José Schinocca
CEO
Valiu
Valiu is a fintech platform that lets businesses open bank‑grade, multi‑currency accounts in seven major currencies with no minimum balances or maintenance fees. It provides real‑time FX trading across up to 13 currency pairs at competitive rates and enables free inbound and outbound international transfers via SWIFT, IBAN, SPID and SPEI, all backed by IPAB‑guaranteed, regulated banking infrastructure.
- Blockchain & Cryptocurrency
- Financial Technology
- Software Only
Updated 5 months ago
Funding
Raised to date
$6.5MRaised 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.
Funding rounds are not available yet.
Founders
Product
Problem
Businesses that operate across borders often face high fees, slow settlement times, and limited access to multi‑currency bank accounts, making it difficult to manage foreign exchange risk and receive payments from international clients efficiently.
Solution
Valiu provides a fintech platform that enables companies to open bank‑grade accounts in seven major currencies without minimum balances or maintenance fees. Through a partnership with Banco Base, the service offers real‑time foreign‑exchange trading at competitive rates across up to 13 currency pairs, and allows inbound and outbound transfers via SWIFT, IBAN, SPID and SPEI with no sending fees. Transactions are processed on a regulated, IPAB‑guaranteed infrastructure, giving users the security of a traditional bank while benefiting from digital speed and transparency. The dashboard lets firms monitor balances, set price alerts, and reconcile payments instantly, giving them full control over cash flow and FX exposure.
Target Audience
Primary customers are midsize and large enterprises, import‑export firms, and SaaS providers that need to receive and send payments internationally while managing foreign‑exchange risk.
Features
- Multi‑currency accounts in MXN, USD, EUR, CAD, JPY, GBP, and CHF with zero opening or maintenance costs
- Direct FX trading on 13 currency crosses at market‑competitive rates, powered by Banco Base’s liquidity network
- Free inbound payments from any country and fee‑free outbound transfers in minutes via SWIFT, IBAN, SPID, and SPEI
- Real‑time transaction monitoring, price‑alert automation, and consolidated reporting in a single web interface
- IPAB‑guaranteed account protection and CNBV/Banco de México regulatory compliance through the Banco Base partnership