Audience note: this document is written for distribution partners — throughout,
“you” means the remittance operator, bank or telco. Partners earn a commission per subscription;
they do not receive equity. Investors: see the Investor One-Pager.
The health spend already travels on your rails.
You just don’t earn anything from it — yet.
16.7% of every remittance your customers send is spent on out-of-pocket healthcare in Mexico —
about $66 per family, every month. The industry pays electricity and water bills across the border.
Nobody ever built health. SaludCompartida did — and it attaches to your flow, not against it.
$4.29B
Annual health spend inside U.S.→MX remittances
$14.99
Per month · attaches at the point of send
0%
Churn in the first 2 months — 100% persistency, first cohort
Remittance operators
Neobanks & banks serving migrants
Telcos · prepaid & postpaid
Payroll / Earned Wage Access (EWA) platforms
What the partnership is
A healthcare subscription your customer adds where they already pay: $14.99–$22/month, offered
inside your app or flow. Their family in Mexico receives telemedicine, pharmacy discounts, labs,
therapy — and Lupita, a proactive AI companion who calls in their Spanish. You distribute.
We operate everything else: licensed provider networks, service delivery, activation by WhatsApp,
customer support, and the AI layer.
What you earn — beyond the commission
A recurring revenue share on every active subscription, every month, for the life of the
subscriber — terms per corridor, under NDA. And the strategic prize: retention of your core
product. A sender whose family’s doctor, pharmacy and Lupita ride on your rail does not
switch apps for a 50-cent fee difference. Health is the stickiest thing you can attach to a remittance.
The math, illustrated — attach rate on 100,000 active senders
| Attach rate | Active subscriptions | Annual subscription volume | Your revenue |
|---|
| 2% | 2,000 | $360K | Recurring share
on every month,
life of subscriber |
| 5% | 5,000 | $899K |
| 10% | 10,000 | $1.80M |
Illustrative at $14.99/mo. Attach scenarios are examples, not projections — actual terms and targets are agreed per corridor.
Zero capex for the partner: no medical network to build, no health licenses to hold, no service operation to run.
Proof it converts — and stays
100 in 48h
First subscribers · one Arizona zip code · goal was 50 in a month
0% churn
First 2 months · 100% persistency
1×/week
Family usage in Mexico · Lupita converses every 2 days
Built
Partner portal & API environment already developed
Integration — weeks, not quarters
1
Placement
The offer appears in your send flow, app or agent screen — your brand next to ours, or white-label.
2
API attach
One integration: subscription created at the point of send. We already run API integrations with providers and payments.
3
WhatsApp activation
The family in Mexico is onboarded by WhatsApp — no exam, no forms, no friction. Lupita makes the first call.
4
Recurring share
You see attach, active base and your share in a partner dashboard. We handle service, support and retention.
Your regulatory position does not change. You remain a financial intermediary under your existing
licenses (BSA/FinCEN, CFPB Remittance Rule, Banxico 12/2012 where applicable). SaludCompartida is the service
provider; care is delivered by licensed local networks in Mexico that carry clinical liability. No health
regulation, no medical liability, and no clinical data ever touch the partner. Full legal memorandum available under NDA.