Solution · Mexican pesoCollect and pay in pesos, over the local rail.
Your customer pays over SPEI, the rail they already use every day, and the amount settles at home in minutes. The reverse path pays Mexican suppliers from home. This corridor has no named account: it moves money both ways, with nothing to open in Mexico.
MexicoSPEI · MXN
BrazilPIX · BRL BrazilPIX · BRL MexicoSPEI · MXNSee the real exchange rate before you open an account.
The rate below is the commercial one — the same you can check on any market screen. A 1.5% processing fee applies to the amount that goes in — negotiable by volume — and that is all. There is no hidden spread baked into the rate, which is exactly where banks charge what never shows up on the invoice.
- Commercial rate
- —
- Lexxen processing fee (1,5%, negotiable by volume)
- − 150.00 BRL
- Final amount
- —
Market rate, refreshed every 30 seconds. In a real operation the rate is locked on screen and only then you confirm — what you see is what gets executed. The 1.5% is the list fee: high volume has its own terms, agreed in contract.
Collecting from Mexico usually stalls at the account: your customer there only pays locally.
A Mexican company pays over SPEI, which is instant and cheap inside Mexico — and does not reach a Brazilian account. The traditional path forces your customer into an international transfer they rarely make, with instructions in another language, intermediary bank fees and timing nobody guarantees. In practice, you become your own customer’s finance support desk.
Pesos come in over SPEI. Reais go out over PIX.
The Mexican customer pays over SPEI, the rail they already use every day, with no international instructions and no intermediary bank. The amount converts at the rate you locked on screen and lands in your account at home. The same corridor runs in reverse to pay suppliers in Mexico. This corridor does not issue a named account: it moves money both ways, in minutes.
The operation, step by step.
Nothing to open in Mexico
No incorporation, no local partner, no address in the country. This corridor also does not issue a named account: money moves over the local rail in both directions.
Your customer pays over SPEI
They get an ordinary Mexican account and pay as they pay any local supplier — no international instructions, no intermediary bank.
Rate locked on screen
You see the commercial rate and the fee before confirming. What you see is what gets executed.
PIX into your account
Reais land in your company account in Brazil over the local rail, 24 hours a day, weekends included.
It all runs on its own.
No ticket to open, no email to the desk, nobody processing anything on the other side. The money arrives through the local rail, conversion runs automatically at the rate you locked on screen, and it leaves through the local rail at the destination. The desk is there for high volume and for exceptions — not for the everyday.
Minutes, not business days.
This corridor uses the local rail at each end — SPEI on one side, PIX on the other. Both settle in minutes and run 24 hours a day, weekends and either country’s holidays included. Nothing here waits for a banking window to open: the timing is the rail’s, not the bank’s opening hours.
Pay and get paid in minutes, over the local rail.
This corridor runs both ways — you collect from your customer and pay your supplier over the country’s domestic rail, with the rate locked on screen before you confirm. There is one difference from Europe, the United States and the United Kingdom: there is no named account here, so the receipt does not carry your company’s name.
Both directions
Collecting from a customer and paying a supplier use the same corridor. The direction changes; the rail and the timing do not.
Minutes, not days
The country’s local rail settles in minutes, 24/7, like the rest of the network. No banking window in the middle.
No account in your name
We do not issue a named account on this corridor. If your case requires the payer to see your company name on the destination account, the right corridor is euro, dollar or pound.
Not sure which corridor fits your case? Talk to the desk before opening an account.
What changes in your operation.
The difference on every remittance.
| Traditional FX | With Lexxen | |
|---|---|---|
| How the customer pays | International transfer, with instructions they do not master | SPEI, the rail they already use every day |
| Timing | 2 to 5 business days, no guarantee | Minutes, 24/7 |
| Rate | Spread baked in, known afterwards | Commercial on screen, locked before you confirm |
| Hidden cost | Intermediary bank fees along the way | Explicit 1.5% fee, negotiable by volume |
| Direction | Each direction is a different process at the bank | One corridor for collecting and for paying |
What that is worth by the end of the year.
Compare total cost, not the quoted rate alone. The difference shows up in the sum of spread, tax and fees.
| Traditional bank | With Lexxen | |
|---|---|---|
| Spread on the rate | 3% to 4%, baked into the quote | 0% — the rate is the commercial one |
| FX tax (IOF, Brazil) | 0.38% per transfer | Does not apply |
| Transfer and intermediary bank fees | R$100 to R$250 per operation, plus USD 15 to 40 along the way | None |
| Processing fee | — | 1.5%, negotiable by volume |
| Timing | 1 to 3 business days | Minutes, 24/7 |
With a 3.5% spread and 0.38% tax, the traditional path costs around R$38,800 a year before fixed fees. On the same volume, Lexxen’s 1.5% comes to R$15,000. That is roughly R$23,800 left in the company — and above R$30,000 once per-transfer and intermediary bank fees are counted.
Calculated on the assumptions above, for comparison. Your own number depends on the spread your bank charges today, your average ticket and how many transfers you make.
Built for those who move money across borders.
Companies with customers in Mexico
Companies invoicing in pesos that need revenue in reais with a documented rate on every transfer.
B2B service exporters
Service providers that want to remove friction for the Mexican payer by using their local rail.
Recurring peso operations
Monthly operations that need to reconcile customer, contract and FX without a parallel spreadsheet.
Does your company need to collect from Mexico without depending on the customer’s bank?
Tell us the volume, the recurrence and who pays on the other side. The desk designs the MXN ↔ BRL corridor with the rate and the timing in writing.
Either way you fill in the same form: it is how the desk arrives already knowing your corridor, volume and timing.