Prometeo
Prometeo is a Uruguay-based B2B fintech infrastructure company that provides a single unified API for cross-border banking across Latin America and the United States. It serves banks, payment gateways, lenders, fintechs, and marketplaces with bank account verification, account-to-account payments, and emerging agentic AI banking capabilities.
- Company typePrivate
- Founded2018
- HeadquartersMontevideo, Uruguay
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Prometeo does
Prometeo is a Uruguay-based B2B fintech infrastructure company, founded in 2018 and headquartered in Montevideo, that operates a single unified API for cross-border banking across Latin America and the United States. The platform connects to more than 7,500 banking endpoints across 110+ countries and over 1,200 financial institutions in 11 countries, translating disparate bank formats into a standard protocol. The company's core product pillars are Bank Account Verification (real-time account and ownership validation including the Name Match feature for U.S. ACH), Bank Transfer Payments (payins, payouts, payment links, QR code payments, and account-to-account transfers via local rails such as PIX, SPEI, ACH, and WIRE), Borderless Banking (international account opening and multi-market treasury), and Agentic Banking Infrastructure (a layer enabling AI agents to autonomously perform financial actions). Supporting modules include an Identity Validation API for KYC, an Information API for bank aggregation, and lightweight collection tools (payment links, QR codes, widgets) that operate without deep integration.
Prometeo monetizes primarily through usage-based and transaction-based pricing: API calls and validated/executed transactions are charged on a pay-as-you-go basis, complemented by enterprise contracts obtained via direct sales. A self-serve "Comienza Gratis" (free trial) sign-up via the Prometeo dashboard acts as a PLG funnel for developer-led evaluation, while a "Solicitar Demo" (Request a Demo) sales motion targets banks, payment gateways, financial platforms, e-commerce/marketplaces, lending platforms, and treasury teams. The company also operates a Partners Program for cobranding and reselling its Pagos cuenta a cuenta (account-to-account payments) solution, and distributes through Nacha Preferred Partner status in the United States. Customers span consumer lending (RTC, Créditos Directos), sports betting (Apuesta Total), ticketing (Passline, Rapiticket), fintech (CobrosWAP, iPiD, Buenbit), and home services (Handy). The platform is hosted on Amazon Web Services and is certified to ISO/IEC 27001:2022, aligned to PCI DSS, and audited under SOC 2.
Strategic activity since the January 2024 $13M Series A funding round (led by Antler Elevate with PayPal Ventures, Samsung Next, and DN Capital) has been oriented around U.S. market entry, product expansion into AI-driven and cross-border workflows, and regulatory positioning. Key moves include the U.S. expansion of Bank Account Verification (June 2024), the Borderless Banking product launch (March 2025), the Agentic Banking Infrastructure launch (October 2025), the Name Match feature (December 2025), the Jumio digital authentication partnership (July 2025), the Fiskil Open Finance partnership in Mexico and Colombia (March 2026), and Nacha Preferred Partner status for Account Validation/Open Banking (April 2026). The company is led by Co-CEOs and Co-Founders Ximena Aleman and Rodrigo Tumaián.
Prometeo firmographics
Firmographics- Name
- Prometeo
- Legal name
- Prometeo
- Website
- https://prometeoapi.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Prometeo is a Uruguay-based B2B fintech infrastructure company that provides a single unified API for cross-border banking across Latin America and the United States. It serves banks, payment gateways, lenders, fintechs, and marketplaces with bank account verification, account-to-account payments, and emerging agentic AI banking capabilities.
- Ownership category
- akta.pro rank
Prometeo industry classification
Industry- Product category
- Banking-as-a-Service API (Open Banking Infrastructure)
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)
- akta.pro secondary industries
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)
Keywords
Where Prometeo is headquartered
LocationHeadquarters
- HQ city
- Montevideo
- HQ country
- Uruguay
- HQ region
- Latin America
Offices1 record
Markets served
Prometeo business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- API usage / consumption-based pricing: Prometeo monetizes its B2B financial infrastructure API primarily via pay-as-you-go/usage-based charges tied to API calls and transactions validated or executed through its platform, complemented by enterprise contracts.
