Top 50 Digital Banking Core in Latin America

Pismo provides a cloud‑native core‑banking platform built on microservices that delivers real‑time account and transaction processing. The API‑first architecture enables banks, neobanks and fintechs to configure and launch card and deposit products within weeks, with built‑in AML/KYC, fraud detection and regulatory reporting. Elastic scaling and a unified analytics dashboard ensure high availability and operational visibility across digital channels.

Pismo provides a cloud‑native, API‑first platform that consolidates core banking, card issuing, digital wallets, lending and merchant‑payment services into a single, multi‑tenant solution. Built on containerized microservices orchestrated by Kubernetes, it offers RESTful and gRPC APIs, PCI‑DSS tokenization and real‑time event streaming to enable banks, neo‑banks and payment processors to launch and scale digital products quickly while reducing infrastructure complexity.

Lerian is a core banking platform built on an open-source ledger that supports double-entry transactions and smart contracts, enabling secure and scalable management of financial operations. It addresses the need for robust infrastructure in financial services by providing a customizable, white-label solution that can handle millions of transactions daily.

The startup provides a fully digital banking platform that combines fee‑free checking accounts, a no‑annual‑fee credit card, high‑yield “Caixinhas” savings containers, and an integrated investment hub within a single mobile app. Users can open accounts instantly via biometric verification, manage cards in real time, execute instant Pix transfers, and share open‑finance data, while small‑to‑medium businesses access a dedicated suite for payments, credit lines, invoicing, and automated tax reporting. The model monetizes through interchange fees, interest on credit balances, a subscription tier, and foreign‑exchange spreads, delivering a low‑cost, all‑in‑one solution for digitally‑savvy consumers and enterprises.

Matera provides instant payment solutions, QR code payment systems, and core banking technology for financial institutions, enabling real-time transaction authorizations and balance updates. The platform supports over 300 million instant payments monthly and facilitates QR code generation for seamless mobile transactions, enhancing operational efficiency for banks and credit unions globally.

C6 Bank is a digital bank that provides a suite of financial services through its mobile app and online platform, enabling users to manage their banking needs efficiently. The platform addresses the challenges of traditional banking by offering seamless access to services such as account management, payments, and financial planning, all from a single digital interface.

Hey Banco is a digital banking platform that allows users to manage their finances through a mobile app, offering services such as account creation, savings, investments, and insurance without the need for physical branches. The platform addresses the inefficiencies of traditional banking by enabling quick transactions and financial management directly from a smartphone, enhancing accessibility and convenience for users.

will bank is a digital banking platform that offers streamlined online account management and transaction processing through secure, cloud-based technology. It provides users with easy access to financial services, addressing the inefficiencies and limitations of traditional banking systems.

Provides a white-label platform for embedded finance in Latin America, enabling fintechs and financial institutions to launch digital banking solutions, including lending, payments, and wallets, within weeks. The platform integrates natively with core systems and third-party providers, streamlining the development of end-to-end financial programs. By offering tools like real-time payments, digital onboarding, and an admin dashboard, it reduces the time and complexity of deploying financial services.

The startup offers a mobile banking platform that enables users to conduct digital payments, manage savings, and access essential financial services directly from their smartphones. By providing a user-friendly interface for secure transactions, the platform addresses the need for convenient and efficient banking solutions in a digital-first economy.

Cuenca is a digital banking application that allows users to open electronic payment accounts quickly and conduct real-time transfers using their CLABE interbank number, accessible 24/7 across Mexico. The platform addresses the need for convenient financial services by enabling users to manage their funds, pay bills, and transfer money through a mobile app without requiring traditional identification.

Nexa is a fully digital neobank in Guatemala that enables users to open accounts in under three minutes and conduct banking operations via a mobile app, including ACH transfers, bill payments, and fixed-term deposits. The platform addresses the need for accessible and efficient banking services by offering transparent, digital loans and savings tools, eliminating the complexities of traditional banking.

Ualá is a digital banking application that enables users to manage their finances through features such as a remunerated account, personal loans, and investment options in various financial instruments. The platform addresses the need for accessible financial services by allowing users to perform transactions, pay bills, and invest directly from their mobile devices without hidden fees.

Fondeadora is a digital banking platform that utilizes a regulatory-compliant framework to provide efficient financial services, eliminating the delays and complexities of traditional banking. By offering streamlined account management and transaction processing, it enhances accessibility and transparency for both individuals and businesses in Mexico.

akaunt offers a regulated digital banking solution that utilizes a proprietary stablecoin, AKDD, and a digital wallet to facilitate secure transactions in USD. This platform addresses the need for a reliable and transparent method for users to manage and save their assets in a digital format while ensuring compliance with financial regulations.

