Felix built a remittance product that lives entirely inside WhatsApp, processing over $5 billion for more than one million users across Latin America. As volume scales, Felix is adding Tempo to its settlement infrastructure for predictable fees, sub-second finality, and dedicated capacity for payment flows. Learn more in the full case study →
Cross-border remittances remain one of the most expensive and inconvenient financial services in the world. Senders visit storefronts, pay steep fees, and wait days for money to arrive. More than half of transfers in Latin America still happen at physical locations. For the families who depend on these payments, every dollar lost to fees and delays is a dollar that does not arrive.
Felix is changing how remittances work. Through an AI-powered chatbot on WhatsApp, users in the US tell Felix how much to send and where, pick a payment method, and the recipient in Latin America receives local currency in their bank account within seconds. No app download, no storefront, no crypto terminology. Felix currently serves nine corridors across Mexico, Central America, and the Caribbean, charging a flat $2.99 for the majority of transfers.
Felix and Tempo
Behind the scenes, Felix settles through stablecoins. The sender pays in dollars, Felix converts to stablecoins for settlement, and the recipient receives local currency on the other end. Neither side ever touches crypto. This architecture is what makes the $2.99 fee possible at scale.
As Felix has grown past one million users and $5 billion in cumulative volume, building redundancy across critical infrastructure has become a priority. Felix is adding Tempo to its settlement layer because Tempo was purpose-built for exactly this kind of high-volume payment flow.
As we scale, we’re intentional about building redundancy across our settlement infrastructure. Tempo adds a settlement layer purpose-built for payments, which is important for a real-time remittance product like ours.
— Hugo Rodriguez, Associate Director of Strategy, Felix Pago
Why Tempo
Tempo is purpose-built for stablecoin payments at scale. For a product that commits to a flat consumer fee and promises delivery in seconds, several capabilities matter.
Predictable transaction fees keep settlement costs low regardless of network load. There are no gas auctions and no fee spikes during high-traffic periods. For a business running on thin margins at high volume, cost predictability is a prerequisite.
Dedicated payment lanes reserve blockspace at the protocol level for payment transactions. A surge in trading or other on-chain activity never affects payment throughput or latency.
Sub-second finality means transactions finalize in under a second with deterministic settlement. When a user sends money through WhatsApp and expects it to arrive instantly, the settlement layer has to keep that promise every time.
What this means
Felix is starting with its existing remittance corridors across Mexico, Central America, and the Caribbean. Lower, more predictable settlement costs give Felix room to reinvest in growth or pass savings back to senders as lower fees.
The US-to-Latin America remittance corridor moves hundreds of billions of dollars a year, and the shift from cash to digital is still early. Tempo is the settlement layer making it work at scale.