- Transaction-based fees (Pagos cuenta a cuenta): Prometeo charges transaction-based fees for account-to-account payment flows (PIX, SPEI, ACH/WIRE) executed through its platform via API, payment links, QR codes, or widgets.
- Freemium / Free Trial sign-up: A free trial sign-up ('Comienza Gratis') on the dashboard acts as a freemium entry point that funnels developers into usage-based API plans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free Trial / 'Comienza Gratis' |
| Other | Multi-year contract | Enterprise / custom quote-based |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels9 records
Prometeo product offering
Product offeringCore offering
Prometeo operates a single unified B2B financial infrastructure API that connects businesses to 7,500+ banking endpoints across 110+ countries, translating disparate bank formats into a standard protocol for account validation, identity verification, account-to-account payments (PIX, SPEI, ACH/WIRE), treasury management, cross-border account opening, and AI-driven Agentic Banking workflows. The platform replaces country-by-country banking integrations with one API and is sold to banks, payment gateways, lenders, financial platforms, e-commerce marketplaces, and U.S.–LATAM enterprises via a freemium self-serve dashboard and direct enterprise sales motion.
Product overview
Prometeo operates a single unified B2B financial infrastructure API platform serving Latin America and the United States, rather than separate disconnected products. The core platform exposes a single API that translates multiple bank formats into a standard language, connecting to over 1,200 financial institutions across 11 countries. On top of this core, Prometeo delivers four primary product pillars: Agentic Banking Infrastructure (AI-agent-driven autonomous financial actions), Borderless Banking (cross-border account opening and multi-market treasury), Bank Transfer Payments (payins, payouts, payment links, QR code payments, and A2A transfers via local rails such as PIX, SPEI, ACH/WIRE), and Bank Account Verification (real-time account and ownership validation including the Name Match add-on). Supporting modules include the Information API for balance and aggregation, the Identity Validation API for KYC/onboarding, and lightweight collection tools (Payment Links, QR Code Payments, Widget) that operate without deep integration. The products are designed to compose: validation and identity feeds feed payment initiation, Agentic Banking orchestrates both, and Borderless Banking wraps the entire stack for multi-market expansion.
Differentiator
Problem solved
Functional benefit
Brands
- Borderless Banking: Prometeo's cross-border banking product line for transactions between markets in Latin America and the United States, launched in March 2025.
- Agentic Banking Infrastructure
Products and services
- Agentic Banking Infrastructure Infrastructure layer that enables AI agents to autonomously perform financial actions such as payments and account validation across Latin America and the United States, with built-in security and compliance controls. Targeted at fintechs and enterprises building AI-driven financial workflows across LATAM and the U.S.
- Borderless Banking Product that consolidates cross-border bank connectivity, international account opening, and cross-market payment operations into a single integration for businesses expanding across Latin America and the United States. Designed for global corporations and fintechs seeking multi-market treasury and banking operations without country-by-country integration.
- Bank Transfer Payments (Pagos por transferencia) API product for receiving and sending payments via local bank transfer rails (PIX, SPEI, ACH/WIRE), enabling payins, payouts, payment links, QR code payments, and mass disbursement with immediate authorization and unified reconciliation. Targeted at merchants, payment gateways, lenders, and platforms operating across LATAM and the U.S.
- Bank Account Verification (Validación de cuentas bancarias) Real-time API for validating bank accounts across 50+ countries (and over 1,200 financial institutions in 11 countries), confirming account existence, status, currency, type, and account holder name before executing payments or onboarding, reducing errors and fraud. Used by banks, payment gateways, lenders, and platforms to validate accounts prior to A2A transfers.
- Identity Validation API API product for KYC and onboarding flows that accesses official sources to validate individuals and companies, retrieve documentation, and verify tax identifiers across multiple markets. Designed for banks, fintechs, lenders, and platforms running KYC and onboarding across LATAM and the U.S.
