The Financial OS for LATAM
One Platform.Everything You Need.
Launch your fintech in LATAM in just 3 weeks — not years, Core Banking, Wallets, Cards, Stablecoins and APIs in one stack.
Growth Impact
Built for Growth. Designed for Efficiency.
Lower CAC
Frictionless onboarding and higher conversion rates.
Lower Operating Costs
Replace fragmented vendors with one integrated stack.
Launch in 3 Weeks
Go live faster and generate revenue sooner.
TCO Analysis
Build vs. RaeniX.
Tap each card to see the real cost of launching a fintech in LATAM.
TCO Analysis
Launching a fintech can cost USD 224K+ per year
— unless you use RaeniX.
Year 1 TCO vs real alternative
Included in RaeniX · no extra cost
- Core Banking + Ledger
- Native Risk
- Cloud + Infrastructure
- Regulatory reporting UIF / BCRA
- Float Management
- Setup fee → USD 0
LATAM Coverage
Regulatory Coverage Across LATAM.
One platform designed for multi-country fintech expansion.
Click a country to explore its regulatory scope
The Stack
One operating system
for the entire fintech.
Hover any module — energy flows into RaeniX OS and down to Fenixa IA.
Double-entry ledger, accounts, balances and transaction states at the core of every product.
Launch a branded app or web product without building from scratch.
Multi-currency wallets for users, businesses and sub-accounts.
Native LATAM rails including CVU, Pix, SPEI and transfer orchestration.
Liquidity, reconciliation, yield and float management across providers.
Debit, prepaid and credit card programs through BIN sponsorship.
KYC / KYB verification, identity and business validation.
Real-time risk engine, transaction monitoring and risk scoring.
Fraud prevention, device intelligence and behavioral analysis.
Automated reports tailored to each LATAM jurisdiction.
Modern REST APIs, SDKs and webhooks for fintech builders.
Send and receive USDC/USDT across borders with on/off-ramps and instant settlement.
The intelligence layer that learns from every module.
Who We Power
Built for every company ready to launch or scale financial products across LATAM.
New Fintechs
Launch from zero in weeks.
Ideal Customers
- Digital Wallets
- PSP / Payment Service Providers
- Crypto Platforms
- Lending / Credit Startups
Pain Points
- No infrastructure
- No sponsor bank
- No core banking
- Slow launch cycles
RaeniX Entry Point
- Accounts + Wallets
- Onboarding
- Sponsor Bank
- Core Banking
Operating Fintechs
Replace expensive and slow legacy providers.
Pain Points
- Expensive sponsor bank
- Slow processor
- Poor reconciliation
- High setup fees
RaeniX Entry Point
- Free Migration to RaeniX
- Better sponsor economics
- Faster processing
- Automated reconciliation
Enterprises Launching Fintech
Turn your customer base into a financial ecosystem.
Ideal Customers
- Retail
- Telcos
- Payroll Companies
- Marketplaces
Pain Points
- Need new revenue streams
- Want embedded finance fast
- No banking infrastructure internally
- Need trusted regulated partner
RaeniX Entry Point
- White Label App
- APIs
- Sponsor Bank
- Wallets
No matter your starting point, RaeniX helps you launch faster.
Why RaeniX
Built to ship, priced to win.
Launch Faster
Go live in weeks, not 12 months. Pre-built modules, certified rails, ready APIs.
Lower Cost
Replace 6 vendors with 1 contract. Predictable pricing as you scale.
Built for LATAM
Argentina, Brazil, Mexico, Colombia ready — local rails, local compliance.
Engineered for scale
Ready to launch the next category-defining fintech in LATAM?
Selected operators get hands-on onboarding, dedicated solutions architects and fast-track to production.