Ripio provides a unified crypto platform for Latin American retail and enterprise users, combining a mobile wallet, exchange, DeFi yield engine, and a Visa‑compatible crypto card for everyday payments. It also offers institutional OTC trading and Crypto‑as‑a‑Service APIs with high‑liquidity pools, compliance‑ready onboarding, and MPC‑based custodial security.
Funding
$50M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
DCFounders
Product
Problem
Retail users and businesses in Latin America face fragmented access to cryptocurrency services—buying, selling, earning yields, and integrating crypto functionality into existing platforms often require multiple providers, manual processes, and limited liquidity. This hampers adoption and efficient use of digital assets across the region.
Solution
Ripio delivers a unified crypto platform that combines a mobile wallet, exchange, and DeFi yield engine for individual users, while offering institutional-grade OTC trading and Crypto‑as‑a‑Service (CaaS) APIs for enterprises. The solution enables instant crypto purchases, secure custodial storage, and automated yield generation without locking funds. A Visa‑compatible crypto card extends on‑chain balances to everyday payments with cashback rewards. For businesses, the B2B and Trading APIs provide seamless buy‑sell, transfer, and swap capabilities, backed by high‑liquidity pools and compliance‑ready onboarding. All services are secured with multi‑factor authentication, SOC 1/2 certifications, and a proof‑of‑reserves framework.
Target Audience
Retail cryptocurrency users seeking a single app for trading, payments, and yield, as well as banks, fintechs, and other enterprises that require integrated crypto infrastructure and high‑volume OTC services.
Features
- Mobile app wallet with QR‑code sending, real‑time price feeds, and support for over 400 tokens and major stablecoins.
- Integrated Crypto Card (Visa) that allows crypto or fiat payments worldwide, offering 2‑4 % cashback on crypto spend and 0.5‑1 % on fiat spend.
- Automated HOT yield product that accrues daily DeFi returns while keeping funds liquid and unblocked.
- OTC desk for high‑volume trades, providing personalized support, competitive pricing, and rapid settlement.
- Crypto‑as‑a‑Service APIs (B2B and Trading) enabling buy/sell, swap, and on‑chain transfers with MPC‑based custodial addresses and KYC compliance.
- Multi‑Party Computation (MPC) custody and proof‑of‑reserves verification to ensure asset safety and transparency.
- SOC 1 Type 2 and SOC 2 Type 2 compliance, 2FA/MFA security layers, and continuous monitoring via a status dashboard.
- White‑label widget and ramp‑up solutions for fiat on/off‑ramps, supporting local currencies across multiple LATAM markets.