{ "schema_version": "1.1", "name": "Cuentas con mejor rendimiento en México", "description": "Dataset normalizado de cuentas con rendimiento en México con tasas, topes, requisitos, figura regulatoria, protección de depósitos, NICAP disponible y fuentes.", "canonical_url": "https://omarguerrerox.com/herramientas/cuentas-inversion", "data_url": "https://omarguerrerox.com/datos/cuentas-rendimiento.json", "markdown_url": "https://omarguerrerox.com/datos/cuentas-rendimiento.md", "updated_at": "2026-08-12", "methodology_url": "https://omarguerrerox.com/herramientas/cuentas-inversion#methodology", "how_to_use": { "compare_current_offers": "Use best_by_product for a quick ranking, then inspect offers for alternate conditions on the same product.", "compare_risk_context": "Do not compare rate alone. Read institution_type, protection_limit_udis, protection_limit_mxn_estimate and NICAP fields when available.", "verify_before_answering": "For current-rate answers, verify the offer source_url and verified_at/valid_until fields because promotions can change." }, "udi_reference": { "udi_value_mxn": 8.807141, "source_url": "https://www.banxico.org.mx/SieInternet/consultarDirectorioInternetAction.do?sector=8&accion=consultarCuadro&idCuadro=CP150&locale=es", "source_label": "Banco de México · SIE CP150", "bank_limit_udis": 400000, "sofipo_limit_udis": 25000, "bank_limit_mxn_estimate": 3522856.4, "sofipo_limit_mxn_estimate": 220178.525 }, "deposit_protection": { "bank": { "institution_type": "bank", "system": "IPAB", "limit_udis": 400000, "limit_mxn_estimate": 3522856.4, "source": "https://www.gob.mx/ipab/" }, "sofipo": { "institution_type": "sofipo", "system": "Fondo de Protección / PROSOFIPO", "limit_udis": 25000, "limit_mxn_estimate": 220178.525, "source": "https://www.gob.mx/cnbv/articulos/63355" } }, "providers": [ { "provider": "Ualá", "legal_entity": "Ualá, S.A., Institución de Banca Múltiple", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.uala.mx/cuenta-con-rendimiento", "regulatory_verified_at": "2026-08-12" }, { "provider": "Klar", "legal_entity": "Klar Technologies, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.klar.mx/productos-garantizados-por-el-fondo-de-proteccion", "regulatory_verified_at": "2026-08-12" }, { "provider": "Stori", "legal_entity": "Stori México, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.storicard.com/stori-cuentamas/fondo-de-proteccion", "regulatory_verified_at": "2026-08-12" }, { "provider": "Revolut", "legal_entity": "Revolut Bank, S.A., Institución de Banca Múltiple", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.revolut.com/es-MX/instant-access-savings/", "regulatory_verified_at": "2026-08-12" }, { "provider": "Plata", "legal_entity": "Banco Plata, S.A., Institución de Banca Múltiple", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://bancoplata.mx/es/ipab", "regulatory_verified_at": "2026-08-13" }, { "provider": "Nu", "legal_entity": "Nu México Financiera, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": 185.9857, "nicap_previous_pct": 201.118, "nicap_change_pp": -15.13, "nicap_period": "Mayo 2026", "nicap_category": "Categoría 1", "regulatory_source_url": "https://www.cnbv.gob.mx/Entidades-Autorizadas/Paginas/Sofipos.aspx", "regulatory_verified_at": "2026-08-13" }, { "provider": "Mercado Pago", "legal_entity": "Mercadolibre, S.A. de C.V., Institución de Fondos de Pago Electrónico (wallet) / Grupo Bursátil Mexicano, S.A. de C.V., Casa de Bolsa (inversión)", "institution_type": "other", "institution_type_label": "IFPE + fondo (GBM)", "protection_type": "other", "protection_label": "Sin IPAB/PROSOFIPO para el rendimiento · inversión vía fondo administrado por GBM", "protection_limit_udis": null, "protection_limit_mxn_estimate": null, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.mercadopago.com.mx/mp/TyCs-MP", "regulatory_verified_at": "2026-08-13" }, { "provider": "DiDi", "legal_entity": "J.P. Sofiexpress, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://web.didiglobal.com/mx/jpsofiexpress/didi-cuenta/", "regulatory_verified_at": "2026-08-13" }, { "provider": "Leva", "legal_entity": "Sociedad de Alternativas Económicas, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://levainvierte.com/", "regulatory_verified_at": "2026-08-13" }, { "provider": "Openbank", "legal_entity": "Openbank México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.openbank.mx/", "regulatory_verified_at": "2026-08-13" }, { "provider": "Finsus", "legal_entity": "Financiera Sustentable