OSMO is a regulated fintech platform that lets users hold, exchange, and spend multiple currencies—including Bitcoin, USDT, and local fiat—through a single app and a linked payment card. It offers instant international transfers via blockchain, Lightning, and Polygon networks, and supports cash withdrawals, bank transfers, and crypto wallet payouts, all backed 1:1 by bank accounts and cold‑storage Bitcoin holdings. The service aims to simplify banking by eliminating queues, paperwork, and hidden fees.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers in Central America face limited access to integrated financial services that combine fiat, crypto, and cross‑border payments, often requiring multiple accounts, physical cards, and slow traditional transfers.
Solution
OSMO provides a regulated, single‑app platform that lets users hold, exchange, and spend balances in local fiat, Bitcoin, USDT and other stablecoins. The app issues a Visa/Mastercard‑compatible physical card linked to the OSMO balance, enabling instant payments at over 10,000 merchants worldwide. Users can top up via credit/debit cards, bank transfers, cash or crypto, and withdraw cash, transfer to bank accounts, or move funds to any crypto wallet. International transfers are executed in seconds over Bitcoin, Lightning or Polygon networks, with no hidden fees. All assets are 1:1 backed by custodial bank accounts (fiat) and cold‑storage wallets (Bitcoin), and the platform employs identity verification and end‑to‑end encryption for security.
Target Audience
OSMO targets retail consumers and small businesses in Guatemala, El Salvador, Costa Rica and the United States who need a unified solution for everyday spending, international remittances, and cryptocurrency management.
Features
- Multi‑currency wallet supporting fiat (GTQ, USD, etc.), Bitcoin, USDT and other stablecoins with instant in‑app conversion
- Physical Visa/Mastercard issued by regulated partners, usable at any merchant that accepts card payments
- Multiple top‑up methods: credit/debit cards, bank transfers, cash at affiliated agents, and direct crypto deposits
- Cash withdrawal options through affiliated agents, bank transfers, SINPE mobile, or crypto wallet transfers
- Cross‑border transfers in seconds via Bitcoin, Lightning Network or Polygon, with transparent fee structure
- Integrated crypto exchange and trading interface for buying/selling Bitcoin from $1 equivalents
- Regulatory compliance with El Salvador’s Superintendencia, 1:1 fiat backing, and 80% cold‑storage for Bitcoin holdings