Consorcio Contigo Aya de Mexico

What Consorcio Contigo Aya de Mexico does

Consorcio Contigo Aya de México, S.A. de C.V., SOFOM, E.N.R. (operating as SuperPromise) is a Mexican legal-tech platform founded in 2011 by Noel Fernando Aguilera Aguirre and headquartered in Chihuahua. The company is registered with CONDUSEF (SIPRES 692989) and operates as a 'Tercero Autorizado' under the Ley para Regular las Sociedades de Información Crediticia (LRSIC). It serves Mexican consumers (primarily those with damaged or stagnant credit) and Mexican diaspora in the USA, Canada, and Europe, helping them obtain, interpret, and correct their Reporte de Crédito Especial (RCE).

The core technology combines biometric identity validation (INE document plus facial selfie) with an AI-powered interpretation engine that parses RCE JSON data against the Manual de Calificación de Carteras and LRSIC to identify expired records, duplicates, and reporting errors, generating a personalized legal roadmap. The platform reports a 99% biometric success rate versus an estimated 80% abandonment rate on traditional SIC portals, and delivers the RCE in approximately 5 minutes. The company has accumulated 169,920 user interactions across its web (kiosko.superpromise.mx) and mobile (iOS/Android) channels.

The business model rests on three transaction tiers — RCE Basic at $245 MXN, RCE + AI Interpretation at $545 MXN, and RCE Audit at $350 MXN — supplemented by a 12-month subscription credit improvement program (with capital held in escrow by partner E-Treasure) and a SOFOM-regulated 'Crédito en Cuenta Corriente' lending product disclosed at a CAT of 1,024.7%. Distribution is entirely self-serve PLG via organic content, social media (founder-led TikTok/YouTube), SEO, and app stores. The company operates with a small team (1-10 employees) and discloses no external institutional funding.

Name

Consorcio Contigo Aya de Mexico

Legal name

Consorcio Contigo Aya de México, S.A. de C.V., SOFOM, E.N.R.

Website

https://superpromise.mx

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Consorcio Contigo Aya de México (SuperPromise) is a Chihuahua-based Mexican legal-tech SOFOM that helps consumers obtain, interpret, and correct their Reporte de Crédito Especial via biometric validation and AI, serving credit-damaged individuals in Mexico and the Mexican diaspora abroad.

Ownership category

akta.pro rank

Product category

Credit Reporting Services

NAICS

Credit Bureaus (56145), Credit Bureaus (561450), Consumer Lending (522291)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141)

akta.pro primary industry

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

akta.pro secondary industries

Consumer Identity Verification (KYC) & Fraud Risk for Credit (FSAKAKAD), Customer Identity (KYC/CDD/EDD) & Onboarding (FSAMAMAA)

Keywords

• Credit report services
• Credit history improvement
• Legal tech platform
• Credit bureau interpretation
• SOFOM financial services

Headquarters

HQ city

Chihuahua

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Others

Revenue model

1. RCE Basic — Reporte de Crédito Especial: Users pay $245 MXN to obtain their Reporte de Crédito Especial through SuperPromise's platform using INE and biometric validation. The platform fee covers usage of the digital infrastructure and identity verification. This is a one-time transaction per report request. Breakdown: Reporte de Crédito Especial $0.00 + Uso de Plataforma $211.21 + IVA $33.79.
2. RCE + Interpretation Legal AI Package: Users pay $545 MXN for the premium package: RCE delivery plus AI-powered interpretation with a legal roadmap. Breakdown: Reporte de Crédito Especial $0 + Interpretación $258.62 + Uso de Plataforma $211.21 + IVA $75.17. This is a one-time transaction offering the highest value tier.
3. RCE Audit (Existing Report): Users who already possess their Reporte de Crédito Especial (from Buró or Círculo de Crédito) pay $350 MXN to upload their PDF, receive AI-powered audit and interpretation, and get a legal action roadmap. No new biometric capture required.
4. 12-Month Credit Improvement Plan: SuperPromise offers a 12-month structured plan (construction or reconstruction of credit history) with virtual currency rewards, financial education materials triggered by on-time payments, and monthly reporting to credit bureaus. Capital is held in escrow by E-Treasure as a guarantee. At completion (Month 13), the capital is returned and the user's score is recalibrated based on positive payment behavior.
5. Credit in Current Account (CAT Disclosure): Consorcio Contigo Aya de México is a SOFOM E.N.R. offering a 'Crédito en cuenta corriente' product with disclosed CAT (Costo Anual Total) of 1,024.7% without VAT and maximum annual interest rate of 432.27%. Additional commissions apply: $190 MXN for invalid dispute resolution and $400 MXN for late payment. This is a separate credit product from the RCE services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Consorcio Contigo Aya de México operates the SuperPromise legal-tech platform, enabling Mexican consumers to obtain, interpret, and correct their Reporte de Crédito Especial (RCE) using INE-based biometric identity validation. The platform combines AI-powered credit report interpretation with a structured 12-month credit history improvement program (with capital held in escrow by E-Treasure), targeting individuals blocked from traditional SIC portals due to identity validation failures. As a SOFOM E.N.R., it also offers a 'Crédito en cuenta corriente' product under CNBV/CONDUSEF supervision.