de México, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": 131.0291, "nicap_previous_pct": 132.4109, "nicap_change_pp": -1.38, "nicap_period": "Mayo 2026", "nicap_category": "Categoría 1", "regulatory_source_url": "https://finsus.mx/personas/inversiones", "regulatory_verified_at": "2026-08-12" }, { "provider": "Mifel", "legal_entity": "Banca Mifel, S.A., Institución de Banca Múltiple, Grupo Financiero Mifel", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.mifel.com.mx/info/cuenta-digital-mifel", "regulatory_verified_at": "2026-08-13" }, { "provider": "kubo.financiero", "legal_entity": "Ku-bo Financiero, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.kubofinanciero.com/inversiones/kubo-plazo-fijo", "regulatory_verified_at": "2026-08-13" }, { "provider": "Broxel", "legal_entity": "Financiera Broxel, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://broxel.com/financiera/", "regulatory_verified_at": "2026-08-13" }, { "provider": "Fondeadora", "legal_entity": "Fondea Technologies, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.fondeadora.com/", "regulatory_verified_at": "2026-08-13" }, { "provider": "Súper Tasas", "legal_entity": "Crediclub, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://crediclub.com/inversiones", "regulatory_verified_at": "2026-08-12" }, { "provider": "Now", "legal_entity": "Banco INVEX, S.A., Institución de Banca Múltiple, INVEX Grupo Financiero", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.now.bank/cuenta-now", "regulatory_verified_at": "2026-08-13" }, { "provider": "CETES", "legal_entity": "Valores gubernamentales distribuidos por cetesdirecto®", "institution_type": "other", "institution_type_label": "Gobierno federal", "protection_type": "other", "protection_label": "Valores emitidos por el Gobierno Federal · no aplica IPAB ni PROSOFIPO", "protection_limit_udis": null, "protection_limit_mxn_estimate": null, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.cetesdirecto.com/sites/portal/historia.cetesdirecto", "regulatory_verified_at": "2026-08-13" }, { "provider": "BONDDIA", "legal_entity": "Valores gubernamentales distribuidos por cetesdirecto®", "institution_type": "other", "institution_type_label": "Gobierno federal", "protection_type": "other", "protection_label": "Valores emitidos por el Gobierno Federal · no aplica IPAB ni PROSOFIPO", "protection_limit_udis": null, "protection_limit_mxn_estimate": null, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.cetesdirecto.com/sites/portal/historia.cetesdirecto", "regulatory_verified_at": "2026-08-13" } ], "provider_classification": [ { "provider": "Ualá", "legal_entity": "Ualá, S.A., Institución de Banca Múltiple", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.uala.mx/cuenta-con-rendimiento", "regulatory_verified_at": "2026-08-12" }, { "provider": "Klar", "legal_entity": "Klar Technologies, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.klar.mx/productos-garantizados-por-el-fondo-de-proteccion", "regulatory_verified_at": "2026-08-12" }, { "provider": "Stori", "legal_entity": "Stori México, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.storicard.com/stori-cuentamas/fondo-de-proteccion", "regulatory_verified_at": "2026-08-12" }, { "provider": "Revolut", "legal_entity": "Revolut Bank, S.A., Institución de Banca Múltiple", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.revolut.com/es-MX/instant-access-savings/", "regulatory_verified_at": "2026-08-12" }, { "provider": "Plata", "legal_entity": "Banco Plata, S.A., Institución de Banca Múltiple", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://bancoplata.mx/es/ipab", "regulatory_verified_at": "2026-08-13" }, { "provider": "Nu", "legal_entity": "Nu México Financiera, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": 185.9857, "nicap_previous_pct": 201.118, "nicap_change_pp": -15.13, "nicap_period": "Mayo 2026", "nicap_category": "Categoría 1", "regulatory_source_url": "https://www.cnbv.gob.mx/Entidades-Autorizadas/Paginas/Sofipos.aspx", "regulatory_verified_at": "2026-08-13" }, { "provider": "Mercado Pago", "legal_entity": "Mercadolibre, S.A. de C.V., Institución de Fondos de Pago Electrónico (wallet) / Grupo Bursátil Mexicano, S.A. de C.V., Casa de Bolsa (inversión)", "institution_type": "other", "institution_type_label": "IFPE + fondo (GBM)", "protection_type": "other", "protection_label": "Sin IPAB/PROSOFIPO para el rendimiento · inversión vía fondo administrado por