Chivo Wallet was introduced in El Salvador to connect US-dollar and bitcoin payments in a single app. Its role spans transfers, merchant payments and conversion between the two balances, with banking and cash-access links to connect digital funds to the country's dollar-based economy.
Estimated Monthly Usage, Aurato Research, November 2026
Capabilities
US-dollar and bitcoin balances support purchases, transfers and conversion between the two currencies. Banking connections and cash access link the app to physical money; detailed refund and repeat-payment rules remain unconfirmed.



