What Airtm does

Airtm is a digital dollar wallet and peer-to-peer exchange platform built on USDC stablecoin (issued by Circle) and the Stellar blockchain, serving freelancers, remote workers, microtaskers, and businesses that need to receive USD-denominated funds and convert them into local currency across emerging markets. The platform provides a US Virtual Account for ACH/Wire receipts, a Euro Virtual Account for SEPA receipts (BETA), a USD Visa virtual prepaid card (issued by Lead Bank under Visa license) for global spending, QR code payments in Argentina and Pix in Brazil, the Airtm.me personalized payment link, and BLEND protocol integration for USDC yield. A two-sided P2P network of ID-verified cashiers supports conversion across 500+ payment methods in 190 countries and 90 currencies, with settlements typically completed in under six minutes.

The company operates a freemium consumer wallet alongside a tiered B2B offering (Core, Pro, Integrated) for global contractor payouts, including an enterprise API at api.enterprise.airtm.com. GTM combines product-led growth through self-serve mobile and web apps, distribution partnerships with major freelance and payment platforms (Upwork, Fiverr, Freelancer.com, Airbnb, Payoneer, Wise, Deel, PayPal), and community-led acquisition through the Airners Community, ambassador program, and cashier network. Revenue is generated entirely through transaction-based take-rates: ACH (0–1.75% by country), Wire (1.25%), P2P sends (0% under a 400 USDC / 3-send monthly threshold, then 1%), Payoneer withdrawals (4%), virtual card loading (1% on the first $200/month, capped at $2), and Airtm.me link fees varying by payer method.

Airtm is incorporated in Delaware, registered with FinCEN as a Money Services Business (31000329787639), and headquartered operationally in Mexico City. It has raised approximately $24.7M in disclosed funding across 2015–2021, with the most recent primary round being a $15M investment from the Stellar Development Foundation in May 2021; in May 2026 it made a strategic investment in Checker's $8M seed round. The company employs 101–250 people and has not publicly disclosed revenue or ARR.

Name

Airtm

Legal name

Airtm Inc.

Website

https://airtm.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Airtm is a USDC-based digital wallet and peer-to-peer exchange platform serving freelancers, remote workers, and businesses across 190 countries with US/Euro virtual accounts, Visa card, and local currency conversion via 500+ payment methods.

Ownership category

akta.pro rank

Product category

Cross-Border Digital Payments

NAICS

Securities and Commodity Contracts Intermediation and Brokerage (5231)

SIC

Finance Services (6199)

akta.pro primary industry

International / Multi-Currency Wallets (FSAMAEAL)

akta.pro secondary industries

International Bill Pay & Cross-Border Airtime/Top-Up (FSAGAKAM), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Digital wallet services
• Cross-border payments
• Stablecoin payments
• P2P money transfers
• Freelancer payment platform

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. ACH and Wire Transfer Fees: Airtm charges transaction fees for ACH transfers (0.5% for Argentina, 0% for Bolivia, 1.75% for other countries), Wire transfers (1.25%), and P2P conversions. These fees apply per transaction when users withdraw or convert funds.
2. Peer-to-Peer Send Fees: 0% fee for sending funds until users reach 400 USDC in volume or 3 sends per calendar month. After that threshold, a 1% send fee is applied. Maximum send per transaction is $5,000 USDC and $20,000 per month.
3. Virtual Card Loading Fees: Virtual card issuance is free. A 1% fee applies to the first $200 loaded during the calendar month, with no fee beyond that threshold. Maximum monthly fee is 2 USDC.
4. Payoneer Integration Fees: 4% total fee for withdrawing funds from Payoneer to Airtm.
5. Payment Link Transaction Fees: Fees for receiving payments via airtm.me depend on the payment method used by the payer (ACH, WIRE, SEPA, credit/debit card, or stablecoins).

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

Airtm operates a USDC-backed digital wallet and peer-to-peer exchange platform that enables users in 190 countries to receive, send, convert, and withdraw USD. The platform combines a US Virtual Account for ACH/Wire receipts, a USD Virtual Card for global spending, SEPA-based Euro receipts, QR/Pix local payments, and a P2P network with verified cashiers across 500+ payment methods.

Product overview

Airtm is a digital dollar wallet platform providing financial services to freelancers, remote workers, and businesses in Latin America and emerging markets. The platform operates on USDC stablecoin and offers two account types: Personal (for receiving, sending, and withdrawing funds) and Business (for global payouts). Key personal products include US Virtual Account (ACH/wire receiving), USD Virtual Card (global spending), Euro Virtual Account (SEPA receiving), QR Payments (local QR/Pix payments), Airtm.me (payment links), and BLEND Investment (DeFi earning). Business products include Core, Pro, and Integrated tiers for payouts. The platform connects to 500+ payment methods and supports integrations with Payoneer, Wise, Deel, Upwork, Airbnb, PayPal, and Freelancer.com for fund withdrawals.