GBM", "protection_limit_udis": null, "protection_limit_mxn_estimate": null, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.mercadopago.com.mx/mp/TyCs-MP", "regulatory_verified_at": "2026-08-13" }, { "provider": "DiDi", "legal_entity": "J.P. Sofiexpress, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://web.didiglobal.com/mx/jpsofiexpress/didi-cuenta/", "regulatory_verified_at": "2026-08-13" }, { "provider": "Leva", "legal_entity": "Sociedad de Alternativas Económicas, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://levainvierte.com/", "regulatory_verified_at": "2026-08-13" }, { "provider": "Openbank", "legal_entity": "Openbank México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.openbank.mx/", "regulatory_verified_at": "2026-08-13" }, { "provider": "Finsus", "legal_entity": "Financiera Sustentable de México, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": 131.0291, "nicap_previous_pct": 132.4109, "nicap_change_pp": -1.38, "nicap_period": "Mayo 2026", "nicap_category": "Categoría 1", "regulatory_source_url": "https://finsus.mx/personas/inversiones", "regulatory_verified_at": "2026-08-12" }, { "provider": "Mifel", "legal_entity": "Banca Mifel, S.A., Institución de Banca Múltiple, Grupo Financiero Mifel", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.mifel.com.mx/info/cuenta-digital-mifel", "regulatory_verified_at": "2026-08-13" }, { "provider": "kubo.financiero", "legal_entity": "Ku-bo Financiero, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.kubofinanciero.com/inversiones/kubo-plazo-fijo", "regulatory_verified_at": "2026-08-13" }, { "provider": "Broxel", "legal_entity": "Financiera Broxel, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://broxel.com/financiera/", "regulatory_verified_at": "2026-08-13" }, { "provider": "Fondeadora", "legal_entity": "Fondea Technologies, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.fondeadora.com/", "regulatory_verified_at": "2026-08-13" }, { "provider": "Súper Tasas", "legal_entity": "Crediclub, S.A. de C.V., S.F.P.", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://crediclub.com/inversiones", "regulatory_verified_at": "2026-08-12" }, { "provider": "Now", "legal_entity": "Banco INVEX, S.A., Institución de Banca Múltiple, INVEX Grupo Financiero", "institution_type": "bank", "institution_type_label": "Banco", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.now.bank/cuenta-now", "regulatory_verified_at": "2026-08-13" }, { "provider": "CETES", "legal_entity": "Valores gubernamentales distribuidos por cetesdirecto®", "institution_type": "other", "institution_type_label": "Gobierno federal", "protection_type": "other", "protection_label": "Valores emitidos por el Gobierno Federal · no aplica IPAB ni PROSOFIPO", "protection_limit_udis": null, "protection_limit_mxn_estimate": null, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.cetesdirecto.com/sites/portal/historia.cetesdirecto", "regulatory_verified_at": "2026-08-13" }, { "provider": "BONDDIA", "legal_entity": "Valores gubernamentales distribuidos por cetesdirecto®", "institution_type": "other", "institution_type_label": "Gobierno federal", "protection_type": "other", "protection_label": "Valores emitidos por el Gobierno Federal · no aplica IPAB ni PROSOFIPO", "protection_limit_udis": null, "protection_limit_mxn_estimate": null, "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "", "regulatory_source_url": "https://www.cetesdirecto.com/sites/portal/historia.cetesdirecto", "regulatory_verified_at": "2026-08-13" } ], "best_by_product": [ { "id": "klar_max_15_consumo_2500", "provider": "Klar", "product": "Klar Max", "category": "requires_consumption", "requires_consumption": true, "annual_rate_pct": 15, "rate_label": "15%", "rate_is_up_to": false, "activation_type": "monthly_consumption", "activation_amount_mxn": 2500, "activation_is_fee": false, "activation_label": "Consumo $2,500", "max_balance_type": "numeric", "max_balance_mxn": 25000, "max_balance_label": "$25,000", "term_value": 30, "term_unit": "days", "term_is_maximum": false, "term_label": "30 días", "valid_until": null, "validity_known": false, "validity_label": "ND", "source_section": "Cuentas que requieren consumo para activar la mayor tasa", "source_url": "https://www.klar.mx/inversion", "verified_at": "2026-08-13", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "legal_entity": "Klar Technologies, S.A. de C.V., S.F.P.", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "regulatory_source_url": "https://www.klar.mx/productos-garantizados-por-el-fondo-de-proteccion", "regulatory_verified_at": "2026-08-12", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, { "id": "stori_15_consumo_2000", "provider": "Stori", "product": "Stori