Koywe alternative for customer payouts from USDT
Koywe converts stablecoins to a local balance first, then pays out. A Koywe alternative for apps paying their own customers does it in one order, straight from your USDT or USDC wallet. Keep Koywe for supplier payouts, collections and treasury.
When to stay with Koywe
You pay suppliers and contractors in Latin America
A Koywe payout order pays suppliers, vendors, contractors or marketplace sellers by SPEI, Pix, Bre-B, a named CVU or bank transfer. It covers Mexico, Brazil, Argentina, Chile, Colombia, Peru and Bolivia. Unigox takes over only the payouts to your app's own customers, each verified by Unigox. Suppliers and other third parties are paid on a few routes agreed before integration.
Your treasury holds several Latin American currencies
Koywe keeps a balance per currency for each merchant, converts between them, and offers its Ramp for moving liquidity between subsidiaries such as Mexico and Colombia. Large USDC and USDT trades go through its OTC desk with a dedicated specialist.
You collect by PSE, Khipu or payment link
Koywe collects through payment links, checkout and QR, with PSE in Colombia, Khipu and card in Chile, Pix in Brazil and SPEI in Mexico. The Unigox Payments API takes collections by bank transfer or mobile money.
Koywe and Unigox for one payout to your own customer
| Topic | Koywe | Unigox |
|---|---|---|
| What it is | A treasury and payments platform for companies operating across Latin America: a USDC and USDT ramp, an OTC desk, local collections and payouts, used from a dashboard or an API. | Local payouts to your customers' bank or mobile money accounts and collections from them, settled in USDT or USDC in your partner wallet. |
| Who gets paid | Any contact you save with a bank account: suppliers, contractors, marketplace sellers or customer refunds. Argentine payouts go to named CVU accounts only. | Your own customer, verified by Unigox, paid to their bank or mobile money account. Supplier and other third-party payouts run only on supported routes agreed before integration. |
| Funding a payout | From your local-currency balance on Koywe. Top it up by bank transfer, or sell USDT or USDC in an off-ramp deal paid in full. The payout is a second order once the balance is credited. | One order per payout, funded from USDT or USDC in your partner wallet. Your server signs the transfer into escrow, and the refund if a payout stops. |
| Collections | Payment links, checkout and QR by local methods such as PSE, Pix, SPEI and Khipu, credited to your balance in the local currency. | Your customer pays by bank transfer or mobile money, and USDT or USDC lands in your partner wallet once the payment is confirmed. |
| Pricing | Its Chilean CMF disclosure says fees are agreed per client. Ramp trading fees are around the higher of 1.5% or USD 1, plus VAT; OTC fees are under 1.5% per trade. Both fall at higher volume. No published payout fee. | Set per currency and payment method. Every quote lists the Unigox fee and your own percentage fee next to the rate; an order that does not complete costs nothing. |
| Getting started | Open an account online with a cumulative USD 300 limit until company verification. Sandbox keys come from Koywe support by email. | Nothing runs before KYB: a call agrees markets and setup, company documents follow, and sandbox keys arrive after approval. |
| Regulation | Koywe SpA is No. 196 on the financial service provider register of Chile's Financial Market Commission (CMF), authorised to intermediate financial instruments. Alerce Argentina SRL is No. 24 on the CNV virtual asset service provider register in Argentina. | 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 customer payouts from Koywe to Unigox
Pick out customer payouts from Koywe
On the call, say which Koywe payouts go to your own customers and in which currencies. Then pass KYB with the company documents we ask for; your Koywe KYB is not reused.
Turn the deal and the payout into one order
Your system sells USDT in a Koywe off-ramp deal, then creates a payout. On Unigox that becomes one quote and one order for a verified customer, with a transfer your server signs. Try it in the sandbox first.
Hold the float in the partner wallet
Keep USDT or USDC in the partner wallet instead of a local-currency balance on Koywe, have each customer verified by Unigox, then switch to the production key.
Questions about Koywe alternatives
Which Koywe alternative pays customers from USDT?
Unigox, for an app or platform that holds USDT or USDC and pays its own verified customers by bank or mobile money. Each payout is funded from the partner wallet when the order is created, with no local-currency balance to top up first. For supplier payments and multi-currency treasury in Latin America, Koywe remains the fit.
What does Koywe do?
Koywe serves companies operating across Latin America. It buys and sells USDC and USDT for local currency, collects and pays out by local methods such as SPEI, Pix and PSE, and runs an OTC desk for large trades. It works through Koywe SpA in Chile and Alerce Argentina in Argentina.
How much does Koywe charge to buy or sell stablecoins?
Koywe's disclosure under Chile's CMF rules says fees are agreed with each client. Ramp trading fees are around the higher of 1.5% or USD 1, plus VAT, and OTC fees are under 1.5% per trade, lower at higher volume. It publishes no payout fee. On Unigox each quote lists the Unigox fee and your own percentage next to the rate. Nothing is charged if the order does not complete.
Which countries can Koywe pay out to?
Its docs list bank payouts in Mexico by SPEI, Brazil by Pix, Argentina to named CVU accounts, and Chile, Colombia, Peru and Bolivia. USD goes to Peru, and to the United States after a separate onboarding. An institutional stablecoin corridor also delivers local money in markets including Hong Kong, Singapore, Japan and Europe; Koywe asks clients to talk to their Koywe contact before designing against it. On Unigox the payee is your own verified customer, and third-party payments run only on supported routes. The currencies open to your app are agreed on the call.
Bring one Koywe off-ramp and payout to the call
Pick a recent payout to one of your own customers: the currency, the amount and the Ramp fee the off-ramp deal cost. We tell you whether the Payments API serves that currency and what one Unigox order from your wallet would show.
Koywe 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.