Provider at a glance
- Category
- Crypto Remittances
- Entity
- Not verified
- Official website
- felixpago.com
Independent rankingchecked How it works
Details
Scored 78 out of 100 under methodology 2026.10.18, from the evidence read in October 2026.
Félix Pago
WhatsApp remittances to Latin America
Crypto Remittances
#2 Overall
Ranked #2 of 7 crypto remittances in the published ranking
78
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is Félix Pago right for you?
Right for you if these matter most
- Corridor Proof and Payout Method10/10, the category best
- Recipient Burden10/10, the category best
- Payout Partner and Two-Leg Regulatory Exposure9/10, the category best
Look elsewhere if these come first
- Delivered Value at USD 2006/10 here; Morse (formerly Sling Money) scores 9
Not yet tested for your country. Markets it lists: United States, Latin America.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best remittance corridor shows where it lands for you.
What will Félix Pago cost you?
Not priced on this basis
- Your monthly volume
- $1k
How safe is Félix Pago?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read October 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to Félix Pago
Compare all 4- 1Morse (formerly Sling Money)3 points above · stronger on delivered value (9 against 6)81
- 3Remitly (stablecoin rails)5 points below · stronger on delivered value (8 against 6)73
- 4Strike Send Globally9 points below · weaker on delivered value (3 against 6)69
For your setup
Find out if Félix Pago fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Félix Pago lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best remittance corridorNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Félix Pago ranks #2
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (26.9 here) sit inside the score; availability, friction, trust record and measured data add the rest. Best in this ranking on 3 of 4.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
356+6.725.09#3/7Loading evidence…
2510+8.007.010#1/7Loading evidence…
2210+7.048.010#1/7Loading evidence…
189+5.187.09#1/7Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−3behind Morse (formerly Sling Money), #1
RobustnessHoldsacross a one-point change to each of its 4 criterion scores, the re-run scores 76–80 and stays #2
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Félix Pago’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Delivered Value at USD 200 6 → 8 on its ladder · passes Morse (formerly Sling Money)+281#2 → #1
Delivered Value at USD 200 6 → 3 on its ladder · Remitly (stablecoin rails) passes it−372#2 → #3
Corridor Proof and Payout Method 10 → 6 on its ladder · Remitly (stablecoin rails) passes it−472#2 → #3
Recipient Burden 10 → 5 on its ladder · Remitly (stablecoin rails) passes it−572#2 → #3
Smallest climb: delivered Value at USD 200 6 → 8 passes Morse (formerly Sling Money), #1.
Strengths
3 from the score dataWhere it leads
Best for readers who weight
- Corridor Proof and Payout Method — 10/10, the category best
- Recipient Burden — 10/10, the category best
- Payout Partner and Two-Leg Regulatory Exposure — 9/10, the category best
Tradeoffs
1 from the score dataWhere it trails
Not for readers who put first
- Delivered Value at USD 200 — 6/10 against a category best of 9/10
Record watch-outs
- Weighted score 8.42/10 (delivered_value 6 x 0.35, corridor_proof 10 x 0.25, recipient_burden 10 x 0.22, payout_partner_regulatory 9 x 0.18) — unchanged after verification. Two things a reader must hold in mind. First, the cost is NOT the advertised fee: as a returning customer sending USD 200 to Mexico on 2026-09-28 the $2.99 bank fee is only 39% of the true cost — the unadvertised 2.30% FX margin (17.39 pesos per dollar against a 17.7987 mid) adds 4.59 on 200, taking the all-in to 3.79%, and cash pickup to 4.79%. The number a first-timer sees ("No fee on your first transaction", a "Promotional exchange rate" of the base rate divided by 0.965, plus a -$10 discount and +$10 bonus) is a promotion, is capped ("*Valid up to $…"), and is not the price of the second transfer. There is no cheaper standing tier: Félix Plus costs "$20.00 per month" and buys 0%-APR SNPL loans and priority support, not a better rate. Second, the blockchain rail is invisible on every sender-facing surface: blockchain, stablecoin, USDC, Stellar, Bitso and Bridge appear nowhere on the homepage, the Mexico corridor page, the licences page, the terms of use or "What is Félix" (the only apparent USDC hits in the markup are the JavaScript identifiers getUsdCapForCalculator and applyUsdToAmountPair). The sole vendor-surface acknowledgement is a newsroom card headed "Stripe Tour 2025" whose body reads "Félix, fintech líder en remesas con IA y stablecoins…". On which rail is current, Stripe's customer story states "For currency conversion and liquidity management, Félix also uses Bridge, a Stripe company, to offer stablecoins in its transactions. Bridge's infrastructure ensures USDC and USD liquidity to process transactions.", and dLocal's release of November 13, 2025 says Félix "funds transfers in USD Coin (USDC), and dLocal delivers the money in local currency" in Mexico, Guatemala, Honduras and El Salvador. The Circle/Stellar/Bitso account is the 2022-era rail: Stellar's own case study dates that partnership to early 2022 and Circle's cites 2022 remittance data — though Circle's "$4.98 to $2.99, providing 40% savings" claim still matches the published fee table exactly. Scope is clean: payer and payee are different people, payout is local currency to a named relative, and this is not an offramp, onramp, payroll, P2P marketplace or B2B payout API.
