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Digital payments

How payments are evolving in El Salvador: from instant payments to digital assets, the future of money has arrived.

The evolution of payments

El Salvador is at the forefront of financial innovation. With its instant payment system, the country implemented an instant payment system regulated by BCR that works 24/7. With the adoption of Bitcoin as legal tender, it opened the doors to digital assets in daily life.

This unique combination allows Salvadorans to move value between the digital world and the traditional banking system quickly, safely and in a regulated manner.

Payment methods in El Salvador

Bank transfer

Transfers between accounts at the same bank or between different banks via Transfer365.

Transfer365

Instant 24/7 payments between any financial institution in El Salvador, regulated by BCR.

Cards

Debit and credit cards for in-person and online purchases.

Digital wallets

Payment apps like Chivo Wallet and other mobile solutions.

Digital assets

Bitcoin, USDT and USDC for payments, transfers and store of value.

QR codes

QR payments at physical stores, integrating multiple methods.

The Enor advantage

At Enor, we combine the best of both worlds: digital assets + instant payments. Buy Bitcoin, USDT or USDC through WhatsApp and, when you want to convert to dollars, withdraw instantly to any bank account in El Salvador.

From your phone to your multi-currency account, in seconds 路 No app 路 From $10 路 24/7

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Transfer365
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Bitcoin and multi-currency digital assets, from your WhatsApp.

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Enor Securities
Banco Central de ReservaTransfer365 del Banco Central de ReservaComisi贸n Nacional de Activos DigitalesSuperintendencia del Sistema FinancieroLBTR - Liquidaci贸n Bruta en Tiempo Real

ENOR SECURITIES, S.A. DE C.V. (known as ENOR SECURITIES), a company incorporated and existing under the laws of the Republic of El Salvador, authorized by the National Commission of Digital Assets as a Digital Asset Service Provider (DASP-0014), and authorized by the Central Reserve Bank and supervised by the Superintendence of the Financial System as a Bitcoin Service Provider (PSB). It is an authorized institution and participant in the Transfer365 payment system of the Central Reserve Bank and LBTR (Real-Time Gross Settlement) of El Salvador.

The products and services offered by ENOR are subject to applicable legislation on digital assets in the Republic of El Salvador. Any reference to products and services should be understood as referring to products and services that have been authorized for offering or sale by competent authorities. Nothing contained on enorsecurities.com should be construed as investment advice in digital assets. Each investor should know and read the issuance prospectuses and other documentation published in relation to the issuance, offering, or sale of digital assets. Some jurisdictions may restrict or prohibit such activities in accordance with local laws.

Any transaction carried out on this platform is subject to the applicable Terms of Use, AML (Anti-Money Laundering) and KYC (Know Your Customer) policies, and other regulatory compliance requirements.

漏 2026. All rights reserved.

Institution supervised by the Superintendence of the Financial System of El Salvador.

For unresolved questions or complaints, you may contact the Superintendencia del Sistema Financiero (SSF) directly at: [email protected]

For support or general inquiries, please contact: [email protected]

For more information about the Central Reserve Bank (BCR) and its payment systems, visit: www.bcr.gob.sv

For more information about the National Commission of Digital Assets (CNAD) and the Digital Asset Service Provider license, visit: cnad.gob.sv

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