- Information API API providing access to bank account balances, historical reports, and account dates with prior end-user consent, used for bank aggregation, treasury visibility, and account-to-account reconciliation. Targeted at platforms and fintechs requiring multi-bank data aggregation across LATAM markets.
Quantifiable outcome
- Reduces account-validation-related failures and misdirected transfers in U.S. ACH payments via the Name Match feature (4 indicative result states)
- +5 more outcomes
Companies that use Prometeo
Customer profileNamed customers10 records
Segments7 records
Ideal customer profiles5 records
Prometeo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability7 records
Feature6 records
Prometeo partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered flagship, core and minor.
- NachaflagshipNacha announced Prometeo as a Nacha Preferred Partner for Account Validation/Open Banking, advancing ACH payment integrity in the United States. Prometeo's single API translates multiple bank formats into a standard language, enabling account validation and identity checks for domestic and cross-border ACH.
- FiskilflagshipPrometeo and Fiskil partnered to advance Open Finance infrastructure by developing API connectivity and consent-governance layers, addressing Mexico's infrastructure gap and supporting the transition from regulation to operational adoption.
- JumiocorePrometeo and Jumio partnered to strengthen digital authentication across Latin America, combining Prometeo's bank connectivity with Jumio's identity verification for onboarding and KYC flows.
- Banco EstadocorePrometeo celebrated an agreement with Banco Estado (Chile) for bank connectivity, extending Prometeo's reach into the Chilean banking system.
- Open Banking ExchangecorePrometeo is an active member of the Open Banking Exchange association, contributing to the development of better open banking standards and ecosystems.
- Fintech MexicocorePrometeo actively participates in the Fintech Mexico association to build better standards and ecosystems for the Mexican fintech industry.
- Fintech ColombiaminorListed by Prometeo as a fintech association it participates in to help build industry standards and ecosystems in Colombia.
- Fintech ChileminorListed by Prometeo as a fintech association it participates in for ecosystem building in Chile.
- Fintech PeruminorListed by Prometeo as a fintech association it participates in to advance the Peruvian fintech ecosystem.
- Cámara Uruguay de FintechcorePrometeo is an active member of the Uruguay Fintech Chamber, contributing to the development of the local fintech ecosystem.
- ANDE (Aspen Network of Development Entrepreneurs)minorPrometeo grew with the support of ANDE and similar programs/institutions that foster regional innovation.
- IngeniominorListed by Prometeo as an innovation program that supported the company's regional growth.
- FinnovistaminorListed by Prometeo as an institution/programs that foster regional fintech innovation.
- ANII (Agencia Nacional de Investigación e Innovación, Uruguay)minorListed by Prometeo among the programs and institutions that helped drive regional innovation in Uruguay.
- Amazon Web Services (AWS)flagshipPrometeo's platform is hosted on Amazon Web Services, leveraging AWS's ISO 27001, PCI-DSS, and SOC 2 certified cloud infrastructure for security, scalability, and reliability.
Scale indicators12 records
Recent moves10 records
Expansion highlights6 records
Prometeo competitors and assessment
Company assessmentRegional players
- dLocal: LATAM-focused cross-border payments processor helping global merchants collect, pay, and settle in emerging markets. Operates in an adjacent layer to Prometeo — payments rather than bank-data APIs — but competes for the same cross-border LATAM enterprise wallet share.
Direct peers
- Belvo: LATAM-focused Open Banking API platform offering bank account aggregation, payment initiation (including PIX, SPEI), and KYC data across multiple Latin American countries. The closest direct competitor to Prometeo in cross-border LATAM financial infrastructure.
- Tink: European Open Banking platform (now owned by Visa) providing account aggregation, PSD2-compliant payment initiation, and financial data APIs. Comparable to Prometeo in offering a single unified API that abstracts bank-format differences across markets.
- Token.io: Open Banking payment network and API provider enabling pay-by-bank, payouts, and VRP flows across Europe and the UK. Comparable to Prometeo in monetizing A2A payment flows on top of bank-data connectivity.
