# USD to Argentina Payout API | Real-Time CBU, CVU & Alias Clearing

**Source Currency:** USD  
**Destination Country:** Argentina (ARS)  
**Domestic Clearing Rail:** BCRA Transferencias 3.0 & CVU Interoperable  
**Clearing Switch Protocol:** BCRA COELSA ISO 20022  
**Operating Regime:** 24/7/365  
**SLA Latency:** < 22 seconds (P99: 22s, P90: 12s, P50: 5s)  
**Platform Meta-Fee:** 0.17%  
**Indicative Rate:** 1 USD = 975 ARS  
**Rate Lock Window:** 120 seconds fixed guarantee  
**Max Single Transfer:** $40,000 USD  

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## 1. Technical Overview & Domestic Rail Ingress
Instant cross-border ARS settlement into Argentine bank accounts (CBU) and digital wallets (CVU, Mercado Pago). Sub-22 second P99 execution and fixed rate locks.

### Core Capabilities
- Interoperable clearing to traditional bank CBUs and virtual wallet CVUs (Mercado Pago, Lemon)
- Human-readable Alias resolution (e.g., user.mp.pay) in under 120ms
- Transparent CCL/MEP benchmark exchange rates absorbing local currency volatility

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## 2. 90-Day Rolling Latency Telemetry
- **P50 Median:** 5 seconds
- **P90 Percentile:** 12 seconds
- **P99 Institutional SLA:** 22 seconds

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## 3. Regulatory & Travel Rule Compliance Framework
- **Regulatory Authority:** Banco Central de la República Argentina (BCRA)
- **Travel Rule Standard:** UIF Resolution 30/2017 / IVMS 101
- **Tier 1 KYC Threshold:** Up to $1,500 USD (automated biometric verification)
- **Tier 2 KYC Threshold:** Up to $40,000 USD (enhanced due diligence)
- **Reconciliation Standard:** Double-entry ACID balance sheet pairing with 0.000% reconciliation drift

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## 4. Frequently Asked Questions
### What is the difference between CBU and CVU in Argentina?
A CBU (Clave Bancaria Uniforme) belongs to a traditional bank, while a CVU (Clave Virtual Uniforme) belongs to an authorized fintech wallet like Mercado Pago or Ualá. GlobalPayment settles to both interoperably in real-time.

### How are exchange rates managed given local Argentine currency regulations?
Quotes are locked for 120 seconds using institutional market benchmarks (MEP/CCL compliant liquidity), shielding the corporate payer and recipient from intra-day currency fluctuations.

### Can payments be sent using an Argentine account Alias?
Yes. Payouts can be addressed to a 22-digit CBU/CVU or the alphanumeric Alias registered with COELSA, verified instantly before initiation.

---

## 5. Machine-Readable Context Block
```json
{
  "corridorId": "usd-ars-cvu",
  "slug": "usd-to-argentina-cvu",
  "sourceCurrency": "USD",
  "destCountry": "Argentina",
  "destCurrency": "ARS",
  "rail": "BCRA Transferencias 3.0 & CVU Interoperable",
  "protocol": "BCRA COELSA ISO 20022",
  "exchangeRate": 975,
  "platformFeePct": 0.17,
  "latencyP99Seconds": 22,
  "operatingHours": "24/7/365",
  "regulatoryBody": "Banco Central de la República Argentina (BCRA)",
  "timestamp": "2026-10-19T19:52:42.309Z"
}
```