Buda.com exchange profile: services, fees, custody and eligibility

Buda.com combines local-currency crypto trading, custodial wallets and cross-border payments. Its current site serves Chile, Colombia and Peru and lists BTC, ETH, SOL, USDT, USDC, LTC and BCH.[1]

Simple purchases use a price reserved for one minute. BudaPro instead shows a moving order book and a preview of the final unit price and amount received after fees. Changing available liquidity can change that preview before an order executes.[16]

A stop price is an activation level, not a guaranteed sale price. A market instruction can slip, while a limit can remain partly or wholly unfilled.[17]

The market catalogue exposes minimum order sizes and rate controls. Its current minima are 0.00002 BTC, 0.001 ETH, 0.001 SOL, 0.003 LTC, 0.001 BCH and 0.01 USDC or USDT in their respective base-asset markets. These trading minima differ from withdrawal minima.[14]

OTC requires a verified business account or an advanced personal account with enhanced due diligence. Published trades start at US$10,000 equivalent; individuals initially have a US$25,000 transaction cap, while business limits depend on verified capacity. Prices are negotiated all-in, with no separate service commission. Settlement is quoted at roughly fifteen minutes after payment, followed by the normal withdrawal process.[30]

The simple interface and BudaPro have different tariffs. A limit order receives maker treatment only for the part that rests in the book: a crossing or immediately matched portion pays taker fees. A single order can consequently incur both rates.[15]

The page presents the lower Chilean and Colombian rates and Peru’s stablecoin rate beside crossed-out 1.20% figures; no end date is stated there. Chilean programmed purchases also display 0.50%. Treat the amount shown at confirmation as controlling.[6]

BudaPro tiers use the preceding thirty days of USD-equivalent trading. The following complete schedules are for the named Bitcoin and USDC markets. Other pairs and account-specific quotes must be checked separately.[16]

Check the account’s assigned tier at an exact volume boundary. The market feed currently applies a full maker/taker discount to USDT/USDC; its undiscounted base fields are not the executable fee.[14]

Trades on a fee-free market such as USDT/USDC do not build the monthly qualifying volume. Internal crypto transfers between Buda accounts are free.[6]

For illustration, a CLP 1,000,000 Bitcoin trade at Tier 1 implies CLP 4,000 at 0.40% maker or CLP 8,000 at 0.80% taker, before price movement and any separate transfer charge. This compares fee arithmetic, not an assured execution outcome.[8]

Fiat funding must come from an account in the customer’s own name. The country guide excludes cash, US dollars and vale vista deposits. Argentina’s fiat market is disabled; the available route described there is crypto funding.[18]

The current tariff lists Chilean Webpay cards, whereas the August funding guide marks cards as Peru-only. Availability needs confirmation in the deposit screen before using that route.[18][7]

Peru’s card guide requires an own-name card and at least PEN 20. Approval credits the net amount immediately, with the fee deducted. Its approximate rates are slightly below the live tariff above, so use the final checkout calculation rather than the older example.[19]

For Bre-B, start each deposit inside Buda to obtain a fresh key or QR; do not reuse an earlier instruction. Funding is normally credited within minutes and Buda charges no receiving commission. The sending account must be in the verified customer’s name.[21]

Yape and Plin use the number or QR generated for the deposit. The guide gives a PEN 500 transaction limit and PEN 2,000 daily limit, alongside verification constraints. A transfer receipt is unnecessary for the instant route.[20]

These are estimates. Chilean Itaú deposits can require three business hours of manual processing. Large Colombian withdrawals above COP 200 million or incompatible recipient details can require traditional ACH settlement. The Peru guide says the old Interbank receiving account is being discontinued; use the new instant-transfer details.[22]

The unusually high PSE minimum is the figure currently published in the minimums guide; smaller Colombian deposits have a separate Bre-B route. Individual payment methods can impose stricter minima than the country-level amount.[24]

The feed lists zero deposit fees for these crypto routes. Network withdrawal prices can change; review the generated transfer before approving.[7]

