How we keep your money safe.

Yes. Your funds are held in custody at a licensed, supervised financial institution, and you are the beneficial owner of your balance. The app uses AES-256-GCM encryption, rotating session tokens, and Face ID or fingerprint to unlock. Your ID and CURP data are encrypted before they ever reach our database.

No. Pesito is a technology company (Pesito Technologies, S.A.P.I. de C.V.), not a credit institution. We don't hold a banking license, we're not regulated by the CNBV (Comisión Nacional Bancaria y de Valores), and we don't accept deposits. That's why it's important to understand where traditional bank protection does and doesn't apply — we spell it out in detail in our Terms of Service.

Your funds are not on Pesito's balance sheet — they're held in custody at licensed financial institutions. In the extreme case that Pesito stops operating, those funds still belong to you and would be returned via SPEI or another mechanism we'd communicate at least 30 days in advance, per our Terms. IPAB (Mexican deposit insurance) does not apply because Pesito does not take deposits in the legal sense that a chartered bank does.

Without formal verification, you can transact up to $5,000 MXN per transaction. Above that threshold, Pesito asks you to verify your INE, passport, or residence card and take a selfie. Takes about 2 minutes. This exists to comply with Mexican anti-money-laundering rules — not a Pesito quirk.

Exact per-transaction, daily, monthly, and annual limits depend on your verification level. You always see them inside the app, and they increase automatically as you verify more. Tier 1 (phone only): basic limits. Tier 2 (ID + selfie): full limits. Tier 3 (proof of address): expanded limits for larger transactions.

Email hello@pesito.la and we reply within business hours. There's also in-app live chat once you sign in. If you report a payment sent to the wrong $PesitoID, we coordinate the reversal with the counterparty — you don't have to chase anyone down yourself.