What exactly is CacaoCash?

CacaoCash is a digital wallet built for people who travel or live in Latin America. It lets you pay with the QR codes locals use every day — Pix in Brazil, Mercado Pago in Argentina, and more — using money you load from abroad. No local bank account, no cash runs, no bad exchange rates.

How do I add money to my wallet?

Several ways — whatever's easiest for you: • ACH or SEPA bank transfer • Credit or debit card • Crypto or stablecoins (USDC and more) • SWIFT bank transfer You'll always see the exact rate and any fees before you confirm. No surprises.

Do I need to verify my identity?

Yes, once. It's a quick in-app process — a photo of your ID and a selfie. It keeps your account secure and lets us work with regulated financial partners across the region. Most people finish in under 3 minutes.

What if a payment is pending, fails, or I get a refund?

Pending payments usually clear on their own within minutes. If a payment fails, your balance is returned immediately. Refunds land straight back in your wallet — no waiting, no friction. If anything ever looks wrong, our support team is one message away.

Are there hidden fees?

Never. Before every single payment, you'll see: • The exact amount being charged • The live exchange rate • Any applicable fees What you approve is exactly what leaves your wallet. That's a promise.

How do I know my money is safe?

CacaoCash is non-custodial — your funds are never pooled with anyone else's and every transaction requires your explicit approval. Identity verification and money movement are handled by licensed, regulated partners. You stay in control at all times.

Which countries are live?

CacaoCash works today in: • 🇧🇷 Brazil — Pix • 🇦🇷 Argentina — Mercado Pago • 🇨🇴 Colombia • 🇵🇪 Peru — Yape More countries coming soon. Sign up and we'll notify you when your destination goes live.

I lost my phone. What happens to my money?

Nothing bad. Your account is tied to your identity, not your device. Just install the app on a new phone, sign in, and everything is exactly as you left it — balance, transaction history, all of it.

Peru Travel Money Cheat Sheet (2026)

Quick reference for money and payments in Peru as a foreign traveler. Save this before your trip.

Peru Payments at a Glance

Method	Rate	Accepted	Verdict
CacaoCash (QR)	Mid-market ✅	Most merchants	Best for daily use
Credit/debit card	Official PEN rate	Formal commerce	Good backup
Banco de la Nación ATM	Official, no fee ✅	N/A	Best for cash
Other ATMs	Official	N/A	Use BdlN first
Yape/Plin	N/A	Everywhere	Needs BCP account ❌

Key Facts About Peru's Currency

Currency: Peruvian Sol (PEN). 1 USD ≈ 3.4–3.8 PEN in 2026.
No significant parallel exchange rate — the official rate is what you get everywhere.
Credit card bills from Peru will show the official PEN exchange rate on your statement.
USD cash is accepted at some tourist-facing businesses but not widely. Convert to soles at casas de cambio.

Your First 24 Hours in Peru

✅ Set up CacaoCash before flying — takes under 5 minutes
✅ Use Banco de la Nación ATM at the airport for cash soles (no local fee)
✅ Keep 50–100 PEN cash for taxis and immediate needs
✅ Notify your home bank you're traveling
❌ Avoid airport casas de cambio — rates worse than in the city
❌ Don't try to open a Yape account without first opening a BCP account

Key Terms

PEN / Sol — Peru's currency
Yape — dominant mobile payment app (BCP); requires BCP debit card
Plin — Yape competitor via Scotiabank/BBVA/Interbank; requires local account
DNI — Documento Nacional de Identidad (Peruvian ID). You don't have one as a foreigner.
Carnet de Extranjería — Peru's ID for resident foreigners. Allows full Yape access.
Banco de la Nación — state bank; best ATM for foreign cards (no local fee)