Félix
Send dollars home over WhatsApp; stablecoin rails under a chat interface.
Chat-based remittances on stablecoin rails.
- Who holds it
- A sponsor bank behind the brand — not the app you signed up with — US money transmitter — state licenses (NMLS 2302775); agent of UniTeller/Intermex; USDC rails via Bitso.
- The ledger
- Split between a program manager and the sponsor bank — the modular setup that broke in Synapse.
- If it fails
- Any claim runs through the sponsor bank, and only works if the two ledgers reconcile.
Derived from Félix’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | hybrid · immigrants & migrants |
| AI | AI assistant as the interface |
| HQ | Mexico City, MX |
| Founded | 2022 |
| Custody | Custodial |
| Regulation type | Partner-bank model |
| License detail | US money transmitter — state licenses (NMLS 2302775); agent of UniTeller/Intermex; USDC rails via Bitso |
| Card | No card |
| Stablecoins | Yes |
| KYC | Yes |
| Active regions | Latin America |
| Founders | Manuel Godoy |
| Funding | ~$45M raised |
Verified links: official site ↗
Common questions about Félix
What is Félix?
Félix is a fiat-and-crypto neobank built for immigrants & migrants, headquartered in Mexico City, MX and founded in 2022. Your money is held custodially, so Félix or its partner bank holds the balance and you hold a claim on it. It operates on a partner-bank model (US money transmitter — state licenses (NMLS 2302775); agent of UniTeller/Intermex; USDC rails via Bitso).
Does Félix have a card, and where can you use it?
It issues no card of its own. It is available in Latin America.
Does Félix require KYC?
Yes. Félix requires identity verification (KYC) to open an account, as a partner-bank model.
Peers
Revolut · Mercado Pago · Crypto.com · Binance Card · Bybit Card · OKX Card
Félix appears in
Neobanks running on someone else’s banking license (81) · Neobanks available in Latin America (113) · Neobanks for immigrants and migrants (9) · Neobanks with no card of their own (67) · Neobanks in Mexico (11)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.