The Cayo Perico Heist is a major heist in GTA Online, introduced in the Cayo Perico Heist update. It is unique because it can be completed entirely solo, though it also supports up to four players. The heist begins with a scouting mission on the island, where you identify primary targets (e.g., the Madrazo files, a pink diamond, or the Panther Statue during special events) and secondary loot (cocaine, gold, etc.). You then purchase a submarine as a base of operations and complete optional prep missions to acquire equipment like cutting torches, fingerprint cloners, and suppressors. The finale involves infiltrating El Rubio's compound, stealing the primary target, and escaping the island via plane, boat, or swimming.
Prices and payouts for the heist change with game updates; always check the in-game planning board for current costs and rewards. The heist requires a Kosatka submarine (approx. GTA$ 2.2 million) to start, but the submarine can be used for other missions. The heist has a cooldown of 144 minutes (real time) before you can replay it, unless you have the optional Panther Statue or other bonuses. It remains one of the best money-making methods in GTA Online due to its high payout and flexibility.
Key mechanics include stealth approaches (preferred for elite challenge), disruption missions (optional but recommended for solo), and the ability to choose approach vehicles (e.g., Longfin, Velum, or submarine). The elite challenge requires completing the finale in under 15 minutes, with no alarms, and a specific loot value. Successfully completing the heist rewards you with the primary target's value plus secondary loot, minus a 10% cut to Pavel (the heist crew member).
