Cross-Border Operating Layer

Operate US–Mexico business without cross-border friction.

Pay carriers in hours. Move funds globally. Hire and pay teams compliantly, all on trusted rails.

Schedule a Call

<24hr

Carrier settlements

24/7

USD → MXN conversions

0.5%

FX spread from

100%

Digital onboarding

<24hr carrier settlements USD → MXN conversions 24/7 Regulated banking partners SPEI · ACH · SWIFT · Wire 0.5%–1% FX spreads 100% digital onboarding Multi-currency treasury Audit-ready compliance <24hr carrier settlements USD → MXN conversions 24/7 Regulated banking partners SPEI · ACH · SWIFT · Wire 0.5%–1% FX spreads 100% digital onboarding Multi-currency treasury Audit-ready compliance

The Problem

Cross-border operations are slow, fragmented, and risky.

Cash flow delays

Customers pay in 30–60 days. Carriers want money now.

Compliance complexity

Different rules. Different rails. Hidden exposure.

Infrastructure burden

Banks, FX providers, stablecoins, payroll tools, stitched together manually.

Most companies duct-tape the system. Coba orchestrates it.

How It Works

One operating layer for US–Mexico commerce.

Connect to trusted rails

We integrate regulated banking and stablecoin partners into a unified workflow.

Orchestrate money movement

FX routing, approvals, payouts, and reporting in one place.

Produce audit-ready records

KYB, compliance checks, logs, reconciliations, built in.

Quick Pay

Start by fixing time-to-cash.

Turn approved invoices into carrier payouts in hours, not weeks.

Cross-border USD/MXN payouts
Transparent fee structure
No need to build internal financing ops
Designed for brokers and cross-border logistics

See how Quick Pay works

Payment Dashboard Live

#INV-2847

Transportes Norte S.A.

Approved

Amount $248,500 MXN

Processing payout... Paid • 4 hrs

Paid today

<4h

Avg time

Float needed

Full Platform

Then unlock the full operating stack.

Move funds globally

Receive and send worldwide through regulated partner accounts.

Hire and pay LATAM teams

Compliant onboarding and cross-border payroll workflows.

Close Mexican tax reporting

Help freelancers report international income properly.

Embed USD/MXN rails

Unified API across banking and stablecoin infrastructure.

Different entry points. One cross-border system.

Real Results

Built for real cross-border operators.

Carrier payment cycle reduced from 30 days to <24 hours

USD/MXN routing across banking and stablecoin rails

Compliance artifacts retained and exportable

Multi-partner redundancy across rails

Built on Trust

Infrastructure without the regulatory guesswork.

Coba is a technology and workflow platform. Regulated banking services are provided by licensed partners. We orchestrate the rails so you can focus on operating.

Clear partner role separation

Transparent fee model

Audit-ready documentation

Built specifically for US–Mexico commerce

Cross-border doesn't have to mean chaos.

Talk to our team

Banking services provided by regulated partners. Coba does not hold customer deposits.