Product overview

Consorcio Contigo Aya de México operates as a Legal-Tech platform (SuperPromise) offering a portfolio of credit-related services through both web and mobile applications. The core offerings consist of the Reporte de Crédito Especial (RCE) - an official credit report accessible via biometric validation - paired with AI-powered interpretation services that analyze the report and provide legal roadmaps under LRSIC Article 23. The product suite includes three tiers: basic RCE access ($245 MXN), RCE with AI interpretation and legal guidance ($545 MXN), and standalone RCE audit for existing reports ($350 MXN). The SuperPromise App extends these capabilities to a 12-month credit building/rebuilding program. All services are provided through the company's SOFOM E.N.R. entity, regulated by CNBV and CONDUSEF, with the primary differentiator being biometric identity verification that eliminates the need for active bank cards.

Differentiator

Problem solved

Functional benefit

Products and services

• Reporte de Crédito Especial (RCE) Official Mexican credit report obtained with INE and biometric (selfie) validation, without requiring an active bank card or credit product history. Delivered to the user's email in minutes and includes complete credit history with active credits, payment behavior, and current status. Priced at $245 MXN.
• RCE + Interpretación con IA Premium service combining RCE access with AI-powered legal interpretation under Article 23 of Mexico's LRSIC. Identifies debts by prescription period, extemporaneous records, and reporting errors, and provides a personalized legal roadmap for credit history improvement. Priced at $545 MXN.
• Auditoría de RCE Standalone audit and AI interpretation service for users who already possess their credit report (from Buró or Círculo de Crédito). Analyzes an uploaded PDF with AI in approximately 10 minutes; no new capture or biometrics required. Priced at $350 MXN.
• SuperPromise App (12-Month Credit Improvement Plan) Mobile application (iOS and Android) that enables credit history construction or reconstruction through a structured 12-month plan with punctual payments, building positive credit records. Includes virtual currency rewards and financial education materials; capital is held in escrow by E-Treasure as a guarantee and returned upon plan completion in Month 13.
• SUPERPROMISE® Crédito en Cuenta Corriente Credit product in checking account format offered by Consorcio Contigo Aya de México as a SOFOM E.N.R. with a disclosed maximum annual interest rate of 432.27% (without VAT) and an average CAT of 1,024.7% without VAT, supervised by CNBV and CONDUSEF. Additional commissions include $190 MXN for invalid dispute resolution and $400 MXN for late payment.

Quantifiable outcome

• 169,920 users managed on the platform as of 2026
• +3 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Partnerships

One partnership is on record.

• E-TreasurecoreStrategic or Co-development PartnerE-Treasure is a financial education partner and guarantee provider for SuperPromise's 12-month credit improvement plan. It holds users' capital in escrow during the program period, mitigating credit risk and ensuring the structured payment discipline required for credit history building. Upon plan completion (Month 13), E-Treasure returns the capital to the user and SuperPromise reports the positive payment behavior to credit bureaus for score recalibration.

Scale indicators6 records

Recent moves2 records

Expansion highlights5 records

Emerging players

• ClearScore: Consumer-facing credit report and score platform operating across the UK, South Africa, Australia and Canada. Comparable as a tech-led intermediary that improved consumer access to credit bureau data with interpretation and product matching.
• Resuelve tu Deuda: Mexican consumer debt-negotiation and credit-repair services company. Comparable as a domestic player in the Mexican consumer credit improvement category, although it relies on negotiation rather than AI-interpretation.

Broad incumbents

• Credit Karma: Established consumer credit-monitoring and education platform (US/Canada). Comparable as a self-serve consumer platform combining free credit report access, AI-driven interpretation, and personalized improvement recommendations.
• TransUnion: Global consumer credit bureau with operations in Mexico. Comparable as an incumbent credit data provider against which Legal-Tech players like SuperPromise position their consumer-facing interpretation services.
• Banco Compartamos: Mexican microfinance institution serving underbanked consumers with credit products. Comparable as an incumbent Mexican lender with overlapping end-customer demographic and regulatory exposure under CNBV/CONDUSEF.
• Experian México: Global credit bureau with Mexican operations. Comparable as a source of consumer credit data and a potential incumbent that could launch AI-driven interpretation features competing with SuperPromise.
• Buró de Crédito: One of the two principal consumer credit bureaus in Mexico and the source of the Reporte de Crédito Especial data that SuperPromise accesses and interprets. Directly comparable because SuperPromise's core product is built on top of Buró's RCE infrastructure.
• Círculo de Crédito: The second major Mexican consumer credit bureau and the other source of RCE data. SuperPromise's biometric + AI access layer is positioned to solve the friction users face when accessing this bureau's portal directly.

Others

• RecargaPay: Latin American fintech focused on financial inclusion for underbanked consumers. Comparable as a regional player operating under similar LATAM regulatory frameworks and serving cross-border migrant populations.

Regional players

• Kueski: Mexican online consumer lender and BNPL provider. Comparable as a Mexican fintech serving underbanked consumers and operating under CNBV/CONDUSEF oversight with adjacent regulatory exposure.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@superpromise
• Facebookfacebook.com/superpromiseapp
• LinkedInlinkedin.com/in/noelaguilera
• Instagraminstagram.com/superpromiseapp
• Xx.com/SuperPromiseApp

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Consorcio Contigo Aya de Mexico