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SPEI Frictionless Explained

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Written by Operator
Updated over 2 weeks ago

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

  1. User sends a different amount than the checkout

  2. 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.

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