USD in. MXN out. One API.
Institutional FX, SPEI settlement, CFDI 4.0, and a complete audit trail — without 8os ever taking custody.
- USD or USDC funding
- Funds stay in your name
- No SWIFT · No T+3
Illustrative example of the flow.
Everyone sells moving money.
We sell proving who moved what, under which rule, with which receipt — without holding a single peso.
Juniper Research projects Mexico will be the #4 market in the world for B2B stablecoin payments by 2035, at $346 billion in volume — behind only the United States, Brazil, and Japan. The corridor we're building isn't a distant bet. It's where the market is already moving.
Source: Juniper Research, 2026.
The numbers, without polite rounding.
Start with one question: how much do you lose between the moment the wire leaves your U.S. bank and the moment the SPEI lands in your supplier's CLABE?
If you can't answer to the basis point, that's the product.
Moving a B2B payment between the US and Mexico over correspondent banking costs more than what shows up on the invoice. For mid-market companies without a negotiated FX desk, the all-in corridor cost — FX markup over the interbank mid-market rate, origin wire fees, and intermediary deductions surfaced weeks later — typically lands between 1.5% and 3% of transaction value, and takes 2 to 5 business days to settle.
Don't take our benchmark. Audit your own: pull your last MT103, compare the rate you got against the interbank mid-market rate at execution time, and add the fees. That number is what this page is about.
- FX spread (1.5%–2.5% over interbank)$750–$1,250
- Origin wire fee$35
- Intermediary deductions (surfaced weeks later)$15–$30
- FX spreadInstitutional rate, locked at execution
- Settlement feeVisible on every settlement
- Intermediary deductions$0
Illustrative example on a $50,000 payment — ranges from published US–MX corridor benchmarks (FX spread 1.5%–2.5% over interbank, origin wire fees, intermediary deductions). Audit against your own MT103s.
| Line item | Correspondent banking | 8os |
|---|---|---|
| FX spread | 1.5%–2.5% over interbank | Institutional rate, locked at execution |
| Origin wire fee | $15–$50 | Included |
| Intermediary deductions | $15–$30, surfaced weeks later | $0 |
| Time to settlement | 2–5 business days | Single flow, no T+2 |
| CFDI 4.0 emission | Not included | Automatic, via SAT-authorized PAC |
| Traceability | Manual reconciliation | Real-time webhook + dashboard |
| Custody of your funds | Your bank's correspondent chain | Accounts in your name at licensed institutions — never 8os |
| All-in corridor cost | 1.5%–3% of transaction value | Transparent, itemized, locked at execution |
- FX spread1.5%–2.5% over interbank
- Origin wire fee$15–$50
- Intermediary deductions$15–$30, surfaced weeks later
- Time to settlement2–5 business days
- CFDI 4.0 emissionNot included
- TraceabilityManual reconciliation
- Custody of your fundsYour bank's correspondent chain
- All-in corridor cost1.5%–3% of transaction value
- FX spreadInstitutional rate, locked at execution
- Origin wire feeIncluded
- Intermediary deductions$0
- Time to settlementSingle flow, no T+2
- CFDI 4.0 emissionAutomatic, via SAT-authorized PAC
- TraceabilityReal-time webhook + dashboard
- Custody of your fundsAccounts in your name at licensed institutions — never 8os
- All-in corridor costTransparent, itemized, locked at execution
Even at the conservative end — 1.5% all-in — $1M/month in cross-border payments is $180,000 a year your correspondent keeps without it appearing on any invoice.
At $10M/month, that's $1.8M to $3.6M a year. At that range it's no longer operational friction — it's headcount.
Run your real volume.
Illustrative estimate based on published US–MX correspondent banking benchmarks — not a quote. Calibrate against your real rate: compare your last settlement against the interbank mid-market rate at execution time.
The same $50,000 payment, through 8os.
Five things change: the cost, the latency, the compliance posture, the reconciliation, and the visibility.
- FX locked at execution — Competitive institutional rate. No hidden spread.
- Transparent fee structure — Every cost itemized on every settlement.
- Single synchronous flow — SPEI settlement, on-chain provenance, reconciled to the cent.
- CFDI 4.0 issued on every settlement — Generated through a SAT-authorized PAC partner and delivered automatically. No manual step.
- Real-time dashboard and webhooks — Every payment, every status, queryable on demand.
The flow, end to end.
Five steps, one synchronous flow. Click any step to inspect what runs underneath.
Funds received
Funds arrive in the virtual USD account opened in your company's name with our licensed banking partner — via ACH, wire, or USDC sent from your own treasury wallet. A webhook fires the moment the deposit confirms. Your money sits with a regulated institution, under your name, from the first second. 8os never touches it.
Built on regulated rails. Custody stays with the licensed.
Your funds move through accounts opened in your name at licensed, supervised institutions on both sides of the border. 8os issues the instructions and produces the evidence — we never hold, pool, or transmit your money. When your auditor asks “who holds the funds?”, the answer is the only one that ends the meeting early: not us.
