Mexico’s first peso-denominated blockchain escrow goes reside on SPEI for high-value P2P transactions.
Mexico Metropolis, April 29, 2026 — Kustodia, a programmable escrow platform for Latin America’s high-value economic system, right now introduced the general public launch of its sensible contract escrow service in Mexico. Patrons and sellers can now defend any transaction — from used autos to actual property deposits to B2B contracts — utilizing SPEI, Mexico’s immediate fee rail. Funds are held in audited sensible contracts till each events verify supply, with no human middleman concerned.
Fee fraud stripped $44.3 billion from the worldwide economic system in 2024, in line with Juniper Analysis. Latin America has the world’s highest fraud charge, with 20 % of service provider income misplaced yearly. In Mexico, each greenback of fraud prices $4.08 in complete financial injury — representing roughly $600 million USD in annual losses, in line with knowledge from Cloudflare and Mexico Enterprise Information.
‘I misplaced cash to fraud in a peer-to-peer transaction in 2021,’ stated Rodrigo Jimenez, Founder and CEO of Kustodia. ‘I spent three years constructing the infrastructure that ought to have existed. Mexico’s $60 billion used car market runs virtually completely on stranger-to-stranger transactions with no safety for both aspect. We modified that.’
The way it works — no app, no crypto information wanted
Kustodia works completely by SPEI and WhatsApp. The client deposits pesos to a singular account quantity generated by Kustodia. These pesos are instantly locked in a wise contract on the Arbitrum blockchain — neither social gathering can entry them. The vendor delivers. Each events verify. The funds are launched to the vendor’s checking account in pesos. The blockchain operates invisibly; customers work together solely by WhatsApp.
The platform makes use of MXNB, a 1:1 Mexican peso-backed stablecoin issued by Juno and audited by a Huge 4 accounting agency, as its escrow settlement layer. This implies customers by no means expertise cryptocurrency value volatility — they ship pesos and obtain pesos. Each accomplished transaction is publicly verifiable on Arbitrum’s blockchain explorer for gratis to anybody.
Customers by no means pay blockchain charges. Kustodia absorbs and bundles these prices robotically, so the one charge a person sees is the escrow fee — 3 % for traditional transactions, decrease for quantity companions. In comparison with conventional escrow brokers that cost 3 to six % and take 5 to 7 days to settle, Kustodia settles near-instantly.
From used automobiles to actual property to AI brokers
Kustodia’s preliminary focus is the Mexican used car market, the place the common transaction is $15,000 USD and fraud threat is highest. The platform consists of built-in car historical past verification powered by Truora, KYC id checks, and webhook-based notifications for market integrations.
The platform additionally helps AI brokers by its devoted agent infrastructure at kustodia.app/ai-agents, enabling autonomous techniques to create and handle escrow contracts programmatically. Web3 native escrow is obtainable at kustodia.app/web3, supporting USDC and MXNB on Arbitrum and Injective.
Actual property rental deposits, crowdfunding, and market integrations are reside as further verticals. USD Wire is supported for cross-border US-to-Mexico transactions. Brazilian actual (BRL) by way of Pix is in growth for the corporate’s deliberate 2027 Brazil growth.
Supply: Kustodia
Constructed for builders and platforms
Kustodia provides a full API and webhook system for market integration. Builders can discover documentation and check the platform at kustodia.app/demo/market. The platform at the moment works alongside SPEI, USD Wire, and USDC — and compares favourably to MercadoPago and Stripe Mexico, neither of which provides true escrow, blockchain verification, or built-in car checks.
Supply: Kustodia
About Kustodia
Kustodia is programmable escrow infrastructure for Latin America and rising markets. The platform protects high-value transactions throughout autos, actual property, providers, and crowdfunding utilizing sensible contracts on Arbitrum and Injective, with SPEI and USD Wire as fiat rails. Accessible at kustodia.app.
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