The payment and the books, closed together.
Your US client pays in dollars. Pesos land in your account over SPEI the same day, and the Mexican tax loop closes with the CFDI and the payment complement stamped alongside the movement — not five days later, by hand. Money sits in accounts in your company's name at licensed institutions. 8os never holds it.
- You bill in dollars
- Pesos arrive over SPEI
- CFDI and complement stamped
- Accounts in your name
Illustrative flow. Reference timing, not an SLA.
Everyone sells moving money.
Moving money between the United States and Mexico is a solved problem: there are ten ways to get the dollar across. None of them finishes the job.
The job finishes when your accountant can tie the deposit to the invoice, at the right day's exchange rate, with the complement stamped inside the deadline, and evidence that survives an SAT review.
We don't sell 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 world's #4 market for B2B stablecoin payments by 2035, at $346 billion in volume, behind only the United States, Brazil and Japan.
Source: Juniper Research, 2026.
Five calendar days. Saturdays count.
Rule 2.7.1.32 of Mexico's RMF 2026 requires the payment complement to be stamped by the fifth calendar day of the month following the month the payment was received. Calendar days, not business days.
When you collect dollars from abroad, the clock starts the day the money arrives — not the day your bank tells you, and not the day your accountant pulls the statement. And because a wire takes two to five business days to land, the transaction is almost never paid in a single instalment: it's PPD, and PPD means a complement.
- Tax consequence · 01
The seal
Systematic omissions can trigger temporary restriction of your digital seal certificate (CFF Art. 17-H Bis). No seal, no invoices. No invoices, no collections. It is the only risk on this list that can shut the company down.
- Tax consequence · 02
The fine
Failing to issue a receipt, or issuing it late, is an infraction under CFF Art. 83(VII), penalised under Art. 84. It is counted per document, not per month.
- Tax consequence · 03
The complements you don't receive
On the other side of the cycle, when you pay Mexican contractors and suppliers, you're the one who needs their complement to credit VAT. Chasing them is the part of the month nobody wants.
No global infrastructure provider is going to build this. Not for lack of capability — it is local tax idiosyncrasy that doesn't justify a quarter of engineering outside Mexico.
Today one person runs this cycle. Six steps, every month.
The first question isn't how many basis points you lose on the exchange rate. It's who reconciles your US clients' payments, and how many hours it takes every month.
- Payment detected — Spot that the payment landed — checking the bank by hand
- Invoice matched — Match it to the right invoice and the right UUID
- Correct FX — Apply the correct day's exchange rate
- Complement stamped — Stamp the payment complement before the 5th
- SPEI disbursement — Disburse to contractors and suppliers over SPEI
- Evidence ready — Assemble the evidence for the accountant and for a possible review
In a 20-to-50 person agency, that work is split across half an administrative assistant, a slice of the external accounting firm, and the founder's invisible hours approving payments. Nobody holds that job full time, yet the work exists every month.
What we're building with our first design partners is for that cycle to run on its own, and for you to just approve.
Three numbers on every collection. Zero hidden in the exchange rate.
Moving a B2B payment between the United States and Mexico over correspondent banking costs more than what appears on the invoice. For mid-market companies without a negotiated FX desk, the all-in cost — markup over the interbank exchange rate, the origin wire fee, and intermediary deductions that surface weeks later — typically lands between 1.5% and 3% of transaction value, with a two-to-five-business-day wait.
Don't take our benchmark. Audit your own: pull your last MT103, compare the rate you received against interbank at execution, and add the fees.
- 01The interbank reference exchange rate
- 02The currency-exchange execution cost
- 03The 8os fee
Corridor costs pass through at our partners' rates, without markup. We don't make money on your exchange rate and we don't hold your money in transit. If you already have a negotiated currency-exchange rate better than ours, you'll see it — because we show it. What you buy here isn't an exchange rate: it's the payment arriving with its receipt, its policy applied, and its audit trail.
Illustrative ranges from published United States–Mexico corridor benchmarks. Not a quote or a measured result.
On regulated infrastructure. Custody stays with the licensed.
Your money moves through accounts opened in your company's name at licensed, supervised institutions on both sides of the border. 8os issues the instructions and produces the evidence — it never holds, pools, or transmits your money. When your auditor asks “who holds the funds?”, the answer ends the meeting early: not us.
Each layer is operated by a licensed third party. 8os replaces none of them.
Banxico-supervised SPEI participant
MX · Via partnerPesos reach the CLABE
CNBV-regulated exchange house
MX · Via partnerCurrency exchange
SAT-authorized PAC
MX · Via partnerCFDI and payment-complement stamping
Licensed United States partners
US · Via partnerKYB and travel rule under BSA
OFAC screening and chain analytics
GLOBAL · Via partnerSanctions and counterparties
8os is not a bank, is not an electronic payment funds institution (IFPE), and does not take deposits from the public. There is no “8os account”: there are your accounts, at licensed institutions, in your name, over which 8os applies policy and produces proof.
Clean trace, end to end. Every collection carries its origination, screening, currency-exchange execution, and CFDI reference — queryable via API.
Part of the international leg moves over regulated digital dollars (USDC), held by US institutions in accounts attributable to your company. That is what lets the international leg avoid the correspondent chain — and what leaves the trace later reconciled against the CFDI.
The reason you'll be able to let go of it.
Per-user limits, dual-approval thresholds, counterparty allowlists, and a log that can't be edited after the fact. Policy isn't a compliance checkbox. It is the only reason a founder accepts that a system touches their money.
Illustrative example.
When the payer is an agent, the proof doesn't change.
Once the account and the policy exist, an agent is simply one more authorized user: with its own limit, its own trail, and its own receipt. That's the Organization → User → Agent hierarchy. It runs with human users today.
Agent-initiated payments: Planned. See Product status
The full thesis on the agent economyMexican agencies and software houses billing in dollars.
10 to 50 people, founder-led, with a Mexican legal entity, US clients, and the obligation to stamp a CFDI and payment complement for every payment received. They collect in dollars and pay payroll, contractors, and suppliers in pesos. United States–Mexico goods trade reached $872.8 billion in 2025. This is the segment carrying that friction without a treasury team.
Source: U.S. Census / USTR, 2025. Corridor size, not addressable volume.
10–50 · people
01A Mexican team led by its founder.
USD · collections
02US clients and dollar-denominated invoices.
MXN · operations
03Payroll, contractors and suppliers over SPEI, with CFDI and REP.
The same cycle applies to manufacturing, nearshoring and exporters. We start with agencies because that's where the whole cycle fits into one conversation with the founder.
We're early, and we say so.
We're not selling a general product. We're choosing a small group of design partners already operating in the corridor who want to build this from the first real flow.
Map the flow
Book a call and tell us how you collect today
Limited slots. Every design partner is run directly and under supervision.
Pricing modeled on your real flow.
What you pay 8os for is the control plane: approvals, policy, CFDI, payment complement, audit, and reconciliation. The work a back office does today, running as software.
Corridor costs pass through at partner rates. We don't make money on your exchange rate and we don't hold your money in transit.
Book a call and we'll send a quote against your numbers.
The payment arrived. Did the complement?
Book 20 minutes. We'll model your current cost on your real volume, show you the full cycle — from the dollar arriving to the stamped payment complement — 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 in your company's name. Never us.
No commitment.