US Access: Protection and Real Estate for Mexican Investors

Mexico’s economy keeps investors on alert. With geopolitics in flux and inflation holding near 3.5%–4.6% in recent months, the paths for the peso, growth, and regulation are legitimately up for debate. What isn’t debatable is the imperative for Mexican individuals and families to preserve and protect their assets, and that’s one key reason the US dollar remains a highly attractive safe haven.

Notwithstanding the desire for access to dollar-based protection, small to midrange Mexican savers and investors alike face persistent frictions when seeking to open and operate a US dollar account. The most common obstacles include US residency or proof-of-address requirements; high minimum balance thresholds that lock out smaller depositors; and in-branch onboarding that demands travel, appointments, and repeated visits. Documentation and compliance add further drag, while practical barriers compound the problem. Collectively, these gatekeeping frictions limit straightforward participation in the US banking system and restrict timely access to dollar-based solutions.

Dividenz has detected a significant increase in stress and anxiety around increasing levels of inflation and insecurity, not to mention frequent regulatory and political shifts. A recent study conducted by our firm revealed that more than 68% of respondents would "surely" or "probably" seek to move a portion of their assets to foreign markets in the interest of diversification and protection.

An additional finding in the study was the evolution of investor expectations. Today’s Latin American investor has grown in sophistication and is demanding more than safety. Although nuances are observed by country, a majority of respondents (over 60%) insist upon not only returns, but also qualitative benefits. Not surprisingly, there were differences by country of origin, with Argentinians expressing a greater appetite for returns, Mexicans wanting a balance between stability and performance, while Colombians were more willing to sacrifice returns for certainty

While small to midrange savers and investors experience the issues described above, larger-scale and institutional investors have always been able to access US markets. Recognized for its institutional strength and scale, American real estate has historically delivered stable returns with low volatility, even in challenging environments. It is no surprise that Mexican investment in US property assets has grown significantly, placing Mexico in third place among international real estate investors, according to the latest National Association of Realtors data. This trend reflects demand for instruments that preserve capital while delivering medium- and long-term growth.

Alongside mid-long-term investment objectives, we’ve also detected a need for dollar-based solutions that are both flexible and interest-bearing. This is the context in which we’ve launched Dividenz Account. Purchasing with the needs of Latin Americans in mind, this unique financial instrument is 100% digital and interest-bearing, allowing account-holders to make purchases, manage cash, and allocate funds toward real estate investments, all from a single platform. 

From day one, the account generates daily returns in US dollars, with rates of up to 7% APY, above many traditional instruments, while maintaining immediate liquidity, so funds remain fully available when needed. All liquid balances are held in FBO custodial accounts at JPMorgan Chase Bank, N.A., aligning with rigorous standards of operational stability and security.

To extend everyday utility, the Dividenz Card, a US dollar-based Mastercard, enables purchases and ATM withdrawals worldwide. Every transaction can generate value through cashback of up to 4% in dollars, helping cardholders recover a portion of their spending.

Beyond liquidity, clients can allocate into income-generating, asset-backed opportunities across resilient US markets. properties that are fully constructed and tenant-occupied.

Since its inception, Dividenz has built its reputation around a portfolio of deals and cash positions in the US real estate market, which have offered Latin American investors exposure to multifamily, industrial, and commercial assets with tangible income streams. These instruments have allowed individuals and families to shield wealth from local volatility, preserve purchasing power in dollars, and steadily grow their capital over time through asset-backed returns. The experience gained from these portfolios demonstrated that many investors sought not only long-term exposure, but also the ability to manage liquidity on a daily basis. The launch of Dividenz Account emerges as a natural complement: a structure that builds upon the security of real assets while adding operational flexibility, immediate liquidity, and integrated tools that align with evolving investor needs.

For Mexican investors, Dividenz seeks to offer innovative solutions that combine protection, liquidity, and real-asset growth in one place. By lowering barriers and standardizing access, Dividenz offers a path for more Mexican savers and investors to protect value today and compound wealth with confidence over time.