Top 50 Embedded Finance in Latin America

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.

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.

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.

Pluggy provides an Open Finance API that enables developers to access and manage users' financial data, including account balances, transactions, and investment details. This technology facilitates personalized financial experiences and instant payment initiation, addressing the need for streamlined financial data integration in application development.

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.

Magie is a smart banking solution integrated within WhatsApp, allowing users to make Pix transfers and pay bills through text, audio, or image commands without needing a separate app. This service simplifies financial transactions and enhances user convenience by automating payment management and providing 24/7 human support, all while ensuring data security through encryption and authentication measures.

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.

Clara provides a SaaS platform that combines corporate credit cards, a digital business account, and AI‑driven spend analytics into a single financial management solution. The system automates expense capture, enforces purchase policies at checkout, and routes reimbursements while streaming transaction data to a cloud analytics engine that detects anomalies, forecasts cash flow, and suggests cost‑saving actions. Open APIs and pre‑built ERP connectors deliver consolidated dashboards and exportable reports, with PCI‑DSS‑compliant security controls.

Kamino provides a financial management software that integrates banking and payment functionalities, allowing medium-sized businesses in Brazil to automate accounts payable and receivable, cash flow management, and bank reconciliation. This platform reduces manual processing time by up to 72%, enabling companies to make informed financial decisions with real-time data and automated reporting.

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.

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.

Konfío provides a fully digital financial platform for Mexican SMEs that combines unsecured business loans up to MXN 5 million with a corporate Visa/Mastercard linked to instant SPEI transfers. The service includes a cloud‑connected POS terminal and an expense‑management dashboard that auto‑reconciles transactions, exports data via API, and supports configurable installment plans. By unifying credit, spending, and payment collection under CNBV‑regulated compliance, it reduces administrative overhead and improves cash‑flow visibility.

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.

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.

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.

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.

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.

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 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.

The startup offers a smart finance platform that standardizes financial reporting for investee companies, enabling professionals in controllership to enhance data analysis efficiency. By simplifying operational processes, the platform allows financial advisors and accounting firms to increase service delivery and improve client outcomes.

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.

Personal Pay is a mobile application that functions as a digital wallet, enabling users to manage payments, savings, and financial transactions in a single platform. The app provides real-time tracking and control over personal finances, addressing the challenge of fragmented financial management tools.

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 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 provides a financial services platform that automates treasury functions, enabling businesses to efficiently transfer funds to customers, suppliers, and banks. By reducing transfer costs and streamlining operations, the platform addresses the slow and costly nature of traditional money movement.

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.

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.

Delt.ai provides a digital platform for business finance management, offering a revolving credit line and instant SPEI® transfers to streamline cash flow for growing companies. By automating payment processes and enabling quick access to credit, Delt.ai addresses the challenges of liquidity and operational efficiency faced by businesses in Mexico.

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.

Clip provides an integrated payments platform for micro‑ and small businesses, combining mobile POS terminals with a cloud‑based app that processes card, QR and online payments, manages inventory, and offers real‑time sales analytics. The solution includes a digital account with instant fund settlement, a Visa‑linked debit card, and on‑demand working‑capital loans, all secured with PCI‑DSS compliance and 24/7 fraud monitoring. Transaction fees are a flat 3.6 % + IVA, with additional revenue from service‑bill payments and mobile top‑up commissions.

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.

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.

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.

The startup offers a decentralized lending platform that leverages artificial intelligence and open finance technology to aggregate financial data from multiple institutions through a single link. This platform transforms raw data into actionable income, credit, and consumer profiles, enabling SMEs to expedite payment collections and improve cash flow management.

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 offers a financial platform that enables businesses to manage recurring payments and subscriptions through online authorization of Payment Authorization Codes (PACs) using integrated code solutions. By collaborating with industry leaders, the platform provides transparency and efficiency in financial operations, addressing the complexities of subscription management and payment processing.

Klavi develops an open finance platform that utilizes data aggregation and analytics to enhance credit risk assessment, onboarding, and personalized financial offerings. By providing over 97% accuracy in data categorization, Klavi enables businesses to increase credit approval rates by 15% and reduce operational costs by 20%.

88i is a digital insurance provider that offers embedded insurance solutions tailored for delivery operations, ensuring real-time coverage for both goods and delivery personnel during transit. By utilizing data analytics and AI, 88i creates customized insurance plans that enhance operational efficiency and reduce risk for businesses in Brazil's massive digital ecosystem.

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.

The startup develops financial management software specifically for building and condominium administration, automating income, expense, fund, and salary calculations. This solution enables clients to access real-time financial data and community updates, enhancing transparency and accountability among residents.

The startup offers an artificial intelligence-based sales finance platform that integrates with banks' and fintechs' transactional systems to provide automated user engagement through robotic support. This technology enhances conversion rates in the credit and consortium market by increasing productivity and reducing operational costs for financial institutions.

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.

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.

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.

Provides a unified API that enables businesses to integrate directly with banks across Latin America and the United States, facilitating real-time account-to-account payments, QR-based collections, and bank account validation. This streamlines financial operations for industries such as e-commerce, lending, and payment gateways by reducing transaction failures, lowering costs, and automating treasury management.

Monifai offers an online personal finance platform that employs data analytics and machine learning algorithms to provide users with personalized budgeting and investment insights. The service enhances financial literacy by delivering actionable recommendations that improve users' overall financial health.

eCLUB is a fintech platform that provides a mobile app for managing personal finances, offering features such as instant money transfers, bill payments, and a credit-building VISA card. The service addresses the lack of accessible banking solutions in Latin America by enabling users to easily obtain credit and manage their financial activities from their smartphones.

Finket is a fintech platform that offers a secure mobile application for managing personal finances, including online payments, expense tracking, and goal-based savings. By utilizing biometric authentication and encrypted transactions, Finket simplifies money management and enhances user security, allowing customers to efficiently control their finances from a single app.

Trybo is a decentralized credit platform that connects DTC brands with their communities for financing, bypassing traditional banking. The platform offers embedded financial tools and credit analytics to provide SMBs with access to capital, particularly in Latin America. This enables faster and more transparent funding for emerging businesses.

This startup develops financial software tailored for accountants, featuring NFC-enabled payment cards for seamless online and offline transactions, along with tools for bill payments and money transfers. The platform enhances cash management and credit score insights, enabling businesses to leverage existing client relationships for increased revenue generation.