Competitive position
Where Félix Pago leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#5 / 711.0 of 20 · best 14.0
Published criteria#1 / 720.2 of 30 · pool best
Friction#1 / 72.7 of 10 · constant here
Trust record#1 / 73.2 of 8 · constant here
Measured data#1 / 78.3 of 18 · constant here
Where Félix Pago leads
- Delivered Value at USD 200#3 / 7
- Corridor Proof and Payout Method#1 / 7
- Recipient Burden#1 / 7
- Payout Partner and Two-Leg Regulatory Exposure#1 / 7
Where it trailsNo criterion in the bottom third of its pool.
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
Morse (formerly Sling Money)#1 of 7 · score 81 · 3.0 points ahead
Félix Pago leads on
- Corridor Proof and Payout Method10 vs 9
- Recipient Burden10 vs 8
- Payout Partner and Two-Leg Regulatory Exposure9 vs 7
Morse (formerly Sling Money) leads on
- Delivered Value at USD 2009 vs 6
Largest single reason Morse (formerly Sling Money) is ahead: availability (+2.6 display points).Scenario cost: Morse (formerly Sling Money) has no verified pricing for this scenario.
Remitly (stablecoin rails)#3 of 7 · score 73 · 5.0 points behind
Félix Pago leads on
- Corridor Proof and Payout Method10 vs 7
- Recipient Burden10 vs 3
- Payout Partner and Two-Leg Regulatory Exposure9 vs 6
Remitly (stablecoin rails) leads on
- Delivered Value at USD 2008 vs 6
Largest single reason Félix Pago is ahead: published criteria (+13.3 display points).Scenario cost: Remitly (stablecoin rails) has no verified pricing for this scenario.
Strike Send Globally#4 of 7 · score 69 · 9.0 points behind
Félix Pago leads on
- Delivered Value at USD 2006 vs 3
- Corridor Proof and Payout Method10 vs 6
- Recipient Burden10 vs 8
Strike Send Globally leads onNo scored criterion
Largest single reason Félix Pago is ahead: published criteria (+17.7 display points).Scenario cost: Strike Send Globally has no verified pricing for this scenario.
Against the leader
81 vs 78 · gap 3.0Why Morse (formerly Sling Money) ranks above Félix Pago
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 3.0 to within rounding.
