Koywe
Koywe is a Chilean fintech founded in 2022 that provides a unified API for cross-border payments and stablecoin on/offramp across five LATAM countries, serving e-commerce merchants, agencies, importers, staffing firms, and SMBs via usage-based transaction fees.
- Company typePrivate
- Founded2022
- HeadquartersSantiago, Chile
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Koywe does
Koywe is a Chilean-registered fintech founded in 2022 that provides a unified API/SDK for cross-border payments and crypto-fiat operations across Latin America. Its core products span onramp and offramp for stablecoins (USDC and USDT), an OTC desk, a payments API, payment links, and a QR checkout product. The platform runs on a RESTful API architecture and is built on multi-chain stablecoin infrastructure (Ethereum, Polygon, and BNB Smart Chain) integrated with local payment rails in each market, including PSE in Colombia, PIX in Brazil, SPEI in Mexico, Khipu in Chile, and Nequi in Colombia. The company operates in Chile, Argentina, Brazil, Colombia, and Mexico, and entered the United States in 2024 through the acquisition of Facto.
Koywe's business model is transaction-based: it charges approximately 1.5% (with a $1 minimum) on ramp transactions and under 1.5% on OTC transactions. Its go-to-market combines product-led growth for developers and SMBs with enterprise sales for larger platforms, targeting e-commerce merchants, agencies, importers and exporters, staffing firms, and SMBs needing cross-border settlement. Regulatory positioning includes a CMF license as a payment platform in Chile (No. 196) and a CNV registration as a Virtual Asset Service Provider in Argentina (No. 24). Koywe participates in the Mastercard Crypto Partner Program, which positions it to integrate stablecoin-funded card and merchant settlement products on top of Mastercard rails. The company has raised approximately $7.66M cumulatively across a $1.1M earlier round, a $1.56M seed, and a $5M Series A led by Concentric in August 2024, and reports a headcount of 51-100 employees.
Koywe firmographics
Firmographics- Name
- Koywe
- Legal name
- Koywe SpA
- Website
- https://koywe.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Koywe is a Chilean fintech founded in 2022 that provides a unified API for cross-border payments and stablecoin on/offramp across five LATAM countries, serving e-commerce merchants, agencies, importers, staffing firms, and SMBs via usage-based transaction fees.
- Ownership category
- akta.pro rank
Koywe industry classification
Industry- Product category
- Cross-Border Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)
- akta.pro primary industry
- Cross-Border & FX Payments Platforms (BPAMAFAK)
- akta.pro secondary industries
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
Keywords
Where Koywe is headquartered
LocationHeadquarters
- HQ city
- Santiago
- HQ country
- Chile
- HQ region
- Latin America
Offices5 records
Markets served
Koywe business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction Fees (Rampa): Fees charged on crypto on-ramp transactions. Pricing is the greater of 1.5% or 1 USD per transaction, plus VAT. Rates improve based on higher transaction volume.
- Transaction Fees (OTC): Fees charged on over-the-counter crypto transactions. Fees are under 1.5% per transaction, with better rates available for higher volume customers.
- Payment Processing: Revenue generated from processing cross-border payments and collections across supported countries and currencies, including PAYIN and PAYOUT order types.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Rampa Service - Crypto On-ramp |
| Transaction based/ take rate | Pay-as-you-go | OTC Service - Over-the-Counter |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Koywe product offering
Product offeringCore offering
Koywe is a multi-country international treasury platform that enables businesses to send, receive, and manage cross-border payments and multi-currency balances across Latin America, the US, Europe, and Asia. The platform combines international payments and collections, crypto on/off ramps (USDC, USDT) for FX risk management, an OTC desk for high-volume stablecoin trades, and a RESTful API with SDKs for programmatic integration by developers and fintechs.
Product overview
Koywe is a multi-country international treasury platform offering a unified suite of products for cross-border payments, multi-currency management, and digital stablecoin operations. The core platform consists of Pagos y Cobros (international payments), Stablecoins/Digital Dollars (crypto-fiat liquidity), and an OTC Desk — supported by Ramp (onramp) for buying crypto and Payment Links/QR Checkout (Cobros con QR) as additional collection methods. The Koywe API Platform provides programmatic access to all services. The platform operates across Argentina, Chile, Colombia, Peru, and Mexico, enabling businesses to send, receive, and manage funds globally with 24/7 availability.
Differentiator
Problem solved
Functional benefit
Products and services
- Stablecoins (Dólares Digitales) Digital dollar product enabling businesses to buy and sell USDC and USDT stablecoins for fiat currency liquidity, used to manage FX risk, hedge currency exposure, and improve treasury cashflow across Latin American currencies.
- Ramp (Onramp) Crypto onramp service allowing users to buy cryptocurrency (USDC, ETH, BTC) with fiat currencies for immediate liquidity, priced at the greater of 1.5% or 1 USD per transaction plus VAT, with improved rates for higher volume.