Published withdrawal minima, excluding the network fee, are 0.00001 BTC, 0.001 ETH, 0.01 SOL, 1 USDC, 1 USDT, 0.001 LTC and 0.01 BCH. The guide sets no crypto deposit minimum.[24]

Choose the same network at both ends. The withdrawal guide distinguishes Bitcoin and Lightning, Ethereum and Solana stablecoin routes, and native SOL, LTC and BCH. It rejects Litecoin SegWit and Bitcoin Cash legacy addresses. A generic token name is insufficient to establish address compatibility.[25]

Creating a withdrawal is separate from approving it: the workflow asks for the destination, network, amount and account authentication, then the configured security approval. An unapproved request should not be treated as an on-chain transfer.[25]

Buda describes majority cold storage, multisignature hot wallets with geographically separated signing agents, backup keys and periodic access rehearsals. These are operator statements; the security article does not establish an independently audited reserve ratio or a quantified customer insurance entitlement.[27]

The current agreement permits custody through delegated providers and fiat diversification, including money-market instruments at regulated banks. It characterises fiat custody as a civil-law money deposit. This contractual arrangement should not be equated with a personal insured bank account.[2]

The six-digit withdrawal PIN is tied to the device on which it was activated and requires biometric setup. First-time fiat withdrawers must activate it; older fiat users may retain their existing route. A high-value crypto withdrawal can still require a selfie.[26]

Moving devices requires a new PIN setup, which disables the old PIN. If the PIN is forgotten, the guide allows deactivation and reconfiguration through security settings. Availability depends on the identity-verification method, so the feature is not promised for every account.[26]

A lost dynamic key can be reset through the dedicated recovery page using email instructions and identity verification. Unconfirmed cases pass to staff review. The guide does not promise a fixed release time or a standard post-reset withdrawal hold; re-enable the extra authentication layer after access returns.[39]

Personal verification combines identity-document scanning and biometrics, residence details, politically exposed person declarations and an investor-risk questionnaire. Providing proof of residence is an additional step for increased fiat limits. Completing only email registration does not unlock the full service.[31]

Foreign residents need a local foreigner identity card from Chile, Colombia or Peru. An expired card requires evidence of the residency application issued within six months. The published guide rejects passport-only applications.[32]

The agreement excludes US Persons and Canadian Persons, including defined residence, citizenship, entity and control relationships.[2]

Basic verification carries a US$1,000-equivalent fiat deposit/withdrawal limit over thirty days from the first relevant request. Verified residence removes that general fiat cap. This does not remove payment-provider limits or compliance reviews; the guide distinguishes these fiat limits from crypto trading and transfers.[23]

The representative first needs a personal Buda account, then registers the company under Mis Empresas. A company can apply directly for Full rather than passing through Lite. The lighter onboarding process does not create unlimited or anonymous business access.[33]

The country checklists also require trading authority and a declaration of funds’ origin. Approval follows document review; these requirements are separate from the personal account used to submit the application.[34]

Buda’s official routes are website chat and the email link in its support page. Published hours are Monday–Friday, 09:00–18:00, without a timezone specified in that article. It explicitly offers no telephone, in-person or WhatsApp customer support; no telephone order-dealing route is established.[28]

For an execution or transfer problem, preserve the order or request ID and use the official support route. A status notice documents a disruption but does not itself cancel an order or guarantee a compensating trade.[28]

Peru’s privacy policy links a virtual Libro de Reclamaciones and a complaints email route. Those local complaint records are distinct from general chat. The policy’s personal-data rights and court/administrative remedies do not establish an exchange-wide compensation scheme.[4]

Colombia’s privacy policy provides personal-data complaints and identifies the Superintendencia de Industria y Comercio as the relevant escalation authority for that subject. This privacy route is not a general promise of trade-loss reimbursement.[5]

Cartola exports the selected period or full account history as an Excel file delivered through an emailed link. It includes fiat/crypto deposits and withdrawals, trades and trading fees. External-wallet or other-exchange transactions are excluded, so the export needs reconciliation before a complete tax calculation.[29]

