Peso Gateway
Turn pesos into stablecoins and back. Fund by SPEI, card or cash at retail; cash out to any CLABE in real time.
One set of rails for digital dollars and digital pesos
Use the pieces you need and keep the systems you already run. Distbit plugs into your ledger, your compliance flow and your bank, and handles the on-chain side for you.
Not only dollars. The peso, on-chain too.
Most payment stacks stop at the dollar. Distbit supports peso-denominated stablecoins as well, so Mexican businesses can hold, settle and pay in MXN without taking FX risk they never asked for.
Digital dollars
For cross-border trade, remittances and dollar savings.
USDCIssued by Circle
USDTIssued by Tether
Digital pesos
For domestic settlement, payroll and peso treasury.
MXNBIssued by Juno
MXNTIssued by Tether
MMXNIssued by Moneta Digital
Distbit does not issue stablecoins. Each asset is issued and backed by its own issuer; supported networks and availability vary by asset.
We take on the hard parts, you keep the customer
One integration opens Mexico and the main Latin American markets, without opening a local entity or a new bank relationship in each country.
Local accounts, named for you
Receive pesos into dedicated CLABE accounts in your company's name, even if you operate from the US or Europe. Funds land as MXN or as stablecoins, your choice.
Real-time settlement
Money moves between countries in seconds, with a status and an on-chain receipt for every step, so finance and support always see the same thing.
An API your team already understands
Plain REST endpoints, webhooks and a full sandbox. Go from first call to production in weeks, not quarters.
Made for companies where money has to move
Remittance companies
Fund the US–Mexico corridor with stablecoins instead of pre-funded bank accounts, and pay out to any CLABE in real time.
Fintechs and neobanks
Add dollar accounts, international transfers and a card to your app without building the crypto plumbing yourself.
Importers, exporters and logistics
Pay suppliers abroad and collect from buyers in local currency, with transparent FX and same-day settlement.
Payroll and gig platforms
Pay contractors across Latin America in pesos or dollars, on their schedule, including weekends.
Global crypto platforms
Launch peso deposits and withdrawals for Mexican users without setting up a local entity or bank accounts.
Merchants and marketplaces
Accept stablecoin payments at checkout and settle to your bank in MXN, or keep the balance in digital dollars.
From sandbox to live payments in three moves
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1
Connect
Get sandbox keys, follow the quickstart and simulate SPEI deposits, conversions and payouts end to end.
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2
Plug into local rails
Complete business onboarding once and get access to bank and cash networks in Mexico and the markets you need next.
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3
Move money
Collect, convert, hold and disburse in pesos and dollars, and track every transaction from one dashboard.
Mexico first, Latin America next
| Market | Currency | Local rails | Status |
|---|---|---|---|
| Mexico | MXN | SPEI, CoDi / DiMo, cash at retail, cards | Launch market |
| United States | USD | ACH, wires, cards | Corridor |
| Colombia | COP | Bre-B, PSE, bank transfer | Roadmap |
| Brazil | BRL | PIX, bank transfer | Roadmap |
| Argentina | ARS | CVU / CBU transfers | Roadmap |
| Peru and Chile | PEN, CLP | Local bank transfer | Roadmap |
Questions we hear often
Not covered here? Write to our team.
Why use stablecoins instead of a bank wire?
Wires depend on correspondent banks, cut-off times and business days. Stablecoins settle in seconds at any hour, and every movement leaves a verifiable record. Distbit converts back to pesos or dollars at the edges, so your customers never have to touch crypto.
Why would I hold a peso stablecoin?
If your costs and revenue are in pesos, converting everything to dollars adds FX exposure. MXN stablecoins such as MXNB, MXNT and MMXN let you settle on-chain and stay in pesos, then cash out to SPEI whenever you need.
Do I need to replace my current systems?
No. Distbit sits beside your ledger, core banking or payments provider. Pick the pieces you need, such as the Peso Gateway or Embedded Vaults, and connect them through the API.
How do you handle compliance?
We identify every customer and business, screen against sanctions lists and monitor transactions under Mexico's anti-money-laundering framework. Details are in our Terms of Service below.
Ready to move money at internet speed?
Request early access
We are onboarding a first group of businesses for the US–Mexico corridor and the Distbit Wallet. Tell us what you want to build and we will reach out.
Terms of Service
Distbit Payments, S.A.P.I. de C.V.
Last updated: November 12, 2026
1. Who we are and acceptance
These Terms of Service ("Terms") govern access to and use of the websites, mobile applications, APIs and related services (the "Services") offered by Distbit Payments, S.A.P.I. de C.V. ("Distbit", "we", "us"), a company incorporated under the laws of the United Mexican States, with registered address in Mexico City, Mexico. Our Federal Taxpayer Registry (RFC) and full address are available on request at legal@distbit.io.
By creating an account, accessing the Services or clicking "I agree", you ("User", "you") confirm that you have read, understood and accept these Terms, our Privacy Notice and any product-specific terms. If you act on behalf of a legal entity, you represent that you have authority to bind it. If you do not agree, do not use the Services.
