Mesa de Pagos

    01 — About Mesa

    Building the financial layer for cross-border money in the Americas.

    Mesa de Pagos is a regulated payments infrastructure company. We give businesses and platforms a single API to move money across 100+ countries — with local rails, transparent FX, and stablecoin settlement where it makes sense.

    Talk to usView licensing

    02 — Who we are

    A regional team obsessed with local rails.

    Mesa de Pagos was founded in Bolivia in 2023 with a simple idea: moving money across the Americas should not feel like a fight with your bank. We started by solving the Bolivia–USD corridor, and today we operate across five jurisdictions, connecting businesses, platforms, and fintechs to local rails and stablecoin settlement.

    We are operators before engineers: our team blends banking, regulatory, and product experience across LatAm. That translates into infrastructure built with compliance from day one — not patched on later.

    • Founded

      2023 · Santa Cruz, Bolivia

    • Team

      40+ across 4 offices

    • Coverage

      100+ countries · 30+ rails

    • Focus

      Cross-border payments infra

    03 — Principles

    Three principles guide every product we build.

    • Regulated by design

      Licensed entities and partners across every corridor we serve. Compliance is the default, not the exception.

    • Local rails, global API

      We connect directly to PIX, SPEI, ACH, SEPA, and 25+ more rails so you don't have to.

    • Transparent economics

      Our 1% FX margin is embedded in the rate. No hidden spreads, no surprise wire fees.

    04 — Offices

    Four offices, one platform.

    Operating coordinates · LATAM

    05 — Licensing & Regulation

    Regulated where we operate. Audited year-round.

    We operate through licensed entities and regulated partners in every jurisdiction we serve. This table summarizes our regulatory perimeter.

    ASFI registration certificate · Mesa de Pagos Bolivia
    ASFI/004/2026 Certificate of Adequacy
    🇧🇴Bolivia · ASFI

    Certified by ASFI as a VASP operator.

    Mesa de Pagos S.R.L. holds ASFI Certificate of Adequacy ASFI/004/2026 as a Financial Technology Company authorized to operate as a Virtual Asset Service Provider (VASP / PSAV in Spanish): exchange between virtual assets and fiat currencies, VA transfers and custody, Cross-Border B2B payments, institutional OTC, self-custody wallets, and automatic transfers between stablecoins and ACH, SEPA, Fedwire and SWIFT.

    • Bolivia
      Mesa de Pagos S.R.L.
      ASFI · UIF
      Registered FX & remittance operator
      Active
    • Chile
      Mesa de Pagos SpA
      CMF · UAF
      Foreign exchange & payment services (in process)
      In progress
    • Brazil
      Mesa de Pagos Brasil Ltda.
      BCB · COAF
      Payment institution (in process)
      In progress
    • Peru
      Mesa de Pagos Perú S.A.C.
      SBS · UIF
      FX & payment services (in process)
      In progress
    • Argentina
      Mesa de Pagos Argentina S.A.
      BCRA · UIF
      PSP / FX provider (in process)
      In progress
    • United States
      Partner-issued MTLs
      FinCEN · State MTLs
      MSB registered · partner-issued bank accounts & MTL coverage
      Active
    • European Union
      Partner-issued IBANs
      EMI partners
      EUR rails via licensed EMI partners
      Active
    • China
      Partner-licensed
      PBOC · SAFE partners
      CNY rails via licensed local partners
      Active

    For regulatory or compliance inquiries, reach us at compliance@mesadepagos.com.

    06 — From the blog

    Recent notes on cross-border money.

    View all
    View all

    Ready to build on regulated rails?

    Our team will connect you to the right entity and the right corridor.

    Talk to sales