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.

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.

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.

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.

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.

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 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.

Zoop provides APIs and SDKs that enable businesses to create, offer, and manage financial services under their own brand. Their platform democratizes access to payment methods and financial services in Latin America, simplifying development and reducing bureaucratic hurdles.

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 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.

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.

Emprex offers a white‑label credit platform that integrates via API or WebView into digital services, enabling users to obtain instant loans funded by Emprex’s own capital. The solution includes proprietary AI risk scoring, real‑time approval, and PIX disbursement, while platforms earn revenue through profit sharing without bearing financial risk. It provides a fully customizable, bank‑grade secure interface and real‑time analytics to drive engagement and reduce churn.

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.

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.

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.

Zebra Insurtech provides an Insurance as a Service (IaaS) platform, Ztech, enabling Fintechs to easily embed and sell customizable, affinity insurance products. The platform integrates subscription and claims resolution APIs, offering Fintechs a new revenue stream with plug-and-play implementation. For insurers and brokers, it creates new, fully digital distribution channels with reduced operational friction.

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.

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.

Depasify offers a platform that connects Web3 projects with essential resources and services, facilitating rapid access to tools necessary for development and scaling. This addresses the challenge of resource scarcity in the decentralized ecosystem, enabling projects to launch efficiently without delays.

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.

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.

This startup develops a technology platform that connects insurance providers, reinsurers, and end-users through real-time data analytics and automated IT infrastructure to deliver climate insurance solutions. It addresses the financial vulnerability of individuals and businesses affected by natural disasters by providing timely access to coverage and support.

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.

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.

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.

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.

Parsa offers an automated personal finance management platform that utilizes Open Finance and Artificial Intelligence to categorize transactions and provide detailed financial insights. By eliminating manual processes, Parsa enables users to efficiently track their spending and achieve their financial goals with real-time budget monitoring.

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.

Fundsfy combines banking services with an investor marketplace, allowing users to manage and grow their finances in one platform. This integration addresses the challenge of fragmented financial management by providing a streamlined solution for both banking and investment needs.

BRX is developing a blockchain infrastructure that integrates traditional finance (TradFi) with decentralized finance (DeFi) by utilizing smart contracts and traditional legal frameworks to enhance capital market efficiency. This solution addresses the challenges of asset management and system integration, providing stakeholders with improved accessibility and security in Brazil's tokenized economy.

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.

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.

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.

Trace Finance provides an enterprise payments platform that unifies fiat and stablecoin flows through a single API, leveraging Brazil’s PIX network to convert BRL to major stablecoins in under one minute. The service includes multi‑currency virtual accounts, real‑time FX pricing, automated KYC/AML compliance, and cross‑border settlement across 15+ jurisdictions for crypto exchanges, fintech platforms, and corporate treasury operations.

Fintoc provides an operating system for payments designed to help businesses scale their revenue and operations. The platform offers tools for optimizing online payments through a smart checkout and managing predictable income via recurring billing systems. It integrates AI agents for support and collections, alongside robust APIs for connecting internal financial systems.

Provides APIs for payment processing, foreign exchange, and cross-border banking, enabling high-volume businesses to conduct secure local and international transactions. Simplifies currency conversion, risk management, and compliance through integrated solutions tailored for industries like e-commerce, iGaming, and fintech.

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.

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.

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.

Xpendit provides automated expense management software that simplifies and secures corporate spending processes. The platform uses AI to automatically review expenses against company policy in real-time, ensuring compliance and reducing manual effort. It integrates directly with major ERP systems and offers a highly accessible user interface, leading to high adoption rates.

Mavryk Finance operates a decentralized finance ecosystem that allows users to securely borrow and earn by utilizing their assets as collateral in non-custodial multi-collateral vaults. The platform's DAO governance structure empowers users to participate in decision-making while ensuring transparency and control over their financial activities.

InvestPlay utilizes Open Finance technology to provide hyper-personalized financial management solutions that aggregate customer data across various institutions. This enables users to gain a comprehensive view of their finances, improving decision-making and enhancing financial health.

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.

Num Network provides a platform for minting tokenized Real World Assets (RWAs) such as stocks, commodities, and fixed income securities, ensuring compliance and security through advanced blockchain technology. By enabling businesses to access and manage these assets via stablecoins and APIs, Num Network addresses the challenge of scaling operations in emerging markets with efficient financial tools.

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 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.