Top 50 Embedded Finance in LATAM

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.

UY3 offers an embedded finance platform that streamlines the entire credit lifecycle for businesses, enabling electronic contract issuance, rapid account opening, and multi‑account management in a single dashboard. The solution includes a dedicated payment wallet, instant boleto registration with 20‑minute confirmation, and comprehensive risk and compliance tools such as KYC, antifraud, SCR checks, and credit scoring, allowing fintechs, retailers, marketplaces, and SMEs to launch credit products quickly without traditional banking bureaucracy.

Yativo provides businesses with embedded finance infrastructure to manage cross-border payments programmatically. The platform enables collection and sending of funds globally using stablecoins and local payment rails. This solution integrates card issuing, virtual accounts, and treasury functions through white-labeled APIs.

Dinie provides embedded lending services for B2B platforms, enabling businesses to offer customized credit products and payment solutions to their clients without the need for banking infrastructure. By leveraging a simple API integration, Dinie allows partners to enhance customer engagement and generate new revenue streams through accessible financing options.

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.

Kravata provides a modular fintech stack that lets businesses embed secure, multi‑currency financial services—such as global accounts, stable‑coin conversions, card issuance, and reward‑based earnings—directly into their products via white‑label widgets, RESTful APIs, and a low‑code web app. The platform also includes Compliance‑as‑a‑Service to automate KYC/AML checks, enabling fintechs, marketplaces, e‑commerce, and SaaS providers to launch digital finance features quickly and with minimal development effort.

Credix offers an embedded B2B credit platform that lets merchants extend instant financing at checkout through API‑driven integration. The service automates underwriting to approve credit in under two minutes, transfers the credit risk to Credix, and provides real‑time dashboards so sellers can boost order values while protecting their margins.

Capim provides a cloud-based management platform for dental clinics that integrates patient scheduling, financial tracking, and embedded financing options for treatment payments. This solution addresses the inefficiencies in payment processing and patient financing, enabling clinics to streamline operations and enhance patient loyalty.

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.

The startup operates an end-to-end financial ecosystem platform that integrates point-of-sale systems, e-commerce transactions, and PIX payments into a single interface. This platform simplifies financial management for business owners by enhancing transaction security and streamlining payment processes.

The startup operates a financial platform that enables B2B SaaS startups to extend their operational runway and finance customer acquisition costs without equity dilution. By providing tailored financial solutions, the platform allows these companies to maintain control over their growth trajectory while optimizing resource allocation.

Pluggy provides a unified Open Finance API enabling businesses to securely access user financial data and initiate payments. The platform offers tools for data enrichment, automatic Pix recurring charges, and credit portability experiences. This allows clients to build integrated financial products and automate transactions directly within their applications.

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.

Mono offers a white‑label fintech platform that lets businesses quickly launch branded virtual and physical Visa cards, digital wallets, and real‑time payment flows without building the underlying infrastructure. Through a unified Ledger API, companies can embed wallet creation, balance queries, transaction history, PSE payments, instant transfers, and mass payouts, all connected to major Colombian banks. The solution handles compliance and banking relationships, enabling rapid product rollout and giving enterprises direct control over their financial operations.

The startup provides a white-label payment infrastructure for B2B companies, enabling them to integrate customized payment solutions into their existing systems. This technology allows businesses in Latin America to enhance revenue streams and improve customer loyalty through tailored financial services and rapid scalability.

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.

The startup offers a financial services platform that enables micro, small, and medium-sized enterprises to access prepayment of receivables through Credit Rights Investment Funds (FIDCs) and securitization companies. By providing guaranteed working capital and financial management tools, the platform helps businesses improve cash flow and enhance their competitive position in the market.

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.

Shinkansen provides an API‑first financial infrastructure that links mid‑size enterprises, e‑commerce platforms, and fintechs in Chile, Mexico, and Peru to multiple banks and payment networks. Through a single integration, companies can automate payouts, payins, treasury management, lending, investments and insurance while receiving real‑time reconciliation and cash‑flow visibility, reducing manual effort and compliance risk.

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.

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.

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 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.

Finerio Connect provides an API for Open Banking and Personal Finance Management in Latin America, enabling the integration and management of personal and third-party financial data. The platform enhances financial analytics and customer experiences for banks and lenders, facilitating real-time risk assessments and compliance with local regulations.

