Capa fi alternative for payouts funded from your wallet
Unigox is a Capa fi alternative for apps that pay their own verified customers by bank or mobile money from a USDT or USDC wallet, one order per payout. Keep Capa for ramps in Mexico and the Dominican Republic.
When to stay with Capa
Your users bank in Mexico or the Dominican Republic
Capa's crypto ramps run in MXN and DOP. Each verified Mexican user gets a permanent CLABE for SPEI deposits, MXN payouts under 50,000 MXN take about two to three minutes, and DOP payouts go to the Dominican banks on Capa's list.
You convert pesos, dollars and euros without crypto
A Capa cross-ramp turns MXN, DOP, USD or EUR into another of the four and delivers it to a Mexican, Dominican, US or SEPA bank account. Every Unigox Payments API order settles on your side in USDT or USDC.
You settle large MXN orders days after the quote
For MXN orders above 50,000 MXN, a Capa quote can lock the current rate and settle up to four days later, once Capa enables forwards for your account.
How Capa and Unigox fund a customer payout
| Topic | Capa | Unigox |
|---|---|---|
| What it is | A 24/7 FX and payments platform for Latin America, used by API, SDK or dashboard: crypto on and off-ramps in pesos, and fiat-to-fiat cross-ramps. | Local payouts to your customers' bank or mobile money accounts and collections from them, with your side of each order in USDT or USDC. |
| Currencies | Its on-ramp and off-ramp guides list MXN and DOP. USD and EUR are documented as fiat-to-fiat cross-ramps. | Bank and mobile money payouts in the currencies agreed for your markets on the setup call. A payment business connected to Unigox or a P2P merchant makes each payment, and a quote can be limited to payment businesses. |
| Funding a payout | Each off-ramp returns the user's own Capa wallet address. USDC or USDT sent there is sold and paid to the user's bank account, and any surplus stays in that user's wallet. In Mexico, a CLABE that fails the penny test cancels the order and returns the crypto. | One order, funded from the USDT or USDC in your partner wallet. Your server signs the transfer into on-chain escrow; if the payout stops, the funds wait in escrow until your server signs the refund back to the wallet. |
| Your margin | An optional premium spread on the exchange rate, set on the quote; Capa pays the revenue out at the end of each month. | Your percentage fee, shown on every quote and paid to your partner wallet when each order completes. |
| Pricing and quotes | No public price list; fees are stated on each quote. A locked quote lasts 10 seconds, and orders outside Monday to Friday, 8:00 to 15:00 CST, carry an extra spread. | No single rate: the Unigox fee depends on the currency and payment method, and each quote lists it next to the rate. A quote is valid for 60 seconds, and an order that does not complete costs nothing. |
| Getting started | A sandbox API key from sandbox.capa.fi with no onboarding; production keys come from the partner dashboard once Capa has onboarded your company. | A call to agree markets, then company verification; sandbox and production keys follow approval. |
| Regulation | Run by Dihedato, S.A.P.I. de C.V. in Mexico, registered with the SAT as a vulnerable activity under the anti-money-laundering law. Its Terms say it is not supervised by the CNBV or Banco de México. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove Capa off-ramps to the Unigox Payments API
List the Capa off-ramps that pay customers
On a call, name the Capa off-ramps that pay your own customers and the currencies they use. Then send company documents through unigox.com/business; your Capa onboarding does not transfer.
Replace per-user deposits with one wallet
Where your system sends USDC or USDT to the address each Capa off-ramp returns, keep USDT or USDC in the partner wallet instead and create one Unigox order per payout, signed by your server. Run it in the sandbox first.
Re-verify customers and move your margin
Each customer passes the Unigox identity check by link, by document and selfie, or by reusing an eligible Sumsub or Persona check. Set your fee on the quote where Capa's premium spread used to sit.
Questions about Capa fi alternatives
What is a Capa fi alternative for stablecoin payouts?
Unigox, for an app that holds USDT or USDC and pays its own verified customers by bank or mobile money: each payout is one order funded from the partner wallet, with your fee paid to that wallet when it completes. For MXN and DOP ramps and fiat-to-fiat transfers, Capa remains the fit.
What does Capa fi do?
Capa, at capa.fi, gives fintechs and payment companies an API, SDK and dashboard to buy and sell USDC and USDT for Mexican and Dominican pesos and to convert between MXN, DOP, USD and EUR without crypto. It is run by Dihedato, S.A.P.I. de C.V., a Mexican company.
Which stablecoins and networks does Capa fi support?
Its docs list USDC and USDT on Polygon, USDC on Ethereum and Solana, and USDT on BNB Smart Chain for transactions over 50,000 MXN. With the Unigox Payments API your side of every order is USDT or USDC held in the partner wallet.
How does Capa fi charge for a transaction?
Capa publishes no price list: its Terms say the fees for each operation are stated on the quote and deducted from the funds received, and orders outside its Monday to Friday market hours carry an extra spread. A Unigox quote lists the Unigox fee, your own fee and the total before the order.
Bring us one Capa off-ramp to price
Send the currency, amount and payout account type of a recent Capa off-ramp to one of your customers. On a call we set a Payments API quote beside it, with the Unigox fee and your own fee shown.
Capa and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.