Top 50 Digital Banking Core in LATAM

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.

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.

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.

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.

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.

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.

The startup offers a digital banking platform that enables direct financial transactions between individuals and businesses in Uberlandia, Brazil, eliminating the need for intermediaries. Its mobile application automates financial management, allowing users to make deposits and transfers quickly and efficiently within a unified ecosystem.

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.

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.

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.

Máximo is a digital banking platform that provides users with a fully online banking experience, allowing them to request a card and manage their finances through a mobile app in under three minutes. The platform addresses the need for secure, real-time transaction monitoring and offers cashback rewards on purchases, enhancing financial control for millennials and Generation Z.

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.

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.

This company provides multinational banking software solutions for financial institutions, offering features like password management, customer information management, multicurrency accounting, and financial statement generation. Their technology helps banks streamline operations and adapt to digital transformation.

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.

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.

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.

Liveb Bank is a digital bank offering online accounts and financial services. They provide customers with convenient access to banking solutions through a user-friendly digital platform.

Lulo Bank is a mobile banking app that offers zero-cost money transfers, high-yield savings accounts with 1% annual returns, and cashback rewards on purchases, addressing the need for affordable and efficient banking solutions. The platform enables users to access credit quickly, with funds disbursed in minutes, while promoting environmental sustainability through its carbon-neutral initiatives.

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.

Safera is a peer-to-peer lending and digital banking platform that enhances financial transactions through streamlined user interfaces and secure payment processing. The startup addresses the inefficiencies in traditional banking by providing faster access to loans and improved financial management tools for individuals and small businesses.

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.

ICA Bank operates a digital banking platform that offers payroll services, cash back rewards, and telemedicine access, specifically designed for corporate accounts and individual customers. By facilitating financial transactions and providing discounts through a network of over 25,000 establishments, the bank enhances local economic development and increases tax revenue for municipalities.

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.

CargoBank provides digital banking solutions tailored for carriers, fleet owners, and drivers, offering digital accounts and debit cards alongside wealth management services. This platform addresses the financial management challenges faced by transportation professionals, enabling them to efficiently manage their funds and investments in a single, accessible interface.

Frotabank offers a digital banking platform designed for truck drivers, providing a mobile app and physical branches at truck stops. The service simplifies financial management with features like Pix transfers, bill payments, and an international debit card, all without annual fees.

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.

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.

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.

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.

NG.CASH operates as an authorized payment institution, functioning as an electronic money issuer regulated by the Central Bank. The company serves as a banking correspondent for processing payments related to bills, consumer expenses, and taxes. Additionally, NG.CASH facilitates the offering of specific credit products through partnerships with established financial institutions.

Albo is a challenger bank that offers personal and business financial services, including debit and credit accounts, payroll management, savings, and cryptocurrency transactions, all without fees or commissions. The platform provides users with a comprehensive financial management solution, enabling them to control their finances and access credit quickly through a single app.

Yolo Bank utilizes AI-driven technology to analyze students' financial behaviors and provide personalized discounts, helping them manage tuition payments effectively. This platform addresses the challenge of student debt by offering tailored financial solutions that ensure affordability and reduce the risk of payment defaults.

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.

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.

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.

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.

DigiCash Technology Venture is an online digital bank that utilizes secure payment processing technology to provide users with reliable financial services. The platform addresses the need for accessible and stable banking solutions in a rapidly evolving digital economy.

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.

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.

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.

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.

The startup provides digital payment solutions tailored for cash users in Latin America, enabling seamless transactions through mobile wallets and QR code technology. This offering addresses the challenge of financial inclusion by allowing unbanked individuals to participate in the digital economy without needing traditional banking services.

PurpleCats offers a non-custodial digital banking platform that allows users to manage and utilize multiple cryptocurrencies alongside traditional currencies without prior conversion. By providing secure wallet services with two-factor authentication, the platform enables seamless transactions and payments in over 100 approved cryptocurrencies, addressing the complexity of using digital assets in everyday financial activities.

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.

Bankme operates a technology platform that enables users to establish mini banks for offering loans and receivables advances without the complexities of operational and financial management. This solution addresses the need for streamlined access to credit products, allowing businesses to enhance their financial offerings and capitalize on market opportunities.

BKG Bank offers a blockchain-based platform for managing cryptocurrencies, processing payments, and accessing prepaid debit and credit cards. The platform aims to provide users with a secure and efficient way to manage digital assets and traditional financial transactions in one place.

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.