Account deletion is a separate browser workflow and requires every fiat and crypto wallet to be empty. Withdraw or sell the remaining balances first; simply ceasing to trade does not complete deletion.[40]

Buda’s current homepage describes incorporation into Chile’s CMF framework under the Fintec law as a process still underway.[1]

The agreement describes regulated alternative trading, custody and conditional order-routing activities, yet its footer says group entities are not locally regulated. These inconsistent statements should not be treated as proof of completed authorisation.[2]

The CMF entry inspected for the separate Buda Bridge SpA, RUT 77.615.126-2, is historical: registration 57 began on 3 February 2023 and was cancelled on 29 April 2024. It is marked inactive. That entry cannot establish a current permission for either Buda Bridge or Buda.com SpA.[3]

The current homepage reports more than 800,000 created personal and business accounts and over US$3 billion moved through its markets. These are operator figures without a stated volume period, and are not a count of active traders or an independently comparable daily-volume ranking.[1]

The Peruvian wording demonstrates a naming inconsistency within one disclosure, not two independently established businesses. Confirm the contracting name on account documentation; the shared brand alone does not identify every regional counterparty.[4]

Operator

Buda.com SpA and regional entities; Buda Bridge SpA for disclosed intermediary services.

Exchange model

Centralised

Service scope

Local-currency spot markets, OTC, custody, international payments and separate BTC-backed CLP credit.

Client types

Retail clients; Institutional clients

Pricing publication

Public and quoted pricing

Pricing scope

Public simple tariffs and thirteen Pro tiers; negotiated OTC and credit quotes; dynamic transfer costs.

Funding scope

CLP, COP and PEN payment routes and supported crypto networks; Argentina fiat access disabled.

Custody and asset handling

Operator-managed cold/hot wallets; current contract permits delegated custody and fiat diversification.

Client eligibility

Verified local users and eligible businesses in Chile, Colombia and Peru; US/Canadian exclusions and local-ID conditions apply.

Support

Website chat and published email link; weekday hours, status page and region-specific complaint routes.

Authorisation and registration scope

Current homepage describes Chilean CMF incorporation as pending; contradictory contract wording and an inactive historical Bridge registration do not establish current authorisation.

Exchange metadata checked 20 Oct 2026Source 1Source 2Source 36Source 4Source 5Source 6Source 18Source 3

CLP credit can be secured by BTC worth twice the amount borrowed. The current guide offers one-, two- or three-month terms, monthly interest servicing and flexible principal repayment; extensions use the then-current rate. The simulator discloses monthly interest, CAE, instalments and collateral. Available lending liquidity also limits the amount.[37]

Paying down debt or adding BTC reduces the ratio. Optional automatic collateral addition can draw on available BTC in the account. A rapid price fall can reach the liquidation threshold before a warning period ends; locked collateral is unavailable for ordinary withdrawal.[38][37]

International payments convert local funding through stablecoins behind the interface and pay a recipient’s bank account. The recipient need not hold a Buda account. The quote should show the destination amount; remittance destinations are not automatically jurisdictions in which the recipient can open a trading account.[1]

Verified personal referrers earn 20% of an accepted new customer’s trading fees for one year from account creation. The programme requires the referral link at registration, excludes companies absent express permission, and ends future accrual when the referral relationship terminates. Tax documents or withholding can affect the credited amount.[36]

The help guide sets a US$5-equivalent payout threshold. Credits can mix fiat and crypto according to the referred trades; payment history appears in the account. An accrued estimate is not already cash in a bank, and conversion or withdrawal can incur the normal charges.[35]

If a referral reward arrives in a fiat currency for which the referrer has no own-name bank account, the agreement requires conversion through crypto or into an eligible withdrawal currency. The normal trading tariff applies to those conversions.[36]

The authenticated API supports order placement/cancellation, balances and fiat/crypto withdrawal requests, including simulation parameters. Credentials can therefore expose funds as well as trading instructions. Audit the permissions granted to any integration; closing its screen does not cancel resting orders or revoke its credentials.[17]