Felix

Félix (operated by Felix Technologies Inc., felixpago.com) is a cross-border money transfer service that lets users in the United States send remittances to Latin America entirely through WhatsApp, without downloading a separate application. Senders start a chat, specify the amount, recipient and payment method, and pay by debit or credit card online or with cash at physical store locations. Recipients collect funds in local currency via bank deposit, digital wallet, or cash pickup at partner stores; the company states bank deposits arrive immediately and in-store pickups the following day, with support available 24/7 in Spanish. Destination markets listed on the site are Mexico, Guatemala, Honduras, El Salvador, Colombia, Ecuador, Peru, Nicaragua, Costa Rica, the Dominican Republic and Brazil (via PIX).

Alongside its consumer service, Félix runs a business line offering payment and remittance infrastructure to partners. It provides an embeddable "Send" button and API for U.S. financial institutions and fintech platforms to offer cross-border remittances natively, a "Request" flow for Latin American platforms to let users initiate remittance requests, and integrations with infrastructure providers covering payments, delivery, settlement and compliance. According to its careers profile, the core product is an AI-powered WhatsApp chatbot, and the company describes using AI, blockchain and stablecoins in its cross-border payments stack while positioning itself as building a broader financial ecosystem for Latino immigrants in the U.S., including lending and card issuance workstreams reflected in open roles.

Business model

Consumer remittances sold direct to migrant senders in the U.S., complemented by a B2B/infrastructure line in which partner platforms embed Félix send or request flows through its API and Félix handles messaging, compliance and delivery.

Transfer fees on remittances plus foreign exchange spread; the site advertises promotional exchange rates, a free first transaction, a $10 first-time discount, a $10 welcome bonus and a $20 referral reward per new user who completes a first transfer.

Traction

More than 300,000 Latino migrants reported using the service to send money home from the U.S.; the company reports roughly 343 employees and dozens of open roles across product, fraud and operations.