- TrueLayer: Open Banking API provider offering account verification, bank payments (pay-by-bank / A2A), and financial data APIs primarily in the UK and Europe. Highly comparable business model to Prometeo's single-API cross-border infrastructure thesis.
- Brite Payments: Account-to-account (A2A) payment network offering instant payins and payouts via Open Banking rails in Europe. Directly comparable to Prometeo's 'Pagos cuenta a cuenta' and A2A payment-link/QR/widget offering.
- Yapily: European Open Banking API platform enabling account verification, payment initiation, and transaction data across banks via a single integration. Closely aligned to Prometeo's value proposition of replacing country-by-country integrations with one API.
Broad incumbents
- Plaid: Largest U.S. Open Banking API providing account verification, balance/transaction data, and payment initiation. Prometeo competes with Plaid as both expand into cross-border U.S.–LATAM corridors and AI-driven financial actions.
- Finicity (Mastercard): U.S. Open Banking platform (now part of Mastercard) providing account verification, financial-data aggregation, and ACH payment solutions. Competes with Prometeo's U.S. account-verification and Nacha-facing offerings.
- MX Technologies: U.S. Open Banking and account-aggregation platform serving financial institutions, fintechs, and lenders with data connectivity and money-movement APIs. Overlaps with Prometeo's account verification, aggregation, and payment-orchestration offerings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Prometeo social profiles
Digital presencePrometeo compliance and trust
Trust signalCompliance4 records
Prometeo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Prometeo leadership team
Management profileNumber of profiles
Profiles20 records
Prometeo funding detail
Funding detailFunding overview
Funding rounds6 records
Investors15 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Prometeo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Prometeo
What does Prometeo do?
Prometeo operates a single unified B2B financial infrastructure API that connects businesses to 7,500+ banking endpoints across 110+ countries, translating disparate bank formats into a standard protocol for account validation, identity verification, account-to-account payments (PIX, SPEI, ACH/WIRE), treasury management, cross-border account opening, and AI-driven Agentic Banking workflows. The platform replaces country-by-country banking integrations with one API and is sold to banks, payment gateways, lenders, financial platforms, e-commerce marketplaces, and U.S.–LATAM enterprises via a freemium self-serve dashboard and direct enterprise sales motion.
Is Prometeo a public or private company?
Prometeo is a private company. It is classified as venture growth investor backed and is currently operating.
When was Prometeo founded?
Prometeo was founded in 2018. It employs 51 to 100 people.
Where is Prometeo based?
Prometeo is headquartered in Montevideo, Uruguay, in the Latin America region.
How does Prometeo make money?
Three revenue lines are on record. API usage / consumption-based pricing is the primary driver. The others are transaction-based fees (Pagos cuenta a cuenta) and freemium / Free Trial sign-up.
Who are Prometeo's main competitors?
dLocal is listed as a regional player. Direct peers are Belvo, Tink, Token.io, TrueLayer, Brite Payments and Yapily. Broad incumbents are Plaid, Finicity (Mastercard) and MX Technologies.
Does Prometeo have an API?
Yes. Prometeo offers a single REST API that enables developers and businesses to connect to banks across the Americas for account validation, bank account ownership verification (including Name Match), payment initiation (payins, payouts, account-to-account), payment links, QR code payments, treasury management, and bank aggregation. Authentication is handled via API-Key credentials issued through the Prometeo Dashboard and OAuth2 protocol. The API supports a sandbox environment for testing before production deployment, uses TLS 1.2 or higher for encrypted connections, and does not store user credentials or sensitive banking data. Documentation is publicly available at https://docs.prometeoapi.com/. Developer documentation is at docs.prometeoapi.com.
What industry is Prometeo in?
Prometeo's product category is Banking-as-a-Service API (Open Banking Infrastructure). Its primary akta.pro industry code is FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails), with a secondary code of FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking). Its NAICS code is 522320 and its SIC code is 6199.