Pro", "category": "requires_consumption", "requires_consumption": true, "annual_rate_pct": 15, "rate_label": "15%", "rate_is_up_to": false, "activation_type": "monthly_consumption", "activation_amount_mxn": 2000, "activation_is_fee": false, "activation_label": "Consumo $2,000", "max_balance_type": "numeric", "max_balance_mxn": 10000, "max_balance_label": "$10,000", "term_value": 60, "term_unit": "days", "term_is_maximum": false, "term_label": "60 días", "valid_until": "2026-10-31", "validity_known": true, "validity_label": "31 Oct 2026", "source_section": "Cuentas que requieren consumo para activar la mayor tasa", "source_url": "https://www.storicard.com/stori-cuentamas", "verified_at": "2026-08-13", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "legal_entity": "Stori México, S.A. de C.V., S.F.P.", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "regulatory_source_url": "https://www.storicard.com/stori-cuentamas/fondo-de-proteccion", "regulatory_verified_at": "2026-08-12", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, { "id": "revolut_15_consumo_2000", "provider": "Revolut", "product": "Revolut", "category": "requires_consumption", "requires_consumption": true, "annual_rate_pct": 15, "rate_label": "15%", "rate_is_up_to": false, "activation_type": "card_transactions", "activation_amount_mxn": 200, "activation_is_fee": false, "activation_label": "4 compras ≥ $50 / 30 días", "max_balance_type": "numeric", "max_balance_mxn": 25000, "max_balance_label": "$25,000", "term_value": 30, "term_unit": "days", "term_is_maximum": false, "term_label": "30 días", "valid_until": null, "validity_known": false, "validity_label": "Hasta aviso", "source_section": "Cuentas que requieren consumo para activar la mayor tasa", "source_url": "https://www.revolut.com/es-MX/instant-access-savings/", "verified_at": "2026-08-12", "institution_type": "bank", "institution_type_label": "Banco", "legal_entity": "Revolut Bank, S.A., Institución de Banca Múltiple", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "regulatory_source_url": "https://www.revolut.com/es-MX/instant-access-savings/", "regulatory_verified_at": "2026-08-12", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, { "id": "plata_ultra_15", "provider": "Plata", "product": "Ahorro Flexible Ultra", "category": "no_minimum_consumption", "requires_consumption": false, "annual_rate_pct": 15, "rate_label": "15%", "rate_is_up_to": false, "activation_type": "account_requirement", "activation_amount_mxn": 0, "activation_is_fee": false, "activation_label": "Plata Cuenta activa · 1 vez por cliente", "max_balance_type": "numeric", "max_balance_mxn": 25000, "max_balance_label": "$25,000", "term_value": 60, "term_unit": "days", "term_is_maximum": false, "term_label": "60 días de tasa promo", "valid_until": null, "validity_known": false, "validity_label": "Hasta aviso", "source_section": "Promoción Ahorro Flexible Ultra", "source_url": "https://bancoplata.mx/es/cuenta", "verified_at": "2026-08-13", "institution_type": "bank", "institution_type_label": "Banco", "legal_entity": "Banco Plata, S.A., Institución de Banca Múltiple", 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"term_label": "24 meses", "valid_until": null, "validity_known": false, "validity_label": "Hasta aviso", "source_section": "Cuentas de inversión sin consumo mínimo", "source_url": "https://signup.levainvierte.com/productos", "verified_at": "2026-08-13", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "legal_entity": "Sociedad de Alternativas Económicas, S.A. de C.V., S.F.P.", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "regulatory_source_url": "https://levainvierte.com/", "regulatory_verified_at": "2026-08-13", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, { "id": "openbank_13_sin_consumo", "provider": "Openbank", "product": "Openbank", "category": "no_minimum_consumption", "requires_consumption": false, "annual_rate_pct": 13, "rate_label": "13%", "rate_is_up_to": false, "activation_type": "none", "activation_amount_mxn": 0, "activation_is_fee": false, "activation_label": "Ninguno", "max_balance_type": "numeric", "max_balance_mxn": 30000, "max_balance_label": "$30,000", "term_value": null, "term_unit": "none", "term_is_maximum": false, "term_label": "Sin plazo", "valid_until": "2027-01-27", "validity_known": true, "validity_label": "27 Ene 