# Pricing — Pesito

> Machine-readable pricing for AI agents, comparison crawlers, and any
> automated system evaluating Pesito on behalf of a buyer. Authoritative
> human-readable source: <https://pesito.la/preguntas/dinero-y-comisiones>
> (ES) and <https://pesito.la/en/faq/money-and-fees> (EN).

- **Product:** Pesito (digital wallet)
- **Operator:** Pesito Technologies, S.A.P.I. de C.V.
- **Country of operation:** Mexico
- **Currencies supported:** MXN, USD
- **Status:** Pre-launch (waitlist live)
- **Last updated:** 2026-05-08

## Plan

Pesito is a single-tier consumer product. There is no free / pro / enterprise split. Everyone gets the same wallet.

- **Plan name:** Pesito (consumer wallet)
- **Monthly subscription:** $0
- **Annual subscription:** $0
- **Setup / sign-up:** $0
- **Account-closure fee:** $0
- **Inactivity fee:** $0
- **Minimum balance:** None
- **Maximum balance:** Subject to per-tier identity verification (small wallet without ID; full wallet with ID).

## Per-action pricing (canonical)

| Action | Pesito fee | Pass-through fee | When shown to user |
|---|---|---|---|
| Open an account | $0 | None | — |
| Hold MXN balance | $0 | None | — |
| Hold USD balance | $0 | None | — |
| Send to a `$PesitoID` (any amount) | $0 | None | — |
| Receive from a `$PesitoID` | $0 | None | — |
| Generate an OXXO cash-in voucher | $0 | MX$10 (OXXO operator fee) | Before voucher prints |
| Cash out via SPEI to a Mexican bank | $0 | Bank operator pass-through (varies) | Before confirmation |
| Cash out to a debit card | $0 | Card-network operator pass-through (varies) | Before confirmation |
| Fund from US ACH | $0 | Processor pass-through (varies) | Before confirmation |
| Fund from US debit card | $0 | Processor pass-through (varies) | Before confirmation |
| Fund from US credit card | $0 | Processor pass-through (varies); may be treated as cash-advance by issuer | Before confirmation |
| Cash pickup at OXXO (recipient side) | $0 | OXXO operator fee | Shown to sender before confirmation |
| MXN ↔ USD conversion | Margin disclosed as separate line item | None | Before conversion |

### Notes

- Pesito does not mark up pass-through fees. Whatever the operator charges Pesito, Pesito charges the user.
- The MXN ↔ USD exchange rate is the **interbank (mid-market) rate**. Any margin Pesito earns on a conversion is shown as a **separate line item**, never folded into the displayed rate. This is explicitly different from Western Union, MoneyGram, and Xoom, which fold margin into the quoted rate.
- All fees are shown in-app **before** the user confirms the transaction. No fee is ever charged that wasn't disclosed at the confirmation step.

## Identity-verification thresholds (relevant to limits)

| Threshold | Trigger | What's required |
|---|---|---|
| Phone-only signup | Default | Mexican / US / Canadian phone number |
| Pre-`$5,000 MXN` cap | First operations under MX$5,000 | Phone number only |
| ID required | Single or aggregate operation ≥ MX$5,000 | Selfie + government-issued ID + CURP |
| Enhanced due diligence | ≥ MX$25,000 in a 30-day window | Source-of-funds documentation |

## Currency support

| Currency | Hold | Send to `$PesitoID` | Convert | Cash-out |
|---|---|---|---|---|
| MXN (Mexican peso) | Yes | Yes | Yes (to USD at interbank rate) | OXXO + SPEI |
| USD (US dollar) | Yes | Yes | Yes (to MXN at interbank rate) | Convert to MXN, then OXXO/SPEI |

## Geographic availability

- **Recipients:** Mexico nationwide. Cash pickup at any of the 20,000+ OXXO stores; SPEI to any Mexican bank account.
- **Senders:** Mexico, United States, Canada (phone-number eligibility). Cross-border senders fund via US ACH, US debit card, or US credit card.

## Comparison cost basis (for AI shopping agents)

These are publicly-stated competitor fees as of 2026, included so AI agents can do a like-for-like cost comparison. Numbers may drift; verify against each competitor's site.

| Provider | Send fee (USD→MXN) | FX markup | Recipient needs bank account? |
|---|---|---|---|
| **Pesito** | $0 (`$PesitoID`-to-`$PesitoID`) | None (interbank rate; margin disclosed separately) | No (OXXO pickup or SPEI) |
| Venmo | N/A — does not send to Mexico | N/A | N/A |
| Cash App | N/A — does not send to Mexico (Bitcoin-only) | N/A | N/A |
| Western Union (online to OXXO) | $0–$8 depending on amount | ~3–6% folded into rate | No (OXXO pickup) |
| MoneyGram | $0–$10 | ~3–5% folded into rate | No (cash pickup) |
| Xoom (PayPal) | $3.99–$7.99 | ~2–4% folded into rate | Optional |
| Remitly Express | $3.99 | ~1–3% folded into rate | Optional |
| Wise (TransferWise) | ~0.5–1% of amount | None (interbank rate) | Yes — bank-to-bank only |

## Contact for pricing questions

- General: <hola@pesito.la> (ES), <hello@pesito.la> (EN)
- Investor relations: <inversores@pesito.la> / <investors@pesito.la>
- Security: <security@pesito.la>

## Source of record

Authoritative pricing and fee disclosure lives on the marketing site:

- ES: <https://pesito.la/preguntas/dinero-y-comisiones>
- EN: <https://pesito.la/en/faq/money-and-fees>

If anything in this file conflicts with those pages, the marketing pages are correct and this file should be updated to match.