PTX Exchange Debuts with First Remittances to Mexico Settled in Under a Minute

PTX Group's new remittance platform went live on Friday, June 5, and completed its first two international transfers — both to Mexico, via debit card — within the opening 15 minutes of operation, settling in roughly one minute each. The dedicated Brazil corridor is in its final development stage.

EVERETT, Wash. (USA), June 2026

PTX Group, an integrated financial-services ecosystem for Latin American immigrants, brought its new blockchain-based remittance platform, PTX Exchange, online this past Friday, June 5. Within the first 15 minutes of operation, the platform completed its first two international transfers: both were sent to Mexico, paid with a debit card, and settled in about one minute each.

The launch marks the effective start of an operation designed to move money from the United States to Latin America with more speed, lower cost, and human service. The Mexico corridor was the first to go live; the dedicated app for the Brazil–US corridor is in its final development stage and is expected to follow next, with the sequential rollout of Guatemala, Colombia, and the Dominican Republic after that. The platform was built to complete 90% of transactions in under a minute — a target the first two operations have already confirmed in practice.

The launch represents a strategic expansion for PTX Group, which since 2022 has been building its presence through PTX Insurance, a commercial and personal insurance arm serving the immigrant and entrepreneurial community. The operation already serves more than 2,000 active clients across 15 US states and exceeds US$5 million in recurring annual sales — the foundation on which the group is now building a broader platform of financial solutions. By using blockchain technology to reduce reliance on traditional banking intermediaries, PTX Exchange offers transaction fees up to 30% lower than those of traditional banks, while maintaining the regulatory-compliance and customer-service standards that have defined the company's insurance operation.

Solving the Remittance Challenge for Immigrants

Entering the remittance market answers a pain point the company says it has tracked closely through its day-to-day relationship with its client base, made up mainly of immigrant contractors and small-business owners. "We saw our clients constantly frustrated by hidden fees, slow transfers, and cold, impersonal service when sending their hard-earned money home," Tomaz says.

According to him, this demand had been building since the early days of PTX Insurance: "Traditional platforms still treat immigrants as transaction numbers, hiding exchange-rate margins and offering no real support when problems come up. The biggest one is when these people need to send larger amounts to keep up with payments on the properties many of them buy back in their home countries."

Latin America's remittance market represents an annual flow of US$170 billion, projected to reach US$220 billion by 2030, with the United States as the main country of origin. Yet traditional transfer services often charge exchange-rate spreads of up to 3%, while PTX Exchange targets spreads of 1.2% or lower through its blockchain infrastructure and direct market access.

High Tech and a Human Touch

The company's bet is on using blockchain infrastructure to reduce reliance on banking intermediaries, shorten processing time, and make the final cost of the operation more competitive. In practice, the goal is to make international transfers more direct and less burdensome for the end user, while the technological complexity stays behind the scenes.

PTX Exchange also sets itself apart through a philosophy the company calls "High Tech, High Touch," combining the efficiency of blockchain with human-centered service. Unlike traditional remittance apps, which rely on chatbots and FAQ sections, PTX Exchange offers direct support via WhatsApp — where clients can start transfers, track progress, and resolve issues through the same simple interface they already use to talk with family, with service in English, Portuguese, and Spanish.

A Complete Financial Ecosystem

The new remittance platform reinforces an even broader vision for PTX Group: to become the leading financial hub for immigrant entrepreneurs. The plan is to reach 10,000 active remittance clients by the first quarter of 2027, later expanding into banking services — including business and personal accounts, travel insurance, and secured credit cards designed specifically for immigrants who are building their credit history in the United States.

The market context helps explain the opportunity. Recent World Bank data show that remittances to low- and middle-income countries are estimated to have reached US$685 billion in 2024, while IDB studies point to the continued importance of these transfers for Latin America and the Caribbean.

This integrated approach responds to what Tomaz describes as a "systemic gap" in the American financial system. "Traditional banks don't understand the immigrant entrepreneur's journey. And yet that entrepreneur drives the national economy — they open businesses, hire people, pay taxes, and at the same time maintain deep economic ties to their home country. That's why we're building every service they need in one place, from asset protection through proper insurance to sending money home to family — all delivered by people who understand their language and their daily challenges," he says.

From Need to Solution

PTX Group's trajectory helps explain the proposition and reflects its founder's personal experience. Darley Tomaz immigrated from Brazil to the US after leading fraud-prevention projects in the Brazilian financial sector. The decision grew out of a clash of ethical values and professional exhaustion. "I was working more than 12 hours a day in a system where there was a real interest in keeping the very problems I'd been hired to solve. During my honeymoon in the US, I looked at the data clearly: the American financial sector alone was 2.5 times Brazil's entire GDP. If I was going to work that hard, we decided to do it in the most competitive market in the world."

In 2022, Tomaz founded PTX Insurance in Everett, Washington, after identifying a critical gap: the lack of adequate support for the immigrant community navigating the American insurance system. "I realized this audience — made up mostly of contractors and small-business owners — was being overlooked by the traditional market. The pain wasn't just buying insurance, but the absence of trustworthy guidance for dealing with bureaucracy, protecting assets, and growing a business in a stricter, more complex regulatory environment," he says.

Two-Way Impact

More than selling policies or processing transfers, the company says it was built to act as a strategic partner to immigrant entrepreneurs. In the United States, PTX Group contributes to local economic stability by protecting businesses that create jobs and pay taxes. In Mexico, Brazil, and the other countries it serves, PTX Exchange injects capital that moves the economy at its base: by eliminating abusive fees, a larger share of immigrants' money actually reaches its destination, funding medical treatment, education, and the survival of thousands of families' small businesses.

One emblematic case of the group's integrated approach happened when Darley himself was in Alaska and received an emergency call on a Saturday. A client was about to lose a multimillion-dollar contract to renew a municipal fiber-optic network because his insurance coverage wasn't fully in place. "The right protection was the missing key to signing the contract," he recalls. The outcome transformed the client's financial and operational standing.

"That kind of episode sums up the logic behind this new move. What we're building isn't just a financial tool. It's a structure to reduce friction, protect assets, and expand the growth possibilities of a community that has already proven its ability to build businesses and create value," Tomaz concludes.