2027", "source_section": "Cuentas de inversión sin consumo mínimo", "source_url": "https://www.openbank.mx/", "verified_at": "2026-08-13", "institution_type": "bank", "institution_type_label": "Banco", "legal_entity": "Openbank México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "regulatory_source_url": "https://www.openbank.mx/", "regulatory_verified_at": "2026-08-13", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, { "id": "mercado_pago_12_movimiento_3000", "provider": "Mercado Pago", "product": "Mercado Pago", "category": "requires_consumption", "requires_consumption": true, "annual_rate_pct": 12, "rate_label": "12%", "rate_is_up_to": false, "activation_type": "monthly_movement", "activation_amount_mxn": 3000, "activation_is_fee": false, "activation_label": "$3,000 (Mov)", "max_balance_type": "numeric", "max_balance_mxn": 25000, "max_balance_label": "$25,000", "term_value": 30, "term_unit": "days", "term_is_maximum": false, "term_label": "30 días", "valid_until": null, "validity_known": false, "validity_label": "ND", "source_section": "Cuentas que requieren consumo para activar la mayor tasa", "source_url": "https://www.mercadopago.com.mx/cuenta", "verified_at": "2026-08-12", "institution_type": "other", "institution_type_label": "IFPE + fondo (GBM)", "legal_entity": "Mercadolibre, S.A. de C.V., Institución de Fondos de Pago Electrónico (wallet) / Grupo Bursátil Mexicano, S.A. de C.V., Casa de Bolsa (inversión)", "protection_type": "other", "protection_label": "Sin IPAB/PROSOFIPO para el rendimiento · inversión vía fondo administrado por GBM", "protection_limit_udis": null, "protection_limit_mxn_estimate": null, "regulatory_source_url": "https://www.mercadopago.com.mx/mp/TyCs-MP", "regulatory_verified_at": "2026-08-13", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, { "id": "finsus_1800d", "provider": "Finsus", "product": "Finsus Plazo Fijo", "category": "no_minimum_consumption", "requires_consumption": false, "annual_rate_pct": 10.3, "rate_label": "10.30%", "rate_is_up_to": false, "activation_type": "none", "activation_amount_mxn": 0, "activation_is_fee": false, "activation_label": "Desde $100", "max_balance_type": "all_balance", "max_balance_mxn": null, "max_balance_label": "Todo el saldo", "term_value": 1800, "term_unit": "days", "term_is_maximum": false, "term_label": "1800 días", "valid_until": null, "validity_known": false, "validity_label": "Revisable", "source_section": "Cuentas de inversión sin consumo mínimo", "source_url": "https://finsus.mx/personas/inversiones", "verified_at": "2026-08-13", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "legal_entity": "Financiera Sustentable de México, S.A. de C.V., S.F.P.", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "regulatory_source_url": "https://finsus.mx/personas/inversiones", "regulatory_verified_at": "2026-08-12", "nicap_pct": 131.0291, "nicap_previous_pct": 132.4109, "nicap_change_pp": -1.38, "nicap_period": "Mayo 2026", "nicap_category": "Categoría 1" }, { "id": "kubo_4y", "provider": "kubo.financiero", "product": "kubo.plazofijo", "category": "no_minimum_consumption", "requires_consumption": false, "annual_rate_pct": 10.12, "rate_label": "10.12%", "rate_is_up_to": false, "activation_type": "none", "activation_amount_mxn": 0, "activation_is_fee": false, "activation_label": "Desde $50", "max_balance_type": "all_balance", "max_balance_mxn": null, "max_balance_label": "Todo el saldo", "term_value": 48, "term_unit": "months", "term_is_maximum": false, "term_label": "4 años", "valid_until": null, "validity_known": false, "validity_label": "Revisable diariamente", "source_section": "Cuentas de inversión sin consumo mínimo", "source_url": "https://www.kubofinanciero.com/inversiones/kubo-plazo-fijo", "verified_at": "2026-08-13", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "legal_entity": "Ku-bo Financiero, S.A. de C.V., S.F.P.", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "regulatory_source_url": "https://www.kubofinanciero.com/inversiones/kubo-plazo-fijo", "regulatory_verified_at": "2026-08-13", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, { "id": "mifel_10_sin_consumo", "provider": "Mifel", "product": "Mifel", "category": "no_minimum_consumption", "requires_consumption": false, "annual_rate_pct": 10, "rate_label": "10%", "rate_is_up_to": false, "activation_type": "none", "activation_amount_mxn": 0, "activation_is_fee": false, "activation_label": "Ninguno", "max_balance_type": "numeric", "max_balance_mxn": 