposed on disk. Automated secret rotation.
Immutable logs, structured events, and end-to-end trace per transaction. OpenTelemetry-compatible.
Pre-built operational and regulatory reports. Multi-source reconciliation engine that identifies breaks by counterparty and transaction type.
Automated failover, journal replay, idempotent retries. Documented and measurable RTO/RPO targets.
Simultaneous connection to multiple cores, counterparties, and regulators. Reusable adapters — no bespoke code per new destination.
Protocol mapping (ISO 20022, legacy and custom formats), schema evolution, and lossless normalisation between formats.
Schema, business-rule, compliance, and counterparty validations — all modifiable without touching code.
High-volume resilience patterns — circuit breakers per channel and counterparty, adaptive throttling, backpressure to prevent cascading failures.
Orchestration of payments, validations, retries, and compensations defined as a flow — modifiable hot, no redeploy, with visibility into every step.
Business rules configurable by your team: account validation, per-counterparty limits, cut-offs, routing. Production changes without touching code.
Components independently deployable across data centres or cloud regions, with cross-site replication and consistency for HA and fault isolation.
Automated detection of operational anomalies — rising returns/rejections, throughput drop, latency degradation, counterparty pattern deviation. Actionable alerts, not just dashboards.
Every component is designed to pass regulatory inspections and internal audits — not as an add-on, but as a core part of the platform.
Immutable log of every operation, structured events, and end-to-end trace, ready to present to auditors.
Immutable retention per regulator-mandated periods, with automated lifecycle to cold storage.
Dual human validation on sensitive operations: operator initiates and reviewer approves before execution.
Dual custody of cryptographic keys and critical secrets — no individual has exclusive access.
Authenticated sessions with expiry, RBAC with clear boundaries between development, operations, treasury, and compliance.
Cryptographic signature on every outbound and inbound message; verification mandatory before any processing.
Personally identifiable data masked by default in logs, dashboards, and reports; full access only to authorised roles.
Pre-built hooks for OFAC, UN, internal, and specialist provider lists — configurable update cadence.
Automated generation in mandatory format and cadence; direct submission to official platforms.
Reporting templates, structured Root Cause Analysis process, and on-time submissions per regulatory SLAs.
Periodic contingency drills against the simulator, with evidence of results ready for audit.
Whether you're starting from scratch or modernizing a legacy system, we'll help you get there — securely, on schedule, and with no obligation until you're ready.
Request a Demo sales@interpago.com.mx