2. Definitions
Digital Asset: a representation of value recorded electronically on a distributed ledger, including stablecoins.
Stablecoin: a Digital Asset issued by a third party that aims to maintain a stable value relative to a fiat currency, such as the US dollar (e.g., USDC, USDT) or the Mexican peso (e.g., MXNB, MXNT, MMXN).
Vault: the wallet or balance associated with your account in which Digital Assets are recorded, whether held by you (self-custody) or by a custody provider on your behalf.
Recovery Phrase: the secret word sequence that allows restoration of a self-custody Vault.
Local Rails: domestic payment systems used to collect or disburse fiat currency, such as SPEI in Mexico.
3. Regulatory status and important notices
Distbit is not a bank, credit institution, Financial Technology Institution (ITF) or any other financial entity authorized or supervised by the Comisión Nacional Bancaria y de Valores (CNBV), Banco de México or the Secretaría de Hacienda y Crédito Público, unless expressly stated otherwise: [REGULATORY STATUS / AUTHORIZATIONS, IF ANY].
Neither the Mexican Federal Government nor any public entity guarantees the Digital Assets or the funds you hold through the Services. Funds and Digital Assets are not protected by the Instituto para la Protección al Ahorro Bancario (IPAB) or any deposit insurance scheme.
Distbit does not issue stablecoins. Each stablecoin is issued, backed and redeemed by its own issuer under that issuer's terms. Distbit does not guarantee the reserves, redemption or peg of any stablecoin.
Where fiat services (such as CLABE accounts, card issuing or payouts) are provided by licensed third parties, those parties act under their own authorizations and terms, which you also accept and which are identified in the applicable product terms and in the app.
4. Eligibility, identification and anti-money laundering
You must be at least 18 years old and have full legal capacity. Business users must be validly incorporated and provide the documentation we request.
Activities involving virtual assets may constitute vulnerable activities under the Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita (LFPIORPI). Accordingly, we identify Users, verify information, keep records, monitor transactions and file the reports required by law with the competent authorities.
You agree to provide true, complete and up-to-date information, including official identification, CURP and RFC (or foreign equivalents), proof of address and, for businesses, incorporation documents and beneficial ownership information.
We may refuse, limit or close accounts of persons included on sanctions or blocked-persons lists, persons located in restricted jurisdictions as defined in our compliance policy, or where we cannot complete due diligence.
5. Accounts, Vaults and security
You are responsible for keeping your credentials, PIN, biometric access and devices secure, and for all activity under your account.
Self-custody Vaults. If you use a self-custody Vault in the Distbit Wallet app, your Digital Assets are controlled by keys stored on your device and recoverable only with your Recovery Phrase. Distbit does not store your Recovery Phrase and cannot recover it, reverse transactions or restore access if you lose it. If you uninstall the app without your Recovery Phrase, your Digital Assets may be permanently lost.
Custodial Vaults. Where Digital Assets are held on your behalf, they are kept by a regulated third-party custody provider in segregated accounts and recorded in your name in our books, subject to these Terms.
6. Transfers, conversions and network fees
Before you confirm a transfer or conversion we will show you the amount, the exchange rate or quote, our fee and the estimated network fee. Quotes are valid for the period shown.
Blockchain transactions are irreversible once broadcast. You are responsible for entering the correct address and network. Assets sent to a wrong address or unsupported network may be lost.
Network fees are set by the blockchain, not by Distbit, and vary with network demand. If you select "exact amount", the network fee is added to your total so the recipient receives the full amount; otherwise it is deducted from the amount sent.
Fiat payouts depend on the Local Rails and receiving institution; their timing and availability are outside our control.
7. Risks of Digital Assets
Digital Assets involve significant risks, including: loss of the peg of a stablecoin; insolvency, freezing or redemption limits imposed by an issuer; failures, forks or congestion of blockchain networks; smart contract vulnerabilities; cyberattacks; and changes in law or regulation that may restrict their use.
Distbit does not provide investment, legal, tax or financial advice. You use Digital Assets at your own risk and should only use amounts you can afford to lose.
8. Prohibited uses
You may not use the Services for money laundering, terrorist financing, fraud, evasion of sanctions, illegal gambling, the sale of illegal goods or services, market manipulation, or any activity contrary to Mexican law or the law of your jurisdiction. You may not interfere with the Services, reverse-engineer them, or access them through automated means not authorized by us.
9. Business services and API
Business Users who access the Distbit API, Local Accounts, Peso Gateway or other Rails products do so under a separate commercial agreement and the API documentation, which prevail over these Terms where they conflict. Business Users remain responsible for the identification of their own customers where the agreement so provides, and for keeping API keys confidential.
10. Card program
The Distbit card is issued by a licensed issuing partner under license from the applicable card network and is governed by the cardholder agreement of the issuer. Card spending may require converting Digital Assets into fiat at the time of purchase, at the rate and fee shown in the app.