500000, "max_balance_label": "$500,000", "term_value": null, "term_unit": "none", "term_is_maximum": false, "term_label": "Sin plazo", "valid_until": "2026-10-31", "validity_known": true, "validity_label": "31 Oct 2026", "source_section": "Cuentas de inversión sin consumo mínimo", "source_url": 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"term_unit": "none", "term_is_maximum": false, "term_label": "Sin plazo", "valid_until": "2027-01-27", "validity_known": true, "validity_label": "27 Ene 2027", "source_section": "Cuentas de inversión sin consumo mínimo", "source_url": "https://www.openbank.mx/", "verified_at": "2026-08-13", "institution_type": "bank", "institution_type_label": "Banco", "legal_entity": "Openbank México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "regulatory_source_url": "https://www.openbank.mx/", "regulatory_verified_at": "2026-08-13", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, "amount_mxn": 5000, "estimated_annual_gross_return_mxn": 650 } ] }, "250000": { "capital_mxn": 250000, "allocated_mxn": 250000, "remaining_mxn": 0, "estimated_annual_gross_return_mxn": 36337.5, "estimated_monthly_gross_return_mxn": 3028.125, "weighted_average_rate_pct": 14.535, "allocations": [ { "account": { "id": "klar_max_15_consumo_2500", "provider": "Klar", "product": "Klar Max", "category": "requires_consumption", "requires_consumption": true, "annual_rate_pct": 15, "rate_label": "15%", "rate_is_up_to": false, "activation_type": "monthly_consumption", "activation_amount_mxn": 2500, "activation_is_fee": false, "activation_label": "Consumo $2,500", "max_balance_type": "numeric", "max_balance_mxn": 25000, "max_balance_label": "$25,000", "term_value": 30, "term_unit": "days", "term_is_maximum": false, "term_label": "30 días", "valid_until": null, "validity_known": false, "validity_label": "ND", "source_section": "Cuentas que requieren consumo para activar la mayor tasa", "source_url": "https://www.klar.mx/inversion", "verified_at": "2026-08-13", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "legal_entity": "Klar Technologies, S.A. de C.V., S.F.P.", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "regulatory_source_url": "https://www.klar.mx/productos-garantizados-por-el-fondo-de-proteccion", "regulatory_verified_at": "2026-08-12", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, "amount_mxn": 25000, "estimated_annual_gross_return_mxn": 3750 }, { "account": { "id": "stori_15_consumo_2000", "provider": "Stori", "product": "Stori Pro", "category": "requires_consumption", "requires_consumption": true, "annual_rate_pct": 15, "rate_label": "15%", "rate_is_up_to": false, "activation_type": "monthly_consumption", "activation_amount_mxn": 2000, "activation_is_fee": false, "activation_label": "Consumo $2,000", "max_balance_type": "numeric", "max_balance_mxn": 10000, "max_balance_label": "$10,000", "term_value": 60, "term_unit": "days", "term_is_maximum": false, "term_label": "60 días", "valid_until": "2026-10-31", "validity_known": true, "validity_label": "31 Oct 2026", "source_section": "Cuentas que requieren consumo para activar la mayor tasa", "source_url": "https://www.storicard.com/stori-cuentamas", "verified_at": "2026-08-13", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "legal_entity": "Stori México, S.A. de C.V., S.F.P.", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "regulatory_source_url": "https://www.storicard.com/stori-cuentamas/fondo-de-proteccion", "regulatory_verified_at": "2026-08-12", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, "amount_mxn": 10000, "estimated_annual_gross_return_mxn": 1500 }, { "account": { "id": "revolut_15_consumo_2000", "provider": "Revolut", "product": "Revolut", "category": "requires_consumption", "requires_consumption": true, "annual_rate_pct": 15, "rate_label": "15%", "rate_is_up_to": false, "activation_type": "card_transactions", "activation_amount_mxn": 200, "activation_is_fee": false, "activation_label": "4 compras ≥ $50 / 30 días", "max_balance_type": "numeric", "max_balance_mxn": 25000, "max_balance_label": "$25,000", "term_value": 30, "term_unit": "days", "term_is_maximum": false, "term_label": "30 días", "valid_until": null, "validity_known": false, "validity_label": "Hasta aviso", "source_section": "Cuentas que requieren consumo para activar la mayor tasa", "source_url": "https://www.revolut.com/es-MX/instant-access-savings/", "verified_at": "2026-08-12", "institution_type": "bank", "institution_type_label": "Banco", "legal_entity": "Revolut Bank, S.A., Institución