DimensionThisMorse (formerly Sling Money)Gap share
Availability · 23% weight11.012.0−2.6, worse
Published criteria · 35% weight20.220.2same
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight · constant here8.38.3same
Published criterionThisMorse (formerly Sling Money)Points
Delivered Value at USD 200 · w3569−3.36, worse
Corridor Proof and Payout Method · w25109+0.80, better
Recipient Burden · w22108+1.41, better
Payout Partner and Two-Leg Regulatory Exposure · w1897+1.15, better
Net7881−3.0
Your scenario
Félix Pago is not priced for this scenario
Transfer spread on your volume for a year. Excludes network gas and any withdrawal fee. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Your monthly volume · your input$1k
Rate read from the provider’s published pricing ↗ on 28 October 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 7 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
7 of 7 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 28 October 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessHoldsrank #2 across every one-point re-run
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 28 October 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
Delivered Value at USD 200strength 6 · weight 35Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Corridor Proof and Payout Methodstrength 10 · weight 25Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Recipient Burdenstrength 10 · weight 22Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Payout Partner and Two-Leg Regulatory Exposurestrength 9 · weight 18Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Regulatory failure (Félix Pago 9/10): no licence where you are, or a forced market exit.Scored by Payout Partner and Two-Leg Regulatory Exposure · 18%
- Execution failure (Félix Pago 10/10): you get a worse price, later, or nothing.Scored by Corridor Proof and Payout Method · 25%
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: Delivered Value at USD 200 (35%), Recipient Burden (22%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- From https://
www .felixpago .com /en /send-money /mexico (fetched 28 October 2026, HTTP 200): "Transfers to bank accounts $2.99 USD", "Cash transfers to stores $4.98 USD", "Félix fees are subject to change." and "To send money to a bank account in Mexico, you pay a fee starting at $2.99 USD. You will always be able to see the cost before transferring." On the rate the page says only "The exchange rate may vary throughout the day." The public rate feed the calculator reads (https:// fx-engine .prod .fpago .com /v1 /public /rates, 28 October 2026) gave MXN base 18.37 and a first-transfer promotional 19.04. Our arithmetic, USD 200 to a Mexican bank account, returning customer: fee 1.50% plus a 1.40% to 1.66% margin against the day's references (ECB 18.6311; open.er-api.com 18.673405; Felix's own tradfi_fv 18.68) is about 2.9% to 3.2% all-in.Félix Pago — official page at www.felixpago.com ↗ · 28 October 2026 - Prices published in
- USDFélix Pago — official page at www.felixpago.com ↗ · 28 October 2026
- Licences held
- United States: Registration / authorisation
- Compliance level
- partial
- Regulatory note
- Re-verified 12 August 2026. Sender leg: the site-wide footer states character-exact "Felix Technologies is an authorized agent of UniTeller, Intermex and Spectrum Global Payment Solutions, Inc. (Transnetwork) NMLS 937914, in addition to other licensed money transmitters for part of its services. Felix Technologies Inc. is a money transmitter licensed in certain U.S. states (NML ID #2302775)."
- Supported chains
- US -> Mexico (bank, cash pickup at 50,000+ locations, wallet: Mercado Pago / Cuenta Nu / Spin by Oxxo), US -> Guatemala (bank, mobile wallets, cash pickup; 5,000+ locations), US -> Honduras (bank, cash; tiered fees from $5.99), US -> El Salvador (bank, cash; USD payout), US -> Dominican Republic (bank, cash; USD or DOP), US -> Colombia (bank, cash), US -> Nicaragua (bank, cash; USD), US -> Ecuador (bank, cash; USD), US -> Peru (bank / caja municipal / financiera deposit, 25+ institutions; vendor help article states deposit-only, though the calculator config also carries a Peru cash fee rule), US -> Costa Rica (bank, cash; CRC or USD), US -> Brazil (Pix; live on 28 September 2026 at /en/send-money/brasil: "Send money to Pix accounts in Brazil with no fees. You only pay the 0.38% IOF tax."; no per-institution pages yet)
- Markets served
- us, latam
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- Not published
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Félix Pago: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
9 methodology entries
- 28 October 2026Current verified snapshot · methodology 2026.10.18Score 78, #2 of 7. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
- 16 September 2026
2026.09.15Dimension scores carry tenths, and eleven more categories are re-read from primary sources · platform-wide- changed Dimension scores resolve to tenths of a point (O-04b), and weightedTotal is rounded to six decimal places before the order is read. 518 published scores move across 107 categories that were not re-read; none of them moves by more than 4 points, and most move by 1.
- fixed 66 published scores change in the eleven re-read categories, against a verbatim source each. The largest moves are Reflexer RAI (−16), Beefy and Unrekt (−11), Aztec (−10) and Golem (+9) — all of them rows whose sources had moved since their last read.
- changed Published order moves in 38 of 119 categories and three #1s change: smart_contract_audits (Zellic → Certora) and travel_rule_compliance (Sumsub Travel Rule → CodeVASP) on the finer resolution, kyc_compliance (Veriff → Sumsub) on the re-read.
- added availabilitySource (O-04g): for a reader who states a country, a row whose availability in that country rests on a region tag its record gives no source for sorts below every sourced row. It is inert in every order published here, which states no country.
Methodology 2026.10.18, the same published run every visitor sees · receipt remittances:felix_pago:2026.10.18:1308ddf65bf7
Are you Félix Pago? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.