Top 50 Open Banking Platform in Latin America

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.

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 develops a secure data-sharing platform that facilitates the integration of open banking, finance, and insurance data across various industries. By enabling clients to efficiently access and utilize critical financial information, the company enhances their digital transformation efforts and operational growth.

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.

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.

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.

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.

Finerio Connect provides an open finance platform for Latin American financial institutions to aggregate and analyze diverse financial data. Our solution enables personalized customer experiences, optimized lending through risk assessment, and streamlined compliance with regional open finance regulations.

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.

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.

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.

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.

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%.

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.

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.

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.

Franq provides a cloud‑based marketplace that lets experienced bankers operate as independent personal bankers, offering a digital storefront with over 150 credit, investment, insurance and financing products from more than 50 partner banks and fintechs. The platform includes an AI‑driven recommendation engine, real‑time proposal generation, integrated CRM and instant commission tracking, all delivered via web and mobile apps on a subscription basis. This enables bankers to sell tailored solutions faster while retaining full product depth without being tied to a single institution.

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.

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.

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.

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.

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.

Open Finance 2020 is a financial technology platform that connects corporations, startups, and entrepreneurs to facilitate collaboration and innovation in the fintech ecosystem. By providing networking opportunities and access to industry experts, the platform addresses the challenge of fragmented communication and resource sharing within the financial sector.

Provides a fully digital mortgage platform in Latin America that streamlines the home financing process by integrating open banking and credit bureau connections to reduce approval times from 14 weeks to 4 weeks. Offers personalized mortgage solutions with fixed interest rates starting at 10.48%, flexible income verification, and terms ranging from 5 to 30 years, enabling users to secure affordable financing tailored to their needs.

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.

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.

Fire Banking provides a Bank as a Service platform that integrates payment processing through the PIX system, enabling real-time management of transactions for businesses of all sizes. The platform offers customizable financial solutions that enhance security and efficiency, addressing the need for streamlined payment operations and cost-effective transaction management.

Floid is an Open Data platform that enables financial institutions in Latin America to perform risk assessments and streamline payment processes through data aggregation and direct transfers. By connecting to over 100 data sources, Floid enhances financial inclusion and operational efficiency for businesses while ensuring secure transactions with ISO 27001 certification.

Datanomik is an Open Finance B2B platform that aggregates financial data from various institutions across Latin America, enabling businesses and Fintechs to access and utilize this information efficiently. By providing standardized APIs and data integration solutions, Datanomik addresses the challenge of fragmented financial data access, enhancing decision-making and operational efficiency for its users.

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.

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.

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.

Provides a unified API that enables businesses to integrate financial services such as virtual accounts, cross-border payouts, prepaid cards, and identity verification. Streamlines the development of compliant payment solutions in Latin America, reducing time-to-market to days while ensuring 24/7 uptime and seamless scalability.

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.

Provides a USD-denominated banking platform for users in emerging economies, enabling them to receive, store, and transfer funds internationally with zero monthly fees. Users can also invest in U.S. Treasury bonds for returns up to 9% annually, offering a secure way to preserve and grow capital while facilitating seamless cross-border transactions.

Cobre provides a centralized platform that integrates banking accounts and facilitates real-time payments for companies in Latin America, addressing inefficiencies in money movement and transaction delays. Its technology enables businesses to optimize treasury processes and execute international payments swiftly, enhancing financial control and operational efficiency.

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.

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.

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 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.

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.

Rappi Bank is a digital banking platform that provides a payment gateway enabling e-commerce businesses to accept credit, debit, and Pix payments through a simple integration with platforms like WooCommerce. The service offers same-day receivables and transparent transaction fees, addressing the cash flow challenges faced by online sellers.

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.

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.

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.

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.

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.