Moving money costs $0. Here is what pays for it.
We have not launched. Pesito has no customers and no revenue, and it moves no money today. This page shows the plan: who pays for a $0 transfer, where the money comes from, and what we never earn on. A price of $0 is only believable when you can see the business behind it.
The same structure Cash App and Chime use.
Moving money costs $0. The business is where money sits and how it is spent. Cash App and Chime do not charge to move money between their customers; they earn on balances and on the card. Pesito is built the same way, for families on both sides of the border. The price is $0 and 0% FX on the Pesito network, and a standard withdrawal to your own bank account is $0.
A family can move money from a US sender to its own bank account in Mexico for $0 end to end: a $0 transfer on the Pesito network, then a $0 standard withdrawal. Every paid feature is optional and shown next to its $0 alternative.
Pesito pays the costs of a $0 transfer. You do not.
Moving a transfer across the Pesito network costs the same whatever the amount. What costs money is pulling dollars in, fraud losses, identity and sanctions checks, support and bank payouts. Pesito pays all of it. None of it is passed to you.
Balances and the card pay for the transfer.
| Revenue | Who pays | Notes |
|---|---|---|
| Interest on pooled balances | The US bank holding customer money | Customer balances earn no interest for the customer. We say so plainly. |
| Card interchange | Merchants | Planned US debit card |
| Merchant-funded card offers | Participating merchants | Opt-in cash back; the cardholder pays nothing |
| Instant withdrawals | Customers who choose speed | Optional; standard is always $0 |
| FX spread | Nobody | Pesito does not earn on the exchange rate |
| Transfer fee | Nobody | $0 on the Pesito network |
Pesito offers no loans or credit, and credit is not part of this plan.
Interest on balances, said in full.
When we launch, the money you keep in Pesito will not sit on our balance sheet. It will sit in an account held for the benefit of customers (an FBO account) at a licensed financial institution in the United States. That institution pays interest on the pooled balance. That interest is Pesito's revenue.
Your Pesito balance does not earn interest for you. Pesito collects the interest. The agreement with the institution is being negotiated. When it is signed, we will publish the basis the interest is calculated on here.
The exchange rate.
There is no Pesito markup in the exchange rate. We quote against a public mid-market reference. If a margin ever existed, it would appear as its own line before you confirm. Never inside the rate.
The reference we plan to use is the FIX rate published by Banco de México every business day. How we average it across the life of a quote is not settled yet. As of September 4, 2026 we are still working on it, and it will be written into pricing.txt before launch. We would rather say it is missing than make it up.
Why it matters this much: a spread in the exchange rate is the fee you cannot see. It is what our founder's grandfather paid at the counter: he was told one fee and charged another inside the rate. That is the cost Pesito exists to remove.
The full financial model is in the data room.
Unit economics, cost per transfer, cohort assumptions and the five-year plan are shared with investors under NDA.
Before launch, it only moves down.
$0 and 0% FX on the Pesito network is planned launch pricing. Before launch, any change moves in one direction only: down.
After launch, two things could force it up. One: a sustained cost above what balances and optional products can carry. Two: a new legal cost that does not exist today. If that happens we will say so on the pricing page first, with a date, the new number and the reason, before it applies. We will never move it into the exchange rate.
The person setting the price knows what it costs.
Our founder, Isaias Hernandez, grew up in Washington state working in the fields. He stood in remittance lines with his grandfather and watched the fee and the rate take a slice out of the week. He built Pesito because he was on the customer side of that counter first. That is why the price will still be there when we no longer need new customers. It is the reason the company exists.
All of this, in a format a machine can read.
The fee formula, worked examples to the cent, the full fee table with its zeroes, the license status and this same explanation live in a dated text file. If a comparison service finds a difference between that file and the site, we want to hear about it.