MXN integration guide

On and offramp with MXN using SPEI (Sistema de Pagos Electrónicos Interbancarios)

To access MXN and the SPEI payment rail, please reach out to our team at [e-mail]

🇲🇽 What we support

• Virtual Accounts - Deposit MXN via SPEI and receive payments from 3rd party businesses.
• Transfers - Onramp MXN via SPEI as a 1st party or from 3rd party businesses, offramp to any recipient.
• Liquidation Addresses - Offramp from stablecoin or crypto to MXN via SPEI.
• Supported Countries - We support MXN on/offramps for customers in +100 countries.

Related APIs

• SPEI Endorsement required to use the MXN currency and SPEI payment rail.
• Create an MXN Virtual Account to onramp funds using a unique CLABE number.
• Create an MXN External Account to use as a Transfer or Liquidation Address offramp destination.

Transaction Minimums, Limits, Times

• Refer our route explorer here.
• No maximum
• 1st and 3rd party payins and payouts supported
• SPEI operates 24/7 and settles in seconds

Request / Response Examples

External Account

Request

curl --request POST \
  --url https://api.bridge.xyz/v0/customers/#{request.customer_id}/external_accounts \
  --header 'Api-Key: #{api_key}' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: #{request.idempotency_key}' \
  --data '
{
  "currency": "mxn",
  "bank_name": "BBVA Mexico",
  "account_owner_name": "First Last",
  "first_name": "First",
  "last_name": "Last",
  "account_owner_type": "individual",
  "account_type": "clabe",
  "clabe": {
    "account_number": "012180015300000000"
  },
  "address": {
    "street_line_1": "Paseo de la Reforma 510",
    "city": "Ciudad de Mexico",
    "state": "CMX",
    "postal_code": "06600",
    "country": "MEX"
  }
}'

Response

{
  "id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1",
  "customer_id": "485c2b50-949c-412b-928a-f56fce42330d",
  "created_at": "2026-01-05T23:54:57.715Z",
  "updated_at": "2026-01-05T23:54:58.201Z",
  "bank_name": "BBVA Mexico",
  "account_name": null,
  "account_owner_name": "First Last",
  "active": true,
  "currency": "mxn",
  "account_owner_type": "individual",
  "account_type": "clabe",
  "first_name": "First",
  "last_name": "Last",
  "business_name": null,
  "clabe": {
    "last_4": "0000"
  },
  "address": {
    "street_line_1": "Paseo de la Reforma 510",
    "city": "Ciudad de Mexico",
    "state": "CMX",
    "postal_code": "06600",
    "country": "MEX"
  }
}

Virtual Account

Request

curl --request POST \
  --url https://api.bridge.xyz/v0/customers/#{request.customer_id}/virtual_accounts \
  --header 'Api-Key: #{api_key}' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: #{request.idempotency_key}' \
  --data '
{
  "developer_fee_percent": "0.0",
  "source": {
    "currency": "mxn"
  },
  "destination": {
    "currency": "usdc",
    "payment_rail": "base",
    "bridge_wallet_id": "#{request.bridge_wallet_id}"
  }
}'

Response

{
  "id": "65e93b85-ccf7-4c0b-a327-0cf80749e360",
  "status": "activated",
  "developer_fee_percent": "0.0",
  "customer_id": "485c2b50-949c-412b-928a-f56fce42330d",
  "created_at": "2026-01-03T00:23:23.724Z",
  "source_deposit_instructions": {
    "currency": "mxn",
    "clabe": "646180115400000007",
    "account_holder_name": "Bridge Building S.A. de C.V.",
    "bank_name": "STP",
    "deposit_message": "BRGTPU5UDJWN4KW5PJM6",
    "payment_rails": [
      "spei"
    ]
  },
  "destination": {
    "currency": "usdc",
    "payment_rail": "base",
    "address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
  }
}

Transfer Onramp

Request

curl --request POST \
  --url https://api.bridge.xyz/v0/transfers \
  --header 'Api-Key: #{api_key}' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: #{request.idempotency_key}' \
  --data '
{
  "developer_fee_percent": "0.0",
  "on_behalf_of": "#{request.customer_id}",
  "amount": "35.00",
  "source": {
    "currency": "mxn",
    "payment_rail": "spei"
  },
  "destination": {
    "currency": "usdc",
    "payment_rail": "base",
    "bridge_wallet_id": "#{request.bridge_wallet_id}"
  }
}'

Response

{
  "id": "6ccbd781-8859-4944-8d88-66d8a0ff277b",
  "client_reference_id": null,
  "state": "awaiting_funds",
  "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
  "currency": "mxn",
  "amount": "35.00",
  "developer_fee": "0.0",
  "source": {
    "payment_rail": "spei",
    "currency": "mxn",
    "external_account_id": null
  },
  "created_at": "2026-01-05T19:38:43.480Z",
  "updated_at": "2026-01-05T19:38:43.780Z",
  "destination": {
    "payment_rail": "base",
    "currency": "usdc",
    "to_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c"
  },
  "receipt": {
    "initial_amount": "35.00",
    "developer_fee": "0.0",
    "exchange_fee": "0.0",
    "subtotal_amount": "35.00",
    "gas_fee": "0.0"
  },
  "developer_fee_percent": "0.0",
  "source_deposit_instructions": {
    "payment_rail": "spei",
    "currency": "mxn",
    "amount": "35.00",
    "deposit_message": "BRGTPU5UDJWN4KW5PJM6",
    "clabe": "646180115400000007",
    "bank_name": "STP"
  }
}

Transfer Offramp

Request

curl --request POST \
  --url https://api.bridge.xyz/v0/transfers \
  --header 'Api-Key: #{api_key}' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: #{request.idempotency_key}' \
  --data '
{
  "developer_fee_percent": "0.0",
  "on_behalf_of": "#{request.customer_id}",
  "source": {
    "currency": "usdc",
    "payment_rail": "bridge_wallet",
    "bridge_wallet_id": "#{request.bridge_wallet_id}"
  },
  "destination": {
    "amount": "35.00",
    "currency": "mxn",
    "payment_rail": "spei",
    "external_account_id": "#{request.external_account_id}",
    "spei_reference": "concepto de pago" // maximum 40 characters, alphanumeric and spaces only
  }
}'

Response

{
  "id": "e94b1961-cf77-44db-a66f-07981f03fb1f",
  "client_reference_id": null,
  "state": "payment_submitted",
  "on_behalf_of": "485c2b50-949c-412b-928a-f56fce42330d",
  "currency": "mxn",
  "amount": "35.00",
  "developer_fee": "0.0",
  "source": {
    "payment_rail": "bridge_wallet",
    "currency": "usdc",
    "amount": "2.10",
    "from_address": "0xd0f43e6c8ee12ae4fe9d892c66c80dcb925f5d7c",
    "bridge_wallet_id": "d017bf1d-8372-4294-94ac-afd0cbc6357d"
  },
  "created_at": "2026-01-06T17:29:22.796Z",
  "updated_at": "2026-01-06T17:29:22.874Z",
  "destination": {
    "payment_rail": "spei",
    "currency": "mxn",
    "amount": "35.00",
    "external_account_id": "bce9dbe4-bca7-42e0-9cc1-7482069019f1",
    "tracking_number": "021180040900000001"
  },
  "receipt": {
    "initial_amount": "2.10",
    "developer_fee": "0.0",
    "exchange_fee": "0.0",
    "subtotal_amount": "2.10",
    "gas_fee": "0.0"
  },
  "developer_fee_percent": "0.0"
}