The yellow‑white stippling and rapid leaf loss on your Pachira, despite careful watering, point to spider mites. They're tiny, but their eggs (clusters on leaf undersides) and damage pattern are diagnostic.
Mix 50% 70% rubbing alcohol, 50% distilled water, plus several drops of dish soap (Dawn works well). Shake and spray thoroughly, especially leaf undersides. Repeat every 5–7 days until no mites or eggs are seen.
Commercial miticides often fail due to resistance. Alcohol‑soap acts physically, not chemically, so resistance doesn't develop. Consistency is the key.
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