Top 50 Digital Banking Core in LATAM

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.

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.

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.

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.

C6 Bank provides a fully digital banking platform in Brazil that combines a fee‑free current account, credit cards, personal loans, investment products, and life‑insurance within a single mobile app. The service enables instant account opening, real‑time payments via PIX, and integrated portfolio management, reducing the need for multiple providers and lowering overall costs for consumers.

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.

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.

Nubank provides a fully digital banking platform that includes a no‑annual‑fee Mastercard credit card, a fee‑free account, and mobile‑first tools for payments, Pix transfers, bill pay, and goal‑based savings containers that earn CDI‑linked returns. It also offers premium products like the Ultravioleta Mastercard Black with cashback and points, and a Nu Empresas card for businesses with real‑time expense tracking and credit limits, all secured with virtual cards, fraud alerts, and 24/7 support.

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.

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.

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.

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.

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.

Baz is a super‑app embedded within the Banco Azteca mobile application that lets customers open and manage a Baz account without leaving the bank’s app. It consolidates core banking functions—balance viewing, transfers, and transaction history—into a single, mobile‑optimized dashboard, simplifying everyday money management for Banco Azteca users.

Movii provides a cloud‑native digital banking platform in Colombia that lets users open a prepaid Mastercard‑linked account in minutes via a mobile app and perform instant peer‑to‑peer transfers, QR payments, bill payments, mobile top‑ups, and cross‑border remittances without hidden fees. For businesses, Movii offers an API suite to embed collection, payout, and custom transactional services into their own products, all backed by real‑time processing and regulatory compliance.

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.

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.

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.

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.

Techreo is a mobile‑first platform that consolidates a digital account, virtual debit card, peer‑to‑peer payments, bill‑pay, and a suite of credit, savings and investment products into a single app for Mexican consumers and micro‑entrepreneurs. By handling onboarding through photo‑based ID capture and offering low‑minimum‑balance investment options and financial‑education modules, it streamlines money management and reduces the need for multiple separate financial apps.

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.

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.

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.

Z1 is a payment institution that migrates Gen Z users in Brazil and Latin America to the NG.CASH digital banking app. It offers a three‑step, one‑tap migration that transfers existing Z1 balances into a NG.CASH account, giving users immediate access to mobile‑first payment, transfer, and budgeting tools while providing support via email and in‑app chat.

Eltropy provides a unified digital communications platform that integrates voice, text, and AI to enhance member engagement for credit unions and community banks. By streamlining communication across multiple channels, the platform reduces operational silos and improves customer service efficiency, resulting in measurable benefits such as faster lending and lower delinquency rates.

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.

Baasic provides an infrastructure platform enabling ERPs, CRMs, and SaaS companies to embed financial services like credit, payments, and digital accounts directly into their software. The platform centralizes modern RESTful APIs, banking orchestration, and built-in regulatory compliance, including KYC and AML processes. This allows technology providers to offer white-label financial products quickly without developing fintech capabilities internally.

n1co is a neobank that provides instant account creation and a dual-benefit card that offers cashback and co1ns on every transaction. It enables users to send and receive funds in two seconds, ensuring secure and efficient banking for individuals and businesses in Central America and the Caribbean.

Bankaya provides a mobile application that enables unbanked and underserved populations in Mexico to access credit for mobile phones and household appliances without requiring a credit history or traditional banking infrastructure. By utilizing an offline customer acquisition strategy, Bankaya facilitates immediate credit approval and offers competitive savings accounts with up to 7% annual interest, promoting financial inclusion and digital empowerment.

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.

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.

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.

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.

Kab is a mobile‑first financial platform that offers a fee‑free digital bank account combined with an on‑demand credit line. Users can access a virtual single‑use card, withdraw cash, and repay in flexible bi‑weekly installments, while also sending instant peer‑to‑peer transfers via username, phone number, or QR code and paying utilities with one‑tap barcode scans. Real‑time balance updates, spending limits, and biometric security help control spending and protect against fraud, and instant cash‑back rewards encourage continued use.

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 offers a white-label banking platform that enables non-financial businesses to provide customized financial services, including account management, deposits, and foreign exchange transactions, under their own brand. This platform enhances brand recognition and credibility while allowing companies to optimize their profitability through integrated financial solutions.

The startup offers a digital platform that utilizes blockchain technology and machine learning algorithms to enhance the management of financial assets and personal well-being. By providing transparent and secure financial services, the company addresses the need for reliable and equitable access to financial management tools.

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.

The startup provides white-label financial services that enable companies to offer prepayment and credit solutions secured by receivables. By specializing in card customization and internet banking systems, it allows businesses to implement their own acquiring modules, enhancing operational flexibility and market competitiveness.

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.

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.

KillB provides a developer‑first API that gives businesses instant access to compliant USD bank accounts, automated AML/KYC onboarding, real‑time account monitoring, and low‑cost borderless payments. The platform handles fraud detection and regulatory compliance across Mexico, Colombia, Brazil, and the United States, offering multi‑user access, permission controls, and automated disbursements so fintechs, e‑commerce, and SaaS companies can embed banking services quickly and securely.

EQIBank is a global digital bank that offers traditional banking services, including multi-currency accounts and custody solutions, specifically designed for corporations and businesses operating internationally. By providing secure online banking and 24/7 access to funds, EQIBank addresses the challenges of managing financial operations across different jurisdictions without direct taxation.

J17 Bank offers a Banking-as-a-Service (BaaS) platform enabling fintechs and originators to launch and manage their own credit operations. The platform provides digital account management, payment processing, and credit card issuance, all supported by regulatory compliance and fraud detection. This allows businesses to accelerate product launches and access capital markets with white-label credit solutions.

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.

Kanal Open Finance provides digital financial services, including accounts, cards, insurance, and credit, tailored for entrepreneurs and professionals. Their platform connects individuals and businesses to a suite of financial products, creating an integrated financial ecosystem.

K8bank provides a cloud-native core banking platform designed for financial institutions. Its modular architecture supports credit management, payment processing, and various financial solutions, enabling banks to modernize their operations and launch new products efficiently.

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.

Teip is a platform that offers digitally-native financial services through a user-friendly interface, specifically designed for individuals and small to medium-sized enterprises (SMEs). It provides streamlined access to essential financial solutions, catering to the needs of underserved markets with limited service options.

Vuelo is a fintech that provides digital banking solutions, including payment processing, digital accounts, and personalized financial services for retail businesses. By simplifying financial management and offering transparent pricing, Vuelo addresses the challenges of access to quality financial services for entrepreneurs.