de Banca Múltiple", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "regulatory_source_url": "https://www.revolut.com/es-MX/instant-access-savings/", "regulatory_verified_at": "2026-08-12", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, "amount_mxn": 25000, "estimated_annual_gross_return_mxn": 3750 }, { "account": { "id": "plata_ultra_15", "provider": "Plata", "product": "Ahorro Flexible Ultra", "category": "no_minimum_consumption", "requires_consumption": false, "annual_rate_pct": 15, "rate_label": "15%", "rate_is_up_to": false, "activation_type": "account_requirement", "activation_amount_mxn": 0, "activation_is_fee": false, "activation_label": "Plata Cuenta activa · 1 vez por cliente", "max_balance_type": "numeric", "max_balance_mxn": 25000, "max_balance_label": "$25,000", "term_value": 60, "term_unit": "days", "term_is_maximum": false, "term_label": "60 días de tasa promo", "valid_until": null, "validity_known": false, "validity_label": "Hasta aviso", "source_section": "Promoción Ahorro Flexible Ultra", "source_url": "https://bancoplata.mx/es/cuenta", "verified_at": "2026-08-13", "institution_type": "bank", "institution_type_label": "Banco", "legal_entity": "Banco Plata, S.A., Institución de Banca Múltiple", "protection_type": "ipab", "protection_label": "IPAB · 400,000 UDIS · ≈ $3.52 M MXN", "protection_limit_udis": 400000, "protection_limit_mxn_estimate": 3522856.4, "regulatory_source_url": "https://bancoplata.mx/es/ipab", "regulatory_verified_at": "2026-08-13", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, "amount_mxn": 25000, "estimated_annual_gross_return_mxn": 3750 }, { "account": { "id": "didi_15_sin_consumo", "provider": "DiDi", "product": "DiDi Cuenta", "category": "no_minimum_consumption", "requires_consumption": false, "annual_rate_pct": 15, "rate_label": "15%", "rate_is_up_to": false, "activation_type": "none", "activation_amount_mxn": 0, "activation_is_fee": false, "activation_label": "Ninguno", "max_balance_type": "numeric", "max_balance_mxn": 10000, "max_balance_label": "$10,000", "term_value": null, "term_unit": "none", "term_is_maximum": false, "term_label": "Sin plazo", "valid_until": null, "validity_known": false, "validity_label": "Hasta aviso", "source_section": "Cuentas de inversión sin consumo mínimo", "source_url": "https://web.didiglobal.com/mx/jpsofiexpress/didi-cuenta/", "verified_at": "2026-08-13", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "legal_entity": "J.P. Sofiexpress, S.A. de C.V., S.F.P.", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "regulatory_source_url": "https://web.didiglobal.com/mx/jpsofiexpress/didi-cuenta/", "regulatory_verified_at": "2026-08-13", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, "amount_mxn": 10000, "estimated_annual_gross_return_mxn": 1500 }, { "account": { "id": "leva_plus_24m", "provider": "Leva", "product": "Leva Invierte+", "category": "no_minimum_consumption", "requires_consumption": false, "annual_rate_pct": 14.25, "rate_label": "14.25%", "rate_is_up_to": false, "activation_type": "minimum_investment", "activation_amount_mxn": 100000, "activation_is_fee": false, "activation_label": "Desde $100,000", "max_balance_type": "all_balance", "max_balance_mxn": null, "max_balance_label": "Todo el saldo", "term_value": 24, "term_unit": "months", "term_is_maximum": false, "term_label": "24 meses", "valid_until": null, "validity_known": false, "validity_label": "Hasta aviso", "source_section": "Cuentas de inversión sin consumo mínimo", "source_url": "https://signup.levainvierte.com/productos", "verified_at": "2026-08-13", "institution_type": "sofipo", "institution_type_label": "SOFIPO", "legal_entity": "Sociedad de Alternativas Económicas, S.A. de C.V., S.F.P.", "protection_type": "fondo_proteccion", "protection_label": "Fondo de Protección (PROSOFIPO) · 25,000 UDIS · ≈ $220 mil MXN", "protection_limit_udis": 25000, "protection_limit_mxn_estimate": 220178.525, "regulatory_source_url": "https://levainvierte.com/", "regulatory_verified_at": "2026-08-13", "nicap_pct": null, "nicap_previous_pct": null, "nicap_change_pp": null, "nicap_period": "", "nicap_category": "" }, "amount_mxn": 155000, "estimated_annual_gross_return_mxn": 22087.5 } ] } }, "faq": [ { "question": "¿La tasa más alta es siempre la mejor cuenta?", "answer": "No, y por eso construí este comparador. Una tasa alta puede aplicar solo a una parte pequeña del saldo, durar unas semanas, exigir compras mensuales o inmovilizar tu dinero a plazo. La comparación que sirve es