Fast Latam cross-border payments via one multirail API

Connecting separately to SPEI* in Mexico, PIX in Brazil, PSE in Colombia and CVU/Alias in Argentina once meant months of engineering work, legal reviews and fragmented payment systems.

The Bitso Business API now delivers a multirail API that unifies those rails and injects 24/7 liquidity in stablecoins like MXNB, letting any PSP or money transmitter send money across borders faster and tap into booming digital payments without tying up capital in four different markets.

The hidden cost of multiple integrations

Budgeting four distinct payment services rarely captures the full financial burden. Continuous regulatory monitoring, certificate renewals and local support teams stretch timelines and undermine time-to-market advantages. Treasury desks must prefund accounts in multiple jurisdictions, immobilising cash that could drive growth.

As those balances sit idle in correspondent banks, every cross-border transaction incurs wider spreads and added fees, eroding margins instead of reducing costs.

What is a single multirail API?

A single multirail API sits above fragmented payment processing infrastructure and exposes one REST endpoint with smart routing, embedded compliance and on-demand liquidity. The Bitso Business API links SPEI*, PIX, PSE and CVU/Alias to deep internal pools of stablecoins, fiat and other digital assets.

Settlement happens “just in time,” so there is no need to keep capital parked in Nostro/Vostro accounts; instead, cash is unlocked for strategic initiatives while bank transfers clear in seconds—without the cut-off windows enforced by local central banks.

From a single backend call you can pay Mexican suppliers in pesos via SPEI*, settle Brazilian merchants in reais through PIX, credit Colombian freelancers over PSE or pay Argentine sellers by CVU—supporting the flow of goods and services across four of Latam’s largest economies. Because balances remain in stable-coins until final disbursement, firms avoid prolonged FX exposure and achieve a truly cost-effective operating model.

Tangible benefits for money transmitters and PSPs

PIX and SPEI* both settle in seconds, but their true super‑power emerges when integrated via a single API that tokenises BRL into USDC and pays out MXN via SPEI*. This flow delivers T+0 visibility, eliminates banking windows, and guarantees SPEI* 24/7 payouts for businesses in Mexico. Together they offer the backbone for friction‑free PIX and SPEI* payments routed through stablecoins.

In 2024 Bitso Business processed more than USD 6.5 billion in US-Mexico remittances, proving the architecture can support mission-critical volumes at scale.

A single-API Latam approach compresses the development timeline dramatically. Engineering teams work with one SDK and sandbox instead of four disparate integrations, while legal and compliance review a single contract. In practice, corridor activation drops from a typical six-month cycle to as little as two weeks, giving operators the agility to enter high-growth markets ahead of the competition.

Round-the-clock liquidity removes the dependency on central-bank clearing hours, unlocking true “follow-the-sun” settlement. Whether customers are paying freelancers at midnight or funding weekend e-commerce sales, transactions settle instantly, improving cash-flow visibility and enhancing the end-user experience of digital payments.

On the cost side, companies avoid both the up-front CapEx of multiple bespoke builds and the long-term OpEx of maintaining separate tech stacks, support teams and reconciliations. Freed developers can focus on product innovation, while treasury teams redeploy capital that was previously trapped in prefunded accounts toward growth initiatives or short-term yield opportunities.

Finally, regulatory scalability comes baked in. The provider monitors rule changes across Latam’s central banks, maintains the necessary licences and performs continuous AML/KYC checks. Instead of juggling four compliance roadmaps, you inherit a single, audited framework—reducing legal risk and accelerating approvals for new international payment corridors, today and in the future.

Checklist for choosing your single-API partner

1. Live coverage of key payment rails: SPEI*, PIX, PSE, CVU/Alias.
2. Proprietary stable-coin liquidity (MXNB, USDC, etc.).
3. Built-in elimination of prefunding—no mirror accounts.
4. Sub-30-second latency SLAs for both short-term transactions and long-term scale.
5. External audits plus real-time compliance monitoring in all active jurisdictions.

Looking for a deeper dive into the liquidity strategy powering faster, cheaper cross-border payments? Download our free eBook “Liquidity in Transactions: How LATAM Companies Drive Cross-Border FX” and discover how one endpoint can transform your bottom line.

*NVIO México enables direct access to SPEI and delivers payment services fully compliant with Mexican regulation. NVIO Pagos México, S.A.P.I. de C.V., IFPE (“NVIO México”) is authorised and regulated by the Mexican National Banking and Securities Commission (CNBV). Learn more at nvio.mx/terms.