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Legal Paradox®
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BXL Fintech
Next Fintech
BXL Fintech is a Mexican crowdfunding platform that connects people who need loans with individuals who want to invest their money, operating as an Institución de Financiamiento Colectivo (IFC) authorized under Mexico’s Fintech Law. It belongs to the Broxel group and is part of a broader strategy that combines an electronic payments institution (BRX Payments) with a collective‑financing vehicle to give individuals both a transactional wallet and investment options.
What BXL Fintech offers
The platform enables debt collective financing for personal loans between people, where multiple investors fund each credit and receive interest in return. According to its product brochure, borrowers can request from roughly MXN 1,000 up to MXN 20,000 or more (with some public materials suggesting amounts up to MXN 300,000), while investors allocate capital into these loans via BXL’s digital channels.
BXL Fintech, S.A. de C.V. is formally registered as an IFC with capital stock of around MXN 7.9 million, domiciled in Mexico City; it must comply with CNBV rules on governance, reporting, AML/CTF, and transparency, and appears in both CNBV’s official list of authorized financing‑collective institutions and CONDUSEF’s Buró de Entidades Financieras.
User support, regulation and transparency
The firm maintains a Unidad Especializada de Atención a Usuarios (UNE) for complaints and clarifications, led by a designated officer, with response times of up to 30 business days for queries and 45 natural days for clarifications, in line with Mexican financial‑consumer law. Its site publishes legal documents—terms and conditions, product descriptions, regulatory framework, and audited financial statements for 2022–2025—so users can review risks, costs, and performance before investing or borrowing.
Overall, BXL Fintech positions itself as a regulated P2P‑style platform within the Broxel ecosystem, offering retail investors access to loan‑based returns while providing individuals with an alternative, technology‑driven credit source
