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Financial Operating System · LATAM

Early Access · 2026

Financial Operating System · LATAM

One Platform.Everything You Need.With RaeniX -
Launch Your Fintech in 3 Weeks 

TCO Analysis

Build vs. RaeniX.

Tap each card to see the real cost of launching a fintech in LATAM.

TCO Analysis

Launching a Fintech costs USD 224K/year, unless you use RaeniX.

-79%

Year 1 TCO vs real alternative

0
Setup Fee
1
Contract
1
SLA
1
Integrated Stack

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.

🇲🇽 Mexico🇨🇴 Colombia🇧🇷 Brazil🇦🇷 Argentina

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.

RaeniX
Integrated OS
Core Banking & Ledger

Double-entry ledger, accounts, balances and transaction states at the core of every product.

White Label Builder

Launch a branded app or web product without building from scratch.

Wallet Accounts

Multi-currency wallets for users, businesses and sub-accounts.

CVU / PIX / Transfers

Native LATAM rails including CVU, Pix, SPEI and transfer orchestration.

Treasury Management

Liquidity, reconciliation, yield and float management across providers.

Cards & Sponsorship

Debit, prepaid and credit card programs through BIN sponsorship.

Identity Onboarding

KYC / KYB verification, identity and business validation.

Risk Controls

Real-time risk engine, transaction monitoring and risk scoring.

Trust Protection

Fraud prevention, device intelligence and behavioral analysis.

Regulatory Reporting

Automated reports tailored to each LATAM jurisdiction.

APIs / SDK / Webhooks

Modern REST APIs, SDKs and webhooks for fintech builders.

Stablecoin Cross-Border Payments

Send and receive USDC/USDT across borders with on/off-ramps and instant settlement.

FenixaIA

The intelligence layer that learns from every module.

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

AWS Native
API First
Multi-Tenant
Enterprise Security
Regulatory Ready

Join the RaeniX Waitlist

Tell us what you want to build. We'll contact selected companies for early access.

Request early access

Tell us what you want to build. We'll contact selected companies for early access.