Modern money movement between Mexico, the U.S., and the world
Coba Infrastructure gives you API-based access to local banking rails in Mexico and the U.S., plus global accounts and payouts—so you can embed financial flows without becoming a bank.
You shouldn’t have to build infrastructure just to move money
Whether you’re entering Mexico or expanding your product with fintech features, building reliable fund flows is expensive, regulated, and takes years.
Coba provides two plug-and-play infrastructure layers so you can launch faster—with full control, clear compliance, and global reach.
Two infrastructure layers. One API.
Zero friction.
We provide a RESTful API with embedded onboarding, real-time webhooks, a powerful FX engine, and reconciliation-ready event logs—everything you need to build and scale financial operations seamlessly.
Layer 1 — Local Rails: USD ⇄ MXN
Banking infrastructure between the U.S. and Mexico—without a local entity.
Move money between USD and MXN via local ACH and SPEI rails, with full FX control, traceability, and event-based logic compliantly through a single API.
Coba gives you the ability to:
- Disburse MXN payments to recipients in Mexico (via SPEI).
- Receive and hold funds in both currencies
- Trigger FX conversion when it makes sense.
- Maintain audit trails and compliance logic via API
Use cases:
- Global Fintechs expanding to Mexico
- Wallets and apps needing local settlement
- Marketplaces paying out to Mexican vendors
- Cross-border Payroll.
Layer 2 — Embedded Global Accounts
Offer fintech-like experiences without building financial infrastructure.
We give you access to multi-currency, virtual accounts (USD, MXN, EUR), with full support for global pay-ins and pay-outs, all through a single API.
Let your customers:
- Receive payments in multiple currencies
- Hold balances in USD, MXN, or EUR
- Make global transfers with integrated FX
- Operate like a fintech—without becoming one
Use cases:
- SaaS platforms
- ERPs or B2B tools
- Marketplaces
- Platforms needing global reconciliation and payouts
Start building with infrastructure that understands how money moves across borders.
Coba gives you real connectivity between the U.S., Mexico, and the world—without needing licenses, bank relationships, or a dedicated compliance team.
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