What Is Frictionless SPEI
Frictionless SPEI is an automated deposit-crediting model that removes unnecessary manual intervention when users do not follow deposit instructions perfectly.
👉 Users are credited automatically—even when the amount or flow does not match the original checkout—without Operations or Finance needing to intervene.
Funds still settle into the correct bank account. The difference is that the system can now intelligently determine which user should be credited and do so in real time.
This eliminates most:
Manual deposit reviews
“Wrong amount sent” cases
“Deposit without checkout” tickets
Reconciliation friction for Finance teams
How SPEI Deposits Worked Before
Under the previous model, a deposit was auto-credited only if all conditions matched exactly:
Correct CLABE
Exact amount
Active checkout created by the user
If any condition failed:
❌ Deposit moved to manual review
❌ Operations had to investigate and reconcile
❌ User waited for balance credit
❌ Support volume increased
How SPEI Deposits Work Now (Frictionless Model)
With Frictionless SPEI, the system automatically resolves the two most common operational failure scenarios, without human intervention.
Automatically Credited Scenarios
User sends a different amount than the checkout
User sends without opening a checkout
Both cases are now resolved in real time.
Scenario 1 — User Sends a Different Amount
User Action
User initiates a deposit for $100 MXN
User sends $600 MXN instead
System Behavior
Sender is identified automatically
Deposit is credited immediately
User balance increases by $600 MXN
What Operations Sees
Deposit is already settled
Status: Mismatched Amount
Visible fields:
Expected amount: $100 MXN
Received amount: $600 MXN
Operational Action Required
✅ None
No approval, no matching, no follow-up
Scenario 2 — User Sends Without Checkout
User Action
User does not open a checkout
User sends funds directly to their assigned CLABE
System Behavior
System analyzes historical deposits linked to the CLABE
Identifies the corresponding user
Automatically creates the deposit
User is credited instantly
⚠️ Important:
This flow applies only to returning users with prior deposit history.
What Operations Sees
A deposit automatically created by the system
Status: Frictionless – Auto-Created
User linkage based on historical data
Operational Impact (Day-to-Day)
Before
Review unmatched deposits
Manually identify users
Validate amounts
Credit balances manually
Handle user complaints
Now
Review exceptions only
Perform spot checks on flagged cases
Focus on true anomalies and risk events
Results
📉 Fewer support tickets
⚡ Immediate user crediting
🧠 Significantly reduced Ops and Finance workload
Control & Configuration
Frictionless SPEI can be disabled at any time if required by internal policy, risk posture, or compliance review.