RecargaPay is a payments superapp that integrates credit and debit card processing, instant payment methods like Pix, and Open Finance to facilitate seamless financial transactions for over 7 million users in Brazil. The platform provides essential services such as bill payments, mobile top-ups, and loans, catering to both banked and unbanked populations while enhancing accessibility and affordability in mobile payments.

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.

Belvo is an open finance platform that enables financial institutions in Latin America to securely access and analyze diverse financial data while facilitating instant account-to-account payments. By providing enriched insights and seamless payment solutions, Belvo enhances customer engagement and optimizes financial decision-making for businesses across various sectors.

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.

KLYM is a financial services platform that provides a multi-bank, multi-currency working capital solution for companies, utilizing data-driven technology to optimize receivables and enhance cash flow management. The platform addresses the need for real-time financial services by offering tailored financing options, including supply chain finance and vendor financing, to improve operational efficiency for businesses of all sizes.

Lina provides a cloud‑native platform that unifies Open Finance data integration and instant PIX payment processing for Brazilian banks, fintechs, and merchants. Through standardized REST and WebSocket APIs, built‑in regulatory compliance, and a real‑time settlement engine, the service enables rapid, secure integration and scalable transaction handling with a single dashboard for monitoring and analytics.

The startup offers a digital financial aid platform that enables parents to finance their children's education through competitive interest rate subscriptions covering tuition, books, and uniforms. This solution addresses the financial barriers that prevent families from accessing quality education.

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 finance credit operations platform that enables startups and non-financial companies to access customized financing options and streamline their credit management processes. By reducing bureaucratic hurdles and simplifying transactions, the platform enhances financial efficiency for users and customers.

The startup offers a decentralized protocol platform that provides tailored DeFi options, including put and call options, for cryptocurrency asset management. This enables users to hedge against market volatility, protect their portfolios, and maximize returns on their investments.

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 offers a financial management platform that automates processes such as bank reconciliation and document processing, allowing users to convert images of invoices and payment slips into actionable financial data. This technology enables businesses to maintain complete control over their finances while significantly reducing the time spent on manual financial management tasks.

Kiban provides a financial management platform that centralizes processes for businesses of all sizes, integrating APIs for payment reconciliation, onboarding automation, and data orchestration. This solution reduces manual tasks and streamlines financial operations, enabling companies to enhance efficiency and control over their financial workflows.

The startup develops a digital payments platform that integrates seamlessly with various applications, enabling straightforward connections to financial systems. This technology enhances transaction efficiency, driving increased customer traffic to retail locations that utilize the application.

The startup offers a finance management platform that integrates accounting, inventory management, and payroll functionalities while providing partial payment options for customers. This solution enables businesses to enhance product affordability through installment payment features, addressing cash flow challenges and improving sales conversion rates.

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.

Finbits provides an all-in-one finance solution for Latin American treasury teams, integrating bank accounts, payment systems, ERPs, and accounting software. The platform automates financial processes, saving time and providing easier access to financial products through data-driven insights.

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.

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.

The startup offers a digital transformation platform that utilizes AI and computer vision to extract data from documents and automate workflows, creating digital twins of real-world systems. This technology enables clients in finance, education, and manufacturing to enhance operational efficiency and make informed decisions based on accurate data representation.

Abmex is a payment platform that offers a White Label solution, enabling businesses to integrate financial services under their own brand while managing transactions through a secure payment ecosystem. This approach eliminates reliance on third-party processors, allowing companies to enhance customer relationships and generate recurring revenue streams.

The startup operates a financial platform that provides personalized financial planning services to enhance employees' financial health and well-being. By offering tailored financial empowerment tools, the company helps individuals achieve financial balance and improve their overall personal finance management.

Iniciador is a regulated Open Finance platform that facilitates payment initiation and financial data access through a white-label solution, integrating anti-fraud measures and compliance management. The platform enables businesses, with or without regulatory licenses, to streamline payment processes and enhance customer onboarding while reducing operational friction.

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.

Digiventures provides digitalization solutions for financial institutions, enabling them to enhance their service delivery and reach underserved customer segments. By implementing data-driven technologies, the company promotes financial inclusion and improves access to banking services for all users.