What it will cost, how money will move.

Planned launch pricing, not yet available: a Pesito fee of 1% of the amount you send, capped at $1 USD, per international US→Mexico transfer (any supported amount within app and legal limits), and $0 on domestic transfers between Pesito users within the same country (US→US or MX→MX, $PesitoID→$PesitoID), planned. In practice: $25 costs $0.25, $50 costs $0.50, $100 costs $1.00 (where the cap kicks in), and from there the fee stays at $1, a $500 transfer costs $1 and so does a $2,000 transfer. The fee applies only to international transfers. We're building Pesito with no exchange-rate markup: our reference is a mid-market rate average at quote time, and any rate margin would appear as a separate, disclosed line item, never hidden inside the rate. Your recipient's bank or cash-out location may charge its own fees, and foreign taxes may apply; pass-through operator fees, if any, are shown before you confirm. Final pricing is always shown in the app before you pay and may change before launch.

Pesito's planned funding methods are debit card and bank transfer (ACH) from a US bank, no cash funding. For users inside Mexico we're also exploring adding money by SPEI transfer from a Mexican bank. These are planned features, subject to change and regulatory approval, and any pass-through operator fees would be shown before you confirm.

Cash pickup is a planned feature, subject to change and regulatory approval. The design: a recipient in Mexico would show a government ID and a reference code from the app at a participating cash-out location and walk out with pesos. Your recipient's cash-out location may charge its own fees, and foreign taxes may apply; pass-through operator fees, if any, would be shown before you confirm.

As a planned feature, subject to change and regulatory approval, you would enter an 18-digit CLABE for any Mexican bank and confirm the amount. SPEI is Mexico's interbank transfer system, and the rail itself operates 24/7, without bank hours. Before you confirm, the app would show the exchange rate, the exact fee, and exactly what your recipient gets.

Pesito is designed for fast delivery, but we won't promise delivery times before launch. SPEI, the Mexican interbank rail we plan to use for bank deposits, operates 24/7, nights, weekends, and holidays included. Transfers are subject to identity verification, corridor availability, limits, and compliance review.

We're building Pesito with no exchange-rate markup. Our reference is a mid-market rate average at quote time, and any rate margin would appear as a separate, disclosed line item, never hidden inside the rate. Before every transfer you'll see the exchange rate, the exact fee, and exactly what your recipient gets, as U.S. federal law requires (CFPB Remittance Transfer Rule).

No, and the question deserves a direct answer: this corridor has a long history of great first rates that quietly worsen once you're a customer. The plan: the rate model on your first transfer is the rate model on your hundredth. No new-customer teaser rates, no loyalty penalty. The same goes for the $0 between Pesito users in the same country: that's a price, not a promotion, with no expiry date and no fine print. At launch we'll name the public mid-market reference we quote against, so you can check any transfer against an independent source.

Puente Railway is our in-house financial infrastructure, the rails Pesito plans to use to move money between accounts. Your money is dollars and pesos to you; we may use regulated digital settlement rails under the hood, and we disclose that plainly on our What is Puente Railway page. Learn more at puente.sh.