The startup operates an online digital bank that provides unbanked individuals with access to financial services, enabling them to manage payments, invest in education, and build businesses. By enhancing existing payment models, the company promotes financial stability and independence, allowing users to effectively navigate financial risks and shocks.

This fintech startup provides a cloud-based platform that facilitates digital onboarding, QR transactions, and identity validation for financial institutions. By enhancing mobile banking capabilities and implementing real-time fraud prevention measures, it improves customer engagement and operational efficiency for over 1.5 million users across 100 entities.

Mêntore Bank is a digital banking platform that combines financial services with an employee benefits system, enhancing operational efficiency for businesses and their employees. By streamlining financial management and providing tailored benefits, it addresses the need for improved financial wellness and engagement in the workplace.

Provides regulated banking services for businesses, combining traditional fiat accounts with digital asset custody and settlement capabilities. Enables seamless intrabank transfers, cross-border payments, and global spending through Visa cards, addressing the needs of enterprises navigating both legacy finance and blockchain ecosystems.

This digital bank provides accessible financial services in the Dominican Republic through a mobile-first platform. They offer services such as savings accounts, loans, and payment solutions designed to meet the needs of the local population.

NG.CASH is a digital banking platform designed specifically for GenZ, offering a prepaid virtual card and peer-to-peer payment features to facilitate financial literacy and responsible money management. The platform addresses the need for secure and accessible banking solutions for teenagers, enabling them to make informed financial decisions while maintaining parental oversight.

QI Tech provides a fintech platform with APIs that enable businesses to create and manage financial products, including credit issuance, digital banking, and fraud prevention tools. This infrastructure streamlines the financial service delivery process, allowing companies to enhance customer engagement and operational efficiency.

Franq provides a cloud‑based marketplace that lets experienced bankers operate as independent personal bankers, offering a digital storefront with over 150 credit, investment, insurance and financing products from more than 50 partner banks and fintechs. The platform includes an AI‑driven recommendation engine, real‑time proposal generation, integrated CRM and instant commission tracking, all delivered via web and mobile apps on a subscription basis. This enables bankers to sell tailored solutions faster while retaining full product depth without being tied to a single institution.

The startup develops a banking management system that integrates with settlement banks to provide tailored account opening models for unregulated financial institutions. This technology enables these institutions to manage accounting entries efficiently and offer personalized mobile and internet banking solutions to their customers.

Rappi Bank is a digital banking platform that provides a payment gateway enabling e-commerce businesses to accept credit, debit, and Pix payments through a simple integration with platforms like WooCommerce. The service offers same-day receivables and transparent transaction fees, addressing the cash flow challenges faced by online sellers.

Cora offers a digital account solution for small and medium businesses, providing features such as free PIX and TED transfers, unlimited boleto issuance, and a user-friendly app for account management. This platform eliminates traditional banking fees and bureaucratic processes, enabling businesses to manage their finances efficiently and focus on growth.

Baasic is a Banking as a Service platform that enables businesses to integrate financial services, such as digital accounts and payment solutions, directly into their existing operations without the need to become a bank. This approach allows companies to generate new revenue streams and enhance customer engagement through customized financial offerings, implemented within a rapid timeframe of up to 90 days.

Movii provides a digital financial platform that enables users to create accounts and access services such as money transfers, bill payments, and mobile recharges without traditional banking barriers. By utilizing a mobile app and a Mastercard® debit card, Movii empowers the unbanked population in Colombia to manage their finances efficiently and securely.

Autonomia financeira pra quem é jovem.nZ1 offers a digital banking platform designed specifically for young users, providing features such as budgeting tools and savings accounts to promote financial independence. The platform addresses the lack of accessible financial services for youth, enabling them to manage their finances effectively and build savings from an early age.

The startup provides a technology solutions platform that offers financial services such as savings, loans, and insurance to unbanked and underbanked individuals, utilizing digital product development tools for legacy financial institutions. This enables clients to access essential financial services and improve their digital transformation efforts, addressing the lack of accessible financial options in underserved markets.

FitBank is a Banking as a Service platform that provides a cloud-native infrastructure and proprietary APIs for companies to implement payment solutions, including PIX integration and credit services. This technology enables businesses to operate as financial institutions, enhancing transaction efficiency and reducing reliance on intermediaries.

This startup provides a digital banking platform tailored for retailers, streamlining the management and distribution of variable remuneration for sales teams. By enabling real-time performance tracking and efficient communication, the solution enhances sales processes and improves incentive alignment for businesses.

Kobana provides a unified API interface that connects internal systems to over 30 Brazilian banks, automating financial processes such as payments, balance updates, and collections. This integration streamlines banking operations, reducing manual effort and enhancing transaction security for businesses managing high volumes of financial data.

