Authorization for the Organization and Operation of Money Organization New Enterprise Kreating Innovations, S.A.P.I. de C.V., as an Electronic Payment Fund Institution

DOF: 15/10/2025

OFFICE LETTER through which authorization is granted for the organization and operation of an Electronic Payment Fund Institution to be named Money Organization New Enterprise Kreating Innovations, S.A.P.I. de C.V., Electronic Payment Fund Institution.

A seal with the National Coat of Arms appears on the margin, which reads: United Mexican States.- Treasury.- Ministry of

Treasury and Public Credit.- National Banking and Securities Commission.- Vice Presidency of Regulation.-

General Directorate of Special Authorizations.- Vice Presidency of Supervision of Groups and

Financial Intermediaries B.- General Directorate of Supervision of Financial Technology Institutions.-

Office No. 311-81/2025.

SUBJECT: AUTHORIZATION FOR THE ORGANIZATION AND OPERATION OF AN ELECTRONIC PAYMENT FUND INSTITUTION TO BE NAMED MONEY ORGANIZATION NEW ENTERPRISE KREATING INNOVATIONS, S.A.P.I. DE C.V., ELECTRONIC PAYMENT FUND INSTITUTION.

MONEY ORGANIZATION NEW ENTERPRISE

KREATING INNOVATIONS, S.A.P.I. DE C.V.

PARRAL STREET NO. 38 BIS, CONDESA NEIGHBORHOOD,

C.P. 06140, CUAUHTÉMOC, MEXICO CITY

TO: MR. ALBERTO ISMAEL RIVERA VALDEZ

LEGAL REPRESENTATIVE

In terms of articles 1 and 2 of the Law of the National Banking and Securities Commission, this National Banking and Securities Commission (the Commission) is a decentralized body of the Ministry of Treasury and Public Credit, whose purpose is to supervise and regulate, within its jurisdiction, the entities that are part of the Mexican financial system, in order to ensure their stability and proper functioning, as well as to maintain and foster the healthy and balanced development of said system as a whole, in protection of the public's interests. Pursuant to article 4, fractions XI and XXXVIII of said Law, the Commission is responsible for authorizing the constitution and operation of those entities specified by the laws, as well as exercising the other powers attributed to it by the Law of the National Banking and Securities Commission.

In that order of ideas, article 35 of the Law for the Regulation of Financial Technology Institutions establishes that persons who intend to carry out the activities attributed to collective financing institutions or electronic payment fund institutions must request authorization as a financial technology institution from the Commission, which will grant it when, in its judgment, the legal and regulatory requirements are adequately met, prior to agreement by the Inter-institutional Committee.

Considering the above, with a written submission presented on March 20, 2024, Mr. Alberto Ismael Rivera Valdez, on behalf of the company named Money Organization New Enterprise Kreating Innovations, S.A.P.I. de C.V. (MONEKI), requested authorization from the Commission to organize and operate as an Electronic Payment Fund Institution to be named Money Organization New Enterprise Kreating Innovations, S.A.P.I. de C.V., Electronic Payment Fund Institution, attaching the corresponding supporting information and documentation indicated in article 39 of the Law for the Regulation of Financial Technology Institutions.

In terms of article 5, second paragraph of the Law for the Regulation of Financial Technology Institutions, this Commission warned MONEKI within the term established in said law to address various observations regarding its authorization request to organize and operate as an Electronic Payment Fund Institution, whereupon MONEKI submitted documentation and information in order to respond to the aforementioned warning.

Additionally, this authority required MONEKI to provide various complementary documents and information in order to have sufficient elements of judgment to resolve the authorization request presented, due to which MONEKI, in response to said requirement, sent updated documentation and information regarding its file.

Likewise, MONEKI requested an extension of the resolution term, which was granted by this

Commission.

Having stated the above, it is made known to you that the Inter-institutional Committee in a session held on

September 30, 2025, based on articles 11 and 35, both of the Law for the Regulation of Financial Technology Institutions, and,

CONSIDERING

FIRST. -

That the documentation and information presented in connection with the authorization request

for the organization and operation of the Electronic Payment Fund Institution to be named Money

Organization New Enterprise Kreating Innovations, S.A.P.I. de C.V., Electronic Payment Fund

Institution, meets the requirements provided for in article 39 of the Law for the Regulation of Financial Technology Institutions and with articles 3, 4 and 6 of the General Provisions applicable to Financial Technology Institutions, and,

