Instant bank transfer

SPEI: getting paid in Mexican Peso after selling crypto

SPEI is the Mexican interbank transfer system. The beneficiary is identified by an eighteen-digit CLABE, unique and attached to one account.

MXN
1 country
under 5 minutes
No rail fee
Open

The rail in numbers

All these values come from the catalogue published on this site, and are republished as soon as our own measurements contradict them.

Technical nature: Instant bank transferSettlement in individual messages: the receiving bank must answer within seconds. That is what makes the rail usable at night and on weekends.
Settlement currency: MXN — Mexican PesoIf this is not your account currency, your bank applies its own conversion on arrival. That cost does not go through us and does not appear in our breakdown.
Settlement delay (p50 / p95): 3 min / 45 minThe median describes the common case, the p95 the slow one. We show both: a median alone hides exactly what worries you.
Operating window: Continuous, weekends and holidays includedNo cut-off: orders are processed continuously, nights and holidays included.
Min – max per operation: MX$50.00 – MX$100,000Bounds belonging to the rail. An amount above the cap is split into several payouts, which multiplies any fixed fee accordingly.
Rail fee: No rail feeIts own line in the breakdown, next to the network cost and our spread.
Coverage: 1 countryLocal rail: the country carries its own information (identifier, limits, reporting framework), so each country gets its own corridor page.
Data verified on: 2026-09-02Date of the last manual review of this rail’s delays, limits and fields. Data not reviewed for a long time is suspect data, ours included.

How this rail actually works

The system processes orders continuously and institutions settle among themselves several times a day. For the beneficiary, the credit is near immediate once the order is accepted.

The last CLABE digit is a checksum: we verify it before confirming the order, which eliminates typos but not a valid CLABE belonging to someone else.

What makes the delay

This rail processes orders continuously: there is no business day and no cut-off. The gap between the median and the p95 of 45 min comes from the availability of the receiving institution or operator, not from a clearing window.

Details required from the beneficiary

Every field is validated as you type, with the same rule client-side and server-side. That is what prevents most rejected payouts.

Field	Type	Required	Validation rule	Why
Account holder name	Text	Yes	2 to 140 characters · edges trimmed	Must match the name verified on your ID exactly. A mismatch gets the transfer rejected.
CLABE	Text	Yes	exactly 18 digits · digits only kept	18 digits. The last digit is a checksum.

The rules shown are the ones actually enforced: there is no “marketing” version of this table differing from the code.

Countries where this rail can pay you

Each country page ranks the rails available there by delay and adds the local reporting framework.

MexicoMXN

The 18 assets you can sell to SPEI

The asset does not change how the rail works: it changes the confirmation time before the payout leaves, and the spread applied.

Keep going

The catalogue’s three entry points lead to the same place by different routes.

All payout methods The sell catalogue All countries All assets

Frequently asked questions about SPEI

How fast does SPEI credit my account?

under 5 minutes in half the cases, and up to 45 min in the slowest ones. This rail runs continuously, weekends and holidays included. These are market orders of magnitude, not a contractual commitment.

What are the minimum and maximum amounts on SPEI?

Between MX$50.00 and MX$100,000 per operation, in Mexican Peso. These bounds belong to the rail itself. An amount above the cap is split into several payouts, which multiplies any fixed fee accordingly.

What does a SPEI payout cost?

No rail fee for the rail itself. That amount appears as its own line in the breakdown, next to the network cost taken from your deposit and our spread. The lines sum to exactly the gap between the mid-market value and what you receive.

What do I need to provide to receive on SPEI?

2 fields: Account holder name, CLABE. Every format is validated before the order is accepted, not at send time: a typo is flagged immediately, not three days later as a rejection.

Which assets can I sell to SPEI?

18 assets are offered on this rail. The asset does not change how the rail works: it changes the confirmation time before the payout leaves, and the spread applied depending on whether the asset is stable or volatile.

Any pitfall to know about SPEI?

The last CLABE digit is a checksum: we verify it before confirming the order, which eliminates typos but not a valid CLABE belonging to someone else.