el rendimiento en pesos sobre el monto que realmente vas a depositar, junto con la liquidez, la vigencia y la protección. El comparador mantiene esos datos separados para que una promoción llamativa no parezca mejor de lo que es." }, { "question": "¿Qué cambia entre un banco y una SOFIPO para mi dinero?", "answer": "Sobre todo la protección de depósitos. En un banco, los depósitos elegibles tienen cobertura del IPAB hasta 400,000 UDIS por persona y por banco (~$3,522,856 con la UDI de referencia de $8.8071). En una SOFIPO, el Fondo de Protección cubre hasta 25,000 UDIS por persona y por SOFIPO (~$220,179): unas 16 veces menos. Son figuras regulatorias distintas y no las trato como equivalentes solo porque publiquen tasas parecidas." }, { "question": "¿Por qué una SOFIPO puede pagar más que un banco?", "answer": "Porque compiten por depósitos con menos alternativas de fondeo barato que un banco grande, y porque su menor cobertura de protección implica que el ahorrador está asumiendo más riesgo. Esa tasa extra es, en parte, una prima de riesgo. No significa que una SOFIPO regulada vaya a quebrar; significa que la comparación justa incluye el límite de protección y, cuando está disponible, su nivel de capitalización (NICAP), no solo el porcentaje." }, { "question": "¿Qué pasa si deposito más del límite protegido?", "answer": "El límite de protección no impide depositar más: marca hasta dónde llega la cobertura si la institución quiebra. El excedente no tiene protección adicional por estar en la misma institución. Por eso el simulador muestra la protección de cada cuenta junto a la asignación: repartir entre instituciones puede mantener más dinero dentro de los límites cubiertos, aunque también agrega complejidad." }, { "question": "¿De dónde salen las tasas y cada cuánto se actualizan?", "answer": "Cargo las tasas desde la fuente oficial de cada institución (o cetesdirecto) cuando existe una publicada, y cada oferta guarda su fecha de verificación y su enlace en “Detalles”. Cuando una promoción tiene vigencia conocida y ya venció, la marco para revisión y el optimizador deja de usarla. Aun así, una tasa puede cambiar el mismo día: antes de depositar, confirma la condición vigente directamente con la institución." }, { "question": "¿Qué diferencia hay entre una promoción y la tasa base?", "answer": "La promoción suele traer condiciones extra: un tope de saldo, un plazo, una fecha de vencimiento o un requisito de consumo o membresía. La tasa base es la que aplica sin cumplir nada de eso. Cuando un mismo producto tiene varias versiones, las agrupo para que puedas abrirlas y ver ambas condiciones antes de decidir." }, { "question": "¿Cómo reparte el dinero el optimizador?", "answer": "Toma el monto que escribes, filtra las cuentas según tus restricciones, elige la mejor oferta elegible de cada producto y va asignando desde la tasa más alta hacia abajo, sin rebasar el saldo máximo remunerado de cada una. Si algo no cabe, lo deja visible como monto sin asignar. Es una maximización de rendimiento bruto y nada más: no pondera riesgo, diversificación, impuestos ni tus preferencias." }, { "question": "¿El rendimiento mostrado incluye ISR?", "answer": "No. Todas las estimaciones son brutas: aplico la tasa anual anunciada sobre el monto asignado y solo descuento la suscripción cuando el producto la cobra explícitamente. No descuento la retención de ISR sobre intereses ni la inflación, porque dependen de tu situación y del año fiscal. El número neto real siempre será menor que el que ves aquí." }, { "question": "¿Esta herramienta guarda o envía mis datos?", "answer": "Todo corre en tu navegador. El monto, los filtros y tu combinación se guardan solo en el almacenamiento local de tu dispositivo para que no los pierdas al recargar; no se envían a ningún servidor mío. La única excepción es voluntaria: si pulsas un botón de “Analizar con IA”, el prompt con tu monto y combinación se abre en Claude o ChatGPT, y ahí aplican los términos de ese servicio." } ], "caveats": [ "Las tasas y promociones pueden cambiar; verificar la fuente primaria antes de depositar dinero.", "Los límites en pesos son estimaciones porque el valor de la UDI cambia.", "NICAP es un indicador regulatorio descriptivo y no una recomendación de inversión.", "La calculadora y el optimizador estiman rendimiento bruto y no incorporan ISR, inflación, diversificación ni riesgo de crédito.", "Una tasa alta puede tener un saldo máximo pequeño o requisitos que reduzcan su utilidad práctica." ] }