Replace correspondent banking with one API call.
8os settles cross-border B2B payments on stablecoin rails. USDC in, MXN out — or the other way. Institutional FX, CFDI 4.0 built in, in a single flow. No SWIFT. No two-day wait. No lifting your treasury team off the floor on a Friday afternoon waiting for an MT103 to clear.
Illustrative example of the flow.
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.
Moving a payment between the US and Mexico over correspondent banking costs far more than shows up on any invoice. The World Bank estimates cross-border B2B payments take 3 to 5 days and cost an average of 6.3% of the transaction value — across FX markup, correspondent fees, and compliance charges. Traditional bank FX spreads run 2.5% to 5%, and the all-in corridor cost typically lands between 3% and 7%.
Sources: World Bank (2025); US–MX corridor industry benchmarks.
- FX spread (2.5–5%)$1,375
- Origin wire fee$35
- Intermediary deductions$22
- FX spreadinstitutional
- Settlement feebps only
- Intermediary deductions$0
| Line item | Correspondent banking | 8os |
|---|---|---|
| FX spread | 2.5%–5% over interbank | Institutional rate, locked at execution |
| Origin wire fee | $15–$50 | Included in per-settlement bps |
| Intermediary deductions | $15–$30 (surfaced weeks later) | $0 |
| Time to settlement | 3–5 business days | Single flow, no T+2 |
| CFDI 4.0 emission | Not included | Automatic |
| Traceability | Manual reconciliation | Real-time webhook + dashboard |
| All-in corridor cost | 3%–7% of transaction value | Per-settlement bps, locked at execution |
- FX spread2.5%–5% over interbank
- Origin wire fee$15–$50
- Intermediary deductions$15–$30 (surfaced weeks later)
- Time to settlement3–5 business days
- CFDI 4.0 emissionNot included
- TraceabilityManual reconciliation
- All-in corridor cost3%–7% of transaction value
- FX spreadInstitutional rate, locked at execution
- Origin wire feeIncluded in per-settlement bps
- Intermediary deductions$0
- Time to settlementSingle flow, no T+2
- CFDI 4.0 emissionAutomatic
- TraceabilityReal-time webhook + dashboard
- All-in corridor costPer-settlement bps, locked at execution
even at the conservative end of the range, $1M/month in cross-border payments is $120,000 to $360,000 a year your correspondent keeps without it appearing on any invoice.
At $10M/month, that's $1.2M to $3.6M a year. At that range it's no longer operational friction — it's headcount.
Run your real volume.
Estimate based on US–MX correspondent banking spread benchmarks. Calibrate against your real rate by comparing it to the interbank mid-market rate.
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 basis point visible on every settlement.
- Single synchronous flow — SPEI settlement, on-chain provenance, reconciled to the cent.
- CFDI 4.0 issued automatically — Your counterparty gets a compliant invoice — 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 at your 8os wallet via ACH, USDC transfer, or virtual CLABE. A webhook fires the moment the deposit confirms — your treasury system knows before the funds settle.
Built on regulated rails.
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 with institutional custodians in the United States.
KYB, sanctions, and travel-rule screening under both U.S. and Mexican standards.
- L01MXBanxicoSPEI / MXN settlementRegulated
- L02MXCNBVFX execution via regulated exchangeRegulated
- L03MXSAT · PACCFDI 4.0 issuanceRegulated
- L04USFinCEN · BSAU.S. KYB & travel ruleRegulated
- L05GLOBALOFAC · ChainalysisSanctions screeningRegulated
Institutional posture, by design.
Security and regulatory controls matched to the industry we serve — built in, not retrofitted.
Institutional custody
USDC in MPC/HSM-backed custody. Multi-sig for hot operations. No commingled funds.
Real-time screening
Sanctions, AML, and travel-rule compliance on every transaction.
Onboarding
KYB under U.S. BSA and Mexican Ley Fintech standards. PLD/FT program.
Banking
U.S. operating in USD. Mexican concentradora via a SPEI participant.
Controls your CFO already wrote down.
Funding, approvals, and integrations that match the governance you already run — without rewriting it.
Illustrative examples.
- Mercury USD operatingACH · Wire$420,500.00USD
- USDC treasury wallet0x71C…f93b$1,205,000.00USDC
- MXN concentradoraCLABE 646 180 …4521$8,540,200.00MXN
Multiple funding sources
Wire from your U.S. operating account, send USDC from your treasury, or fund in MXN through a virtual CLABE assigned to your organization. We handle the rail abstraction.
Approvals that match your governance
Per-user spending limits, dual-approval thresholds above set amounts, and counterparty allowlists. Your CFO controls every dollar before it moves.
Designed to integrate
Self-serve dashboard, CSV bulk for payroll or supplier runs, REST API and webhooks, and ERP connectors (SAP, NetSuite) — 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.
Manufacturing & nearshoring
02Paying suppliers across the corridor with CFDI compliance built in.
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.
- 03We design the first flow and the controls your treasury needs, together.
- 04We run it with you, documented end to end.
No setup fees. No monthly minimums.
You pay per settlement, on volume tiers that compress as you scale.
Transparent FX, locked at execution. Every basis point visible on every transaction.
Pricing modeled on your real monthly volume — book a call and we'll send a quote.
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 answer every regulatory question your auditor will ask. No commitment.
Building something that needs to pay across borders, on stablecoins, without humans in the loop? Read the thesis → 8osapi.com