HARU ENGINE/B2B TRANSACTIONAL INFRASTRUCTURE & BANXICO STP•LATENCY 140ms•T+0 PAYOUTS•CHARGEBACKS 0.00%

You used to sell on your block.
Now you sell across all of Mexico.

The store that opens up the world. Commerce infrastructure: a storefront with your own design, catalog, inventory, customers, orders, payments, discounts, shipping and analytics — plus the transactional engine that charges and pays out at T+0, connected to Banxico (STP).

Configure payout webhook

Monthly Processed Volume

$148,920,000

100% reconciled at Banxico

SPEI Approval Rate

99.94%

Automatic STP CEP validation

Checkout Latency

1.4s

vs 18s conventional average

92.2% FASTER

Chargebacks & Fraud

$0.00 MXN

3DS 2.0 + Dynamic CLABE

CRYPTOGRAPHIC PROTECTION

[HOW IT WORKS]

From catalog to always-on operations

Catalog & inventory

Your products with real photos, prices and live stock — an order never breaks inventory.

A store that sells itself

A fast, premium-design storefront: cart, national checkout, discounts.

Orders & payments

The order comes in, gets charged and gets logged — with analytics on what sells and what doesn't.

Always-on operations

Haru runs on the same shared platform: identity, payments and ecosystem-wide audit.

[HARU STP CENTRAL CONSOLE]

Asset Collection & Capital Disbursement

BANXICO INTERFACE: SYNCED

LIVE STREAM // MIAMI-QUERÉTARO NODE ACTIVE

ID: HR-88402

DIRECT INBOUND TRANSACTION

Macrolote Tulum Reserva Maya #42

Promissory purchase agreement: C-2024-TLM-089

$4,500,000 MXN

SETTLED IN 1.8s

Assigned dynamic CLABE:646 180 1570 0984 2201

Receiving bank (STP):STP (Sistema de Transferencias y Pagos)

Trust beneficiary:CARTIAM FIDUCIARIO 1904

Banxico CEP tracking:20240516STP0009841289381

CoDi ® / Dimo ® enabled

Push validation on the customer's device

RECEIVER ACTIVE

Real-Time Event Log

>Instant CEP issuance: Banxico SHA-256 signature validated14:02:18.114

>CFDI 4.0 tax stamping with payment supplement14:02:19.420

>Automatic payout to construction subaccount started14:02:20.002

INSTANT CONSTRUCTION PAYOUT COCKPIT

T+0 DIRECT SPEI

LIQUID BALANCE IN CONCENTRATOR VAULTBANXICO TELEMETRY

$28,450,210.00 MXN

AUTHORIZED WITH SAT e.firma

Fiduciary custody with no retail bank middlemen. Instant issuance to supplier CLABE accounts.

Payment Matrix by Lot and Supplier

Flete Acero Cancún S.A. de C.V.$182,300 MXN

CLABE: BBVA • Ref: F-9921 Structural MaterialPAID OUT T+0

Cuadrilla Cimbra Holbox (14 Operadores)$84,600 MXN

STP Field Payroll • Geofenced Facial TokenBIOMETRICALLY VALIDATED

Concreto Cruz Azul Caribe$412,000 MXN

CLABE: Santander • Lot 08 Mass PourSCHEDULED 18:00 HRS

FIEL / e.firma cryptographic signature: ACTIVEHASH: 9a8f...3e21

SECURITY ARCHITECTURE & ZERO RISK

Built for the scale and liquidity of institutional real estate

Single-Use Dynamic CLABEs

Prevents fund diversion and assigns every peso directly to the purchase agreement folio. When the customer transfers, the CRM reconciles ownership autonomously — no human intervention.

100% ONE-TO-ONE RECONCILIATION

Zero Fund Retention

Your money never sits frozen in external payment gateways for 15 or 30 days. STP infrastructure injects capital straight into your concentrator trust account in real time.

REAL LIQUIDITY AT T+0

Official CEP Validation

Automated download of the Electronic Payment Receipt (CEP) issued by Banco de México. Immutable digital seals with legal validity before public notaries and the Public Property Registry.

FULL LEGAL AUDIT

[USE CASES]

Who sells with Haru

Selling by word of mouth, by catalog or by DM

the store takes orders from other cities while you sleep — the world opens up without opening another location.

Seasonal businesses with demand spikes

the site holds up under the peak; no one picks up the phone to "hold" an order anymore.

Brands that look better than their current site

premium design is also a pricing argument.

IN PRODUCTION

Live in production: FIT Depot — an e-commerce store with catalog, cart and national checkout, built by the studio.

AVAILABLE NOW

Tired of losing real estate sales to card limits or gateways that freeze funds?

Connect your development to the Haru Engine interbank collection infrastructure in under 48 hours, with SDKs for web, mobile apps and API automation.

Request Haru integration

Banxico-approved integration • Official STP

You used to sell on your block. Now you sell across all of Mexico.