Digital acceleration has forever changed the future of finance in Latin America. Mexico, Brazil, Argentina and Colombia are leading a transformation that combines technology, inclusion and security in financial services. Digital wallets, e-money and instant payment platforms are now part of the daily lives of millions of users in the region.
This change marked the beginning of an era in which fintech startups and traditional banks share the same goal of providing services that are:
- Agile
- Accessible
- Personalized
The search for efficiency and transparency has turned the Latin American financial sector into a global innovation laboratory.
According to the consulting firm Ernst & Young, Brazil, Mexico and Colombia have the greatest concentration of maturity in the region’s Fintech ecosystem. However, the continued growth of Latin American finance depends on moving towards a harmonized regulation that allows for expansion without duplicating regulatory burdens.
The World Economic Forum also agrees that common regulation boosts investment, fosters fair competition and strengthens user confidence. This balanced regulatory framework would unlock the true potential of a sector that redefines how millions of people manage their money.
While global investment in fintech fell 13% in 2024, Latin America surprised with a growth of 86%, consolidating itself as the epicenter of financial innovation. According to the report “Fintech’s Next Chapter” by Boston Consulting Group and QED Investors, the region has more than 2,200 active fintechs whose revenues grew 37% year-on-year, surpassing the U.S. market.
The current focus is not only on growing, but on doing so in a profitable, efficient and scalable way, according to the study by Boston Consulting Group and QED Investors. These are some of the pillars of the new wave of disruption that strengthens the future of finance in Latin America.
In addition, technologies such as AI and blockchain are redefining financial services, improving decision making and elevating the user experience. These tools accelerate personalization, fraud detection and financial inclusion in previously underserved sectors, says the BCG study.
Here are 20 companies that are innovating the future of finance in Latin America:
Ualá
At the beginning of 2025, Ualá reported that it increased to a 16% annual rate on its yielding accounts. The benefit applies to active users who meet consumption goals or transfer their payroll to the platform, a strategy that seeks to encourage constant use and reward customer loyalty.
Ualá announced the expansion of its Series E investment round, with an additional injection of US$66 million, bringing the total amount raised to US$366 million. This expansion reinforces investor confidence in the growth and strength of the digital financial ecosystem led by the company in Latin America.
Prex
Uruguayan investment advisor BECA Advisors, in collaboration with prepaid card and platform Prex and U.S. broker DriveWealth LLC, launched a new option for investing in ETFs and included model portfolios managed by BlackRock, expanding the investment opportunities accessible to its users.
Slalom
Slalom is a global technology consultancy that helps financial institutions modernize and stay competitive through strategy, data and technology. It collaborates with banks and fintechs to build scalable cloud infrastructures, optimize data management and leverage artificial intelligence.
Its solutions, from automation with generative AI to fraud detection and risk management, drive efficiency, compliance and innovation.
Loto
Fintech Loto announced that it raised $1 million in a pre-seed round led by Fen Ventures, Crestone VC, QAPU Ventures and Desygn Capital.
Loto currently has more than 100 clients in Colombia, including Amarilo, Creditop, Stilotex and KTM Powershop. The capital raised will be used to boost its growth in the country, where it plans to reach 500 user companies by the end of 2025.
Brex
Brex has established itself as a powerhouse in U.S. financial technology. The fintech offers advanced expense management and corporate card solutions tailored to the agile needs of startups and e-commerce companies.
The fintech reached a valuation of $12.3 billion in October 2023, according to Bloomberg Line. This result consolidates its position as one of the most relevant players in the global financial technology ecosystem.
dLocal
dLocal powers the expansion of global businesses in emerging markets. Its platform connects international merchants with local consumers, enabling them to accept payments in local currencies and with payment methods tailored to each country.
In early October 2025, dLocal announced the launch of an innovative automatic debit solution aimed at subscription-based businesses in India. This new tool is now available to both local and international merchants.
Midi
Midi allows U.S. companies to easily pay their remote workers in Latin America. Employers send a single dollar payment, and Midi distributes it in full to each worker on a VISA debit card with no monthly fees or hidden commissions. So if a worker earns $1,000, he or she receives exactly $1,000.
With Midi, payroll is simplified, employees get paid on time and in dollars, and gain access to an ecosystem of financial benefits and partnerships for remote professionals.
Fintual
Fintual launched Fintual Acciones, a new tool that allows investing in companies listed on U.S. stock exchanges, expanding its offering and competing directly with platforms such as GBM, Bursanet and Cúspide.