Differentiator

Problem solved

Functional benefit

Brands

• BLEND: A decentralized finance (DeFi) protocol that allows users to invest USDC and earn daily returns through liquidity pools.
• Airtm.me
• Airners Community

Products and services

• Airtm Personal Account Digital dollar wallet enabling individuals to receive, send, convert, and withdraw money in USD from anywhere in the world. Ideal for freelancers, entrepreneurs, creators, and remote workers needing dollar access without traditional banks.
• Airtm Business Account Business solution for companies paying globally in dollars to teams or collaborators. Includes Core, Pro, and Integrated tiers for different payout needs and scales.
• US Virtual Account Virtual US bank account allowing non-US citizens to receive ACH and wire transfers directly to Airtm. Compatible with banks and global platforms, ideal for freelancers and digital professionals.
• USD Virtual Card Virtual VISA prepaid card for global online payments, subscriptions, and purchases. Supports Apple Pay and Google Pay. Issued by Lead Bank, an FDIC member, under Visa license.
• Euro Virtual Account Virtual euro bank account for receiving SEPA transfers directly into Airtm account in USDC. Supports SEPA Standard and SEPA Instant transfers during BETA stage.
• QR Payments QR code payment feature enabling users to pay as locals in Argentina (QR) and Brazil (Pix) using USDC from their Airtm app regardless of country of origin.
• BLEND Investment DeFi investment integration allowing users to earn daily returns on USDC through BLEND liquidity pools. Offers 5.81% APY with no minimum term, starting at 5 USDC investment.
• Airtm.me Payment Link Personalized payment link service for receiving online payments from clients worldwide via US bank accounts, credit/debit cards, and stablecoins (USDC, USDT, DAI, PYUSD).
• P2P Exchange Network Peer-to-peer exchange network enabling users to convert funds to local currency at real exchange rates with verified cashiers, escrow security, and mediation team support. Powers 500+ payment methods across 190 countries.
• USDC Stablecoin Wallet Primary stablecoin used within Airtm, backed 1:1 with US dollar. Issued by Circle, each USDC equals one dollar deposited in US bank accounts or Treasury instruments. Supports USDC on Ethereum, Solana, Avalanche, Optimism, and Stellar blockchains.

Quantifiable outcome

• Users can cash out earnings in under 6 minutes
• +4 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

Feature8 records

Partnerships

Six partnerships are on record, tiered core.

• Bolivia Freelancers (Program)coreOthers · 31 March 2026Airtm announced a program in Bolivia providing freelancers up to US$50 in USDC to eliminate the initial capital barrier for earning in digital assets. Includes $50 bonus after four months of activity and progressive cashback over 12 months.
• PayoneercoreTechnology or IntegrationDirect integration allowing users to transfer funds from Payoneer to Airtm and withdraw to local currency in minutes. Users can link their Payoneer account directly to Airtm for seamless withdrawals.
• CirclecoreTechnology or IntegrationCircle is the issuer of USDC stablecoin used within Airtm. USDC is backed 1:1 with the US dollar and is a regulated stablecoin issued by Circle, an audited company licensed in the US.
• Stellar NetworkcoreTechnology or IntegrationStellar blockchain network powers Airtm's infrastructure for cross-border transactions and settlement services.
• Bridge Ventures / Bridge BankcoreImplementation/ SI/ Consulting PartnerBridge Ventures LLC (Bridge) is the Program Manager responsible for managing and operating the USD Virtual Card on behalf of Lead Bank. The card is issued by Lead Bank pursuant to licensing by Visa U.S.A. Inc.
• Lead BankcoreOthersLead Bank is an FDIC member bank that issues the Airtm Prepaid Virtual Card under license from Visa U.S.A. Inc.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Payoneer: Payoneer is a direct competitor for freelancer and contractor cross-border payouts from platforms like Upwork, Fiverr, and Airbnb — the same core user base Airtm serves. Payoneer's deeper enterprise relationships and longer history make it the most directly comparable peer.
• Wise (TransferWise): Wise is a leading multi-currency cross-border payments platform offering virtual accounts and local payout rails globally. Airtm explicitly positions against Wise on cost for emerging-market withdrawals, making Wise a directly comparable peer in cross-border payments.
• Remitly: Remitly is a digital remittance provider focused on corridors from the US/Europe to LATAM, Africa, and Asia — overlapping directly with Airtm's primary use case of converting dollars into local currency in emerging markets.
• Bitso: Bitso is the largest crypto exchange in LATAM, offering USDC/USDT on/off-ramps and peso payouts across Mexico, Argentina, and Brazil. It competes with Airtm directly for stablecoin-to-local-currency conversion in Airtm's strongest markets.
• dLocal: dLocal is a payment processor specializing in emerging markets, enabling global merchants to accept and pay out in local currencies across LATAM, Africa, and APAC — overlapping with Airtm's emerging-market payout infrastructure.
• WorldRemit: WorldRemit is a digital remittance platform with strong emerging-market corridors across Africa, Asia, and LATAM — directly competing with Airtm for cross-border dollar-to-local-currency payouts.

Broad incumbents

• Mercado Pago: Mercado Pago is the dominant digital wallet and payments network in LATAM, embedded in Mercado Libre's ecosystem. It offers broader consumer and merchant payment services but overlaps with Airtm in cross-border and local-currency payouts in Argentina, Brazil, and Mexico.
• Revolut: Revolut is a global multi-currency digital wallet offering virtual accounts, cards, and FX across 30+ countries. It competes with Airtm on multi-currency wallet features but is far broader in scope and geographically limited in LATAM/Africa.

Emerging players

• Strike: Strike is a Bitcoin and USDC-based payments app focused on instant, low-cost global transfers. It shares Airtm's stablecoin-first architecture and consumer cross-border use cases, but with a US-centric and bitcoin-tilted user base.
• BitPay: BitPay is a crypto payments processor enabling merchants and consumers to send/receive in BTC, ETH, and stablecoins. While more merchant-focused, it overlaps with Airtm on virtual card issuance and stablecoin payment flows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/theairtm
• YouTubeyoutube.com/AirtmInc
• Facebookfacebook.com/theairtm
• LinkedInlinkedin.com/company/airtm
• Instagraminstagram.com/airtminc
• TikToktiktok.com/@airtminc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds6 records

Investors12 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Airtm