Updated analysis of Osmo Money (formerly Osmo Wallet), the Guatemalan fintech company now operating in seven Latin American countries and regulated from El Salvador.

This article covers:
What changed between 2023 and 2026
New features: Lightning Network, DCA, Mastercard, transfers to the US, Mexico, and Brazil
Updated fee schedule
Actual break-even point: Bitcoin needs to rise approximately 5.17% to avoid losses
Comparison with other platforms available in Guatemala and other countries.