Fintual Acciones is not directly a brokerage house. Instead, it acts as an intermediary that opens an investment account in the user’s name with a U.S.-registered broker.
Impesa
IMPESA’s Monibyte platform is gaining ground in Latin America, with more than 15,000 active companies, according to Periódico Digital Centroamericano y El Caribe.
Its technology offers full control over cards, expense reconciliation with AI and real-time authorizations, strengthening the technological position of IMPESA and its banking partners in corporate finance.
Nexa Bank
With 2.5 years of operation, Banco Nexa is positioned as one of the most innovative players in the Central American financial system, combining the agility of a fintech with the strength of a regulated banking institution.
Nexa Banco was recognized with the Platinum Award for Disruptive Innovation in Financial Services. This award highlights its leadership in transforming the sector and consolidates its position as a benchmark for innovative banking in the region.
Cobre
In August, Cobre launched 24/7 international payments via API for companies in Mexico. The tool automates cross-border transfers in real time, integrated with financial systems without time limits.
More than 300 companies in Mexico and Colombia already operate using this solution, with the United States being the main destination, accounting for 45% of transactions in the last year.
Bold
At the end of September of this year, Colombian fintech Bold acquired VendeMás, Niubiz’s payment facilitator, marking its entry into the Peruvian market and its first international expansion.
With the purchase, Bold incorporates more than 500,000 affiliated businesses in Peru, strengthening its regional growth process.
Saf.money
Saf.money, a Guatemalan fintech specializing in cross-border payments with bitcoin and stablecoins, closed a Pre-Seed round with funds such as Fulgur Ventures, Plan B, Initial Capital and 1A1z.
The investment will drive its expansion in Latin America, the strengthening of its technological infrastructure and the integration of new stablecoins in the United States.
Kira
Kira, the global payments infrastructure platform, has announced the successful closing of its $6.7 million seed funding round.
This capital injection was led by Blockchange Venture Capital, also counting with the participation of strategic investors such as Stellar Development Foundation, Vamos Ventures, Grit Ventures, and renowned angel investors such as Michael Seibel and Oso Trava.
Sempli
Sempli presented its 2024 results, highlighting disbursements of more than US$18.3 million and revenues of close to US$4.5 million during the year.
In the last year, the fintech reached a record 4,000 clients served, obtained 1% of the credit market for micro and small formal companies, and consolidated assets of US$10.8 million.
Sureti
Colombian entrepreneurs Andrés Rojas and Carlos Vergel founded the fintech Sureti, a financial marketplace that connects investors with entrepreneurs seeking capital. Their platform allows those with savings to invest in projects backed by real estate, offering financing to companies in need of working capital in a secure and efficient manner.
Optimus Fintech
Founded by Swapnil Mengawade, Optimus Fintech was born out of experience accumulated in the retail payments and financial technology sectors of global organizations. Throughout their careers, members of the founding team witnessed the tremendous growth and increasing complexity of the payments ecosystem.
Faced with this reality, Optimus Fintech set out to eliminate fragmentation and provide businesses with real-time financial visibility. Its platform gives finance and payments teams the tools they need to make informed decisions, reduce error-prone manual processes and regain operational control.
Crescite
Founded in 2021, Crescite is a decentralized initiative that integrates community, faith and investment with environmental, social and governance (ESG) criteria. The project seeks to strengthen communities guided by spiritual values by connecting them with sustainable financial opportunities through blockchain technology.
The Crescite Protocol operates as a layer 2 solution on top of the open XDC Network, offering a decentralized, hybrid, interoperable and highly liquid ecosystem.
TechnoXander
TechnoXander is a fintech specialized in payments, helping banks and institutions to leverage the full potential of PSD2, Open Banking and fraud prevention solutions such as Confirmation of Payee (CoP).
The solutions created internally by TechnoXander reflect the agility and learning capacity of its team, complying with regulatory requirements and built on a modern and robust technological infrastructure.
LISNR
LISNR is a financial technology company that redefines digital payments by using ultrasonic data as a secure transmission channel. Its platform leverages inaudible sound waves to authenticate, authorize and complete transactions in real time, eliminating reliance on network connections or additional hardware
Since its inception, the company has collaborated with banks, fintechs and mobility companies to offer proximity-based payments and frictionless authentication solutions, optimizing the customer experience and reducing operational costs.
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