SECOND. -

That from the analysis of the documentation and information received, it was concluded that from the point

of view of law, finance and operations it is appropriate to grant the requested authorization, therefore, in accordance

with the certification of the Secretary of the Inter-institutional Committee, which is transcribed in the relevant part, the following was adopted:

AGREEMENT

" FIRST . - The members of the Inter-institutional Committee, in accordance with the

articles 11 and 35 of the Law for the Regulation of Financial Technology Institutions,

agreed unanimously to grant the authorization for the organization and operation

of an electronic payment fund institution to be named Money Organization

New Enterprise Kreating Innovations, S.A.P.I. de C.V., Electronic Payment Fund

Institution ... "

The aforementioned agreement is adopted without prejudice to the other authorizations that, in connection with the act described,

must be obtained from the Commission or any other financial authority, in terms of the applicable

dispositions, as well as the exercise of the powers attributed to the Commission itself during the process

of organization of Money Organization New Enterprise Kreating Innovations, S.A.P.I. de C.V., Electronic Payment Fund

Institution, in which the applicable requirements for the start of operations must be met.

Therefore, this National Banking and Securities Commission, prior to the agreement of the Inter-institutional Committee,

authorizes the organization and operation of an Electronic Payment Fund Institution to be named Money

Organization New Enterprise Kreating Innovations, S.A.P.I. de C.V., Electronic Payment Fund

Institution.

The entity whose organization and operation is authorized will be subject to the following:

BASES

FIRST.

The name of the company will be Money Organization New Enterprise Kreating

Innovations, S.A.P.I. de C.V., Electronic Payment Fund Institution.

SECOND.

It will have its domicile in Mexico City.

THIRD.

Its duration will be indefinite.

FOURTH.

The amount of its initial social capital will be $12,500,000.00 (twelve million five hundred thousand

pesos 00/100 M.N.)

FIFTH

Its corporate purpose will correspond to the realization of activities in national currency

contemplated in article 22 of the Law for the Regulation of Financial Technology

Institutions. Additionally, it may carry out the activities provided for in article 25 of the

legal order mentioned above, in accordance with its corporate purpose.

SIXTH.

The authorization referred to in this office letter is, by its very nature,

non-transferable.

SEVENTH.

Money Organization New Enterprise Kreating Innovations, S.A.P.I. de C.V., Electronic Payment

Fund Institution will be subject to the supervision of the National Banking and Securities

Commission and the Bank of Mexico, in the exercise of their respective attributions, as

well as the other competent financial authorities in the terms that the laws

dispose and provisions emanating from these.

EIGHTH.

The services consisting of the issuance, administration, redemption and transmission of electronic

payment funds that Money Organization New Enterprise Kreating Innovations, S.A.P.I.

de C.V., Electronic Payment Fund Institution provides by virtue of the present

authorization, as well as the other operations it carries out, as well as its organization

and operation in general, will be subject to the Law for the Regulation of Financial Technology

Institutions, to the rules and general provisions applicable to Financial Technology Institutions issued by the National Banking and Securities Commission, to the

provisions jointly issued by the National Banking and Securities Commission

and the Bank of Mexico and to the other norms and provisions in force and those that are

issued in the future by any competent authority, including those related to

operations with resources of illicit origin and terrorist financing, which by their

nature are applicable.

Money Organization New Enterprise Kreating Innovations, S.A.P.I. de C.V., Electronic Payment Fund

Institution, must demonstrate to this Commission, at least thirty business days in advance of the start of

its operations, compliance with the requirements established in article 40 of the Law for the Regulation of

Financial Technology Institutions.

This is issued based on the legal provisions previously invoked, as well as in exercise

of the powers conferred in articles 1, 2, 4, fractions XI and XXXVIII, 10, fraction V of the Law of the

National Banking and Securities Commission; articles 142 and 145, fraction IV of the Law for the Regulation of

Financial Technology Institutions, as well as articles 1, 3, fraction V, 4, fractions I, section B, and II,

section B, numbers 22) and 32), 14, 35, fractions I, subsection b) and III, 45, fraction I and 64, third paragraph of the

Internal Regulations of the National Banking and Securities Commission, published in the Official Journal of the

Federations on February 28, 2022.

Respectfully,

Mexico City, October 2, 2025.- General Director of Special Authorizations,

Lic.

Brenda Amparo Menes Cárdenas.- Signature.- General Director of Supervision of Financial Technology

Institutions, Mtra. Leticia Castellanos García.- Signature.

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