11. Fees and taxes
Our fees are shown in the app before each transaction and, for business users, in their commercial agreement. Prices include value added tax (IVA) where applicable. You are responsible for your own tax obligations arising from the use of Digital Assets, and we may issue electronic invoices (CFDI) and report information to tax authorities as required by law.
12. Suspension and termination
We may suspend or close your account, freeze transactions or decline instructions when required by law or a competent authority, when we suspect fraud or a breach of these Terms, or when we cannot complete due diligence. You may close your account at any time after withdrawing your balance, subject to any pending obligations or legal holds.
13. Intellectual property
The Distbit name, logos, software, designs and content are owned by or licensed to Distbit and protected by Mexican and international law. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for their intended purpose. Third-party names and stablecoin tickers belong to their respective owners.
14. Limitation of liability
To the extent permitted by law, Distbit is not liable for losses caused by: the acts or failures of stablecoin issuers, blockchain networks, custodians, banks or other third parties; loss of your credentials or Recovery Phrase; errors in information you provide; market volatility; or events beyond our reasonable control. Our aggregate liability shall not exceed the fees you paid us in the 12 months preceding the claim. Nothing in these Terms limits rights that cannot be waived under applicable consumer protection law.
15. Personal data
We process personal data in accordance with the Ley Federal de Protección de Datos Personales en Posesión de los Particulares and our Privacy Notice (Aviso de Privacidad) published on this page (see Privacy Notice), where you will find the purposes of processing, transfers and how to exercise your ARCO rights.
16. Changes, notices and complaints
We may amend these Terms. We will notify material changes through the app, the website or by email at least 30 days in advance; continued use after the effective date means acceptance.
Questions and complaints: support@distbit.io, Monday to Friday from 9:00 to 18:00 (Mexico City time). We will respond within 10 business days.
17. Governing law, jurisdiction and language
These Terms are governed by the federal laws of the United Mexican States. Any dispute shall be submitted to the competent courts of Mexico City, and you waive any other jurisdiction that may correspond to you by reason of your present or future domicile, without prejudice to non-waivable consumer rights. These Terms are published in English and Spanish; in case of discrepancy, the Spanish version prevails.
Privacy Notice
Aviso de Privacidad Integral
Distbit Payments, S.A.P.I. de C.V.
Last updated: November 12, 2026
1. Responsible party
Distbit Payments, S.A.P.I. de C.V. ("Distbit"), with address in Mexico City, Mexico, is responsible for the processing of your personal data under the Ley Federal de Protección de Datos Personales en Posesión de los Particulares, its regulations and applicable guidelines (the "Law").
2. Data we collect
Identification and contact data: name, date of birth, nationality, CURP, RFC, official ID, address, email and phone.
Financial and transactional data: bank account (CLABE) details, wallet addresses, transaction history, source of funds and economic activity.
Business data: incorporation documents, legal representatives and beneficial owners.
Technical data: device identifiers, IP address, app and website usage, and cookies.
Sensitive data. For identity verification we may process biometric data (such as a facial image compared with your ID). We will only do so with your express consent, which you give when you start the verification.
3. Primary purposes
We use your data to: identify you and verify your identity; open and manage your account, Vault and cards; execute transfers, conversions and payouts; comply with anti-money-laundering, tax and other legal obligations; prevent fraud; provide support; and enforce our Terms of Service. These purposes are necessary for the relationship and do not require separate consent.
4. Secondary purposes
With your consent we may also use your data to send product news, invitations and marketing, and to run surveys and analytics to improve our services. You may object at any time by writing to privacy@distbit.io or using the unsubscribe link in our messages; this will not affect the services you use.
5. Transfers
We may share your data, without requiring your consent where the Law allows, with: competent authorities when required by law; licensed partners that provide banking, custody, card issuing or payout services to fulfil your instructions; and companies in our corporate group under common policies. Service providers that process data on our behalf (hosting, identity verification, messaging) are bound by confidentiality and data-protection obligations.
6. Your ARCO rights and consent revocation
You may access, rectify, cancel or oppose the processing of your data (ARCO rights), revoke your consent or limit its use by sending a request to privacy@distbit.io with your name, a copy of your ID (or proof of representation), a clear description of the data and the right you wish to exercise. We will respond within the terms set by the Law. Some data must be kept for the periods required by anti-money-laundering and tax laws even after your account is closed.
7. Cookies and similar technologies
Our website and app use cookies and similar technologies to keep your session secure, remember preferences and measure usage. You can disable non-essential cookies in your browser settings; some features may not work without essential cookies.
8. Security and retention
We apply administrative, technical and physical safeguards, including encryption in transit and at rest and access controls, to protect your data. We keep data only as long as needed for the purposes above and the retention periods required by law.
9. Changes to this notice
We may update this Privacy Notice. We will publish any change on this page and, when material, notify you through the app or by email.