Settled through a SPEI participant supervised by Banxico.
Executed via a CNBV-regulated Mexican exchange.
Issued on every settlement through a SAT-authorized PAC.
Held at regulated institutional custodians in the United States, in accounts attributable to you.
KYB, sanctions, and travel-rule screening executed under our partners' U.S. BSA and Mexican Ley Fintech compliance programs, on every counterparty and every transaction.
- L01MXBanxicoSPEI / MXN settlementRegulated
- L02MXCNBVFX execution via regulated exchangeRegulated
- L03MXSAT · PACCFDI 4.0 issuanceRegulated
- L04USFinCEN · BSAKYB & travel rule via licensed partnersRegulated
- L05GLOBALOFACSanctions screening + on-chain analyticsRegulated
Institutional posture, by design.
Security and regulatory controls matched to the industry we serve — built in, not retrofitted.
Segregated by construction
Funds sit in accounts in your name at licensed custodians and banking partners — MPC/HSM-backed USDC custody and multi-sig hot operations run by regulated custodial partners. 8os holds instructions and evidence — never funds. There is nothing to commingle.
Real-time screening
Sanctions, AML, and travel-rule checks on every transaction, before execution.
Onboarding
KYB executed under U.S. BSA and Mexican Ley Fintech standards through our licensed partners.
Banking
U.S. operations in USD through partner virtual accounts. MXN settlement through a Banxico-supervised SPEI participant.
Controls your CFO already wrote down.
Funding, approvals, and integrations that match the governance you already run — without rewriting it. This is the part nobody else in the corridor sells: not moving the money, but proving who moved it, under which rule, with which receipt.
Illustrative examples.
- Virtual USD accountACH · Wire$420,500.00USD
- USDC treasury wallet0x71C…f93b$1,205,000.00USDC
- MXN settlement accountCLABE 646 180 …4521$8,540,200.00MXN
Your accounts, not ours
Virtual USD account — opened in your company's name with our licensed U.S. banking partner. Fund by ACH or wire from your operating bank. USDC treasury wallet — yours; send from your own custody, and we detect and settle. MXN settlement — a CLABE assigned to your organization at a Banxico-supervised SPEI participant. We handle the rail abstraction. The accounts — and the money in them — stay yours.
Approvals that match your governance
Per-user spending limits, dual-approval thresholds, counterparty allowlists. Your CFO controls every dollar before it moves — and can prove it after.
Designed to integrate
Self-serve dashboard, CSV bulk for payroll or supplier runs, REST API and webhooks, and ERP connectors — designed to integrate with the systems you already run.
Built for treasury today. Ready for agents tomorrow.
8os was designed API-first from the first commit. The same infrastructure your treasury team uses today to authorize a payment manually can tomorrow orchestrate payments initiated by autonomous systems — with the same limits, the same approval rules, the same audit trails.
We start with treasury; agents are the next floor of the same building.
Designed for the flow you're already running.
Four buyer profiles, one set of rails. U.S.–Mexico goods trade hit $872.8 billion in 2025; these are the ones who feel the friction of moving it most:
Source: U.S. Census / USTR, 2025. Total goods trade — corridor size, not addressable volume.
Software houses
01Billing U.S. clients in dollars and paying Mexican engineers in pesos — without trapping cash in the float, and without your accountant chasing CFDIs at month-end.
Manufacturing & nearshoring
02Paying suppliers across the corridor with CFDI compliance built in and an audit trail your customs broker will actually thank you for.
Mexican exporters
03Receiving USD from U.S. customers — settled directly to MXN, or held in USDC for treasury optionality.
USDC-native treasuries
04Companies running USDC operations that need a regulated, auditable MXN off-ramp.
What working with us looks like.
We're early, and we're working with a small group of design partners — companies already operating in the corridor who want to build this with us from the first real flow.
- 01Book a call and tell us your cross-border flow.
- 02We model your current cost on your real volume — against your own MT103s, not our benchmarks.
- 03We design the first flow and the controls your treasury needs, together.
- 04We run it with you, documented end to end.
Three numbers on every settlement. Zero hidden in the spread.
On every settlement you see exactly three things: the interbank reference rate, the FX execution cost, and the 8os fee. Corridor costs pass through at partner rates — we don't make money on your spread, and we never hold your float.
What you pay 8os for is the control plane: approvals, policy, CFDI, audit, reconciliation. The work a back-office does today, running as software.
Pricing is modeled on your real flow — volume, frequency, and controls. Book a call and we'll send a quote against your actual numbers.
Stop overpaying on every cross-border invoice.
Book a 20-minute call. We'll model your current cost against 8os on your real payment volume, walk you through the architecture — and when your auditor asks the first question every auditor asks, “who holds the money?”, you'll have the only answer that ends the meeting early: licensed institutions, in accounts under your name. Never us.
No commitment.
Building something that needs to pay across borders, on stablecoins, without humans in the loop? Read the thesis → the 8os thesis