Mono provides a platform that enables banking organizations to quickly launch branded financial products, such as virtual wallets and customizable Visa cards, through its API. The solution addresses the lengthy development times typically associated with creating financial services, allowing businesses to efficiently manage payments and transfers in real time.

CondoConta is a digital banking platform specifically designed for condominiums and property managers, offering features such as automated issuance of condominium fees and guaranteed monthly revenue to ensure financial stability. By integrating with management systems, it streamlines financial operations, enhances transparency, and facilitates efficient fund management for property administrators across Brazil.

The startup offers a financial platform that enables users to receive and transfer money seamlessly through a mobile application and linked card, providing real-time tracking of transactions. By categorizing expenses and generating income reports, the platform helps clients gain better control over their financial management.

Fire Banking provides a Bank as a Service platform that integrates payment processing through the PIX system, enabling real-time management of transactions for businesses of all sizes. The platform offers customizable financial solutions that enhance security and efficiency, addressing the need for streamlined payment operations and cost-effective transaction management.

Swap provides a Banking as a Service (BaaS) platform that enables B2B businesses to create and integrate customized financial products, such as digital payment accounts and branded cards, using tailored APIs. This infrastructure addresses the need for efficient financial solutions by streamlining transaction processing, compliance, and risk management for merchants looking to enhance their service offerings.

Provides a suite of digital tools for identity verification, background checks, automated customer engagement, and electronic signatures, enabling businesses to streamline KYC processes, reduce fraud, and automate communication via WhatsApp. By integrating document validation, facial recognition, and AI-powered chatbots, it helps industries like banking, e-commerce, and real estate improve operational efficiency, compliance, and customer satisfaction.

Featbank provides digital financial solutions tailored for the fuel ecosystem, including digital accounts for individuals and businesses, integrated financial management, and online approval processes. The platform addresses the inefficiencies in financial operations for fuel distributors, gas stations, and their employees by streamlining transactions and enhancing payment transparency.

CB International Bank is a financial institution that offers a range of banking services, including loans, deposits, and investment products, utilizing secure digital platforms for efficient transactions. The bank addresses the need for accessible financial services in underserved markets, enhancing financial inclusion and customer engagement.

Baaskit provides a customizable financial services infrastructure that enables businesses to offer integrated payment systems, digital wallets, and personalized credit and insurance solutions without needing a banking license. This technology allows companies to enhance customer loyalty and streamline financial transactions, addressing the challenge of limited access to comprehensive financial services for their clients.

Brubank is a digital banking platform that enables users to manage their finances through a mobile application, offering features such as real-time notifications, secure biometric authentication, and instant transfers. It addresses the need for accessible banking services by providing a cost-free account setup and a range of financial products, including loans and investment options, all regulated by the Central Bank of Argentina.

The startup operates a financial technology platform that simplifies digital financial services in Latin America, enabling users to perform transactions, manage budgets, and access credit through a secure interface. By addressing the complexities of traditional banking, the platform enhances accessibility and efficiency for users seeking to manage their finances effectively.

This fintech platform provides digital allowance and financial education for children through a payment card. It enables kids to make physical and online purchases, check balances, and set financial goals, offering parents and children a digital banking experience.

DitoBanx is a fintech platform that facilitates on-chain and Lightning Network Bitcoin transactions, as well as USDC payments, enabling businesses to accept digital currencies at the point of sale and for international transactions. The platform eliminates the need for traditional banking by providing a digital wallet and a prepaid Mastercard, allowing users to manage their finances efficiently and securely without a bank account.

Linker is a digital banking platform that offers payment and financial services through a user-friendly interface, enabling businesses to manage their accounts and transactions efficiently. The platform addresses the need for streamlined financial operations by providing features such as account management, payment processing, and investment tracking, all within a secure digital environment.

Provides a digital private banking platform tailored for tech founders, offering services like an Equity Pool for investing in venture-backed companies, personal holding structures for asset protection, and a streamlined family office experience. This platform addresses the challenges of wealth management, liquidity, and financial planning by combining cashless transactions, exclusive investment opportunities, and access to a network of industry leaders.

DitoBanx offers a digital financial platform enabling users to hold USDC and Bitcoin accounts and spend globally with an international prepaid Mastercard. Businesses can utilize the platform for efficient cross-border money transfers and payroll processing, streamlining digital financial operations.

LetsBit provides a digital banking platform that facilitates local and cross-border payments, cryptocurrency trading, and savings through a user-friendly mobile app. The service offers features such as cashback on purchases, instant dollar transfers, and daily interest on deposits, addressing the need for accessible financial management and investment options.