- Mesa OTC (OTC Desk) Over-the-counter trading desk for large-volume stablecoin transactions with negotiated rates, targeting professional traders and high-volume users. Fees are under 1.5% per transaction with improved rates for higher volume.
- Pagos y Cobros (Payments) International payments and collections platform enabling businesses to send and receive money across Latin America, the US, Europe, and Asia via local payment rails including PSE, Nequi, PIX, SPEI, and Khipu, with PAYIN and PAYOUT order types.
- Links de Pago (Payment Links) Shareable payment link product that allows businesses to send a URL to customers for remote payment collection without requiring technical integration.
- Cobros con QR (Koywe Checkout) QR code-based payment collection product available as the Koywe Checkout mobile app on Google Play, enabling in-person or remote scannable payments for businesses.
- Koywe API Platform RESTful API platform providing programmatic access to all Koywe payment services for developers and businesses, including PAYIN (payment acceptance), PAYOUT (provider payments), BALANCE_TRANSFER (currency exchange), and ONRAMP/OFFRAMP (crypto-fiat conversion) operations, with webhook notifications, a sandbox environment, and Python SDK.
Quantifiable outcome
- Reduces international payment delays from 3-5 days to instant
- +2 more outcomes
Companies that use Koywe
Customer profileNamed customers1 record
Segments7 records
Ideal customer profiles6 records
Koywe technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature5 records
Koywe partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- FactocoreKoywe acquired Facto in June 2024 as part of its strategy to expand into the US market. The acquisition leverages Facto's expertise to develop a new invoicing standard and enhance Koywe's services for SMBs and cross-border payments.
- Cámara Nacional de Comercio, Servicios y Turismo de la Ciudad de MéxicominorKoywe is a member of this Mexican chamber of commerce, providing industry representation and networking opportunities in the Mexican market.
- CAPECE (Cámara Peruana de Comercio Electrónico)minorKoywe is a member of the Peruvian Chamber of Electronic Commerce, providing industry credibility and networking in the Peruvian market.
- Colombia FintechminorKoywe is a member of Colombia's fintech association, providing industry representation and access to the Colombian fintech ecosystem.
- Cámara Argentina FintechminorKoywe is affiliated with Argentina's fintech chamber, providing industry representation in the Argentine market.
- FinteChileminorKoywe is a member of FinteChile, Chile's fintech association, providing industry representation and ecosystem access in its home market.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Koywe competitors and assessment
Company assessmentEmerging players
- Lemon Cash: Argentina-based crypto fintech offering wallets, on/off ramps, and payment services. Comparable to Koywe's Argentina OTC/ramp services and crypto-fiat value proposition, with stronger consumer brand presence in Argentina but a narrower product scope.
Broad incumbents
- Mercado Pago: LATAM's largest digital payments platform, part of Mercado Libre, with extensive coverage across Argentina, Brazil, Mexico, Chile, Colombia, and Peru. A scaled incumbent competing for the same SMB cross-border payment flows Koywe targets, with unmatched brand recognition and consumer network effects.
- dLocal: Uruguay-headquartered, publicly listed cross-border payments platform for emerging markets, with deep LATAM coverage including Brazil, Mexico, Argentina, Chile, Colombia, and Peru. A scaled incumbent in the same corridors Koywe targets, though with a broader enterprise focus and merchant-of-record model.
- Clip: Mexico-based payments platform serving SMBs with card acceptance and digital payment tools. Comparable to Koywe's Mexico SMB target segment and Mexico SPEI integration, with substantially larger merchant base and brand recognition in Mexico.
Direct peers
- MoonPay: Global crypto payments infrastructure company providing on/off ramps, fiat-to-crypto conversion, and wallet-as-a-service APIs. Comparable to Koywe's Ramp and OTC products and target developer customer segment, but with global rather than LATAM-only coverage and substantially more funding.
- Ripio: Argentina-based crypto exchange and fintech offering crypto on/off ramps, payments, and OTC trading across LATAM. Overlaps with Koywe's OTC desk, ramp services, and Argentina payment-rail coverage, with a longer operating history and broader retail user base.
- Bitso: Mexico-headquartered LATAM crypto exchange and payments platform operating across Argentina, Brazil, Colombia, and other regional markets. Directly comparable to Koywe on cross-border crypto-fiat payments and multi-currency treasury for LATAM businesses, but at substantially larger scale.
- BitPay: US-based crypto payment processor offering merchant crypto acceptance, billing, and cross-border payouts. Comparable to Koywe's API-driven cross-border and stablecoin-settlement model, particularly for SMBs paying international suppliers and contractors.
- Tribal: LATAM-focused B2B cross-border payments and corporate-card platform for SMBs operating across multiple regional markets. Directly comparable to Koywe's multi-country treasury and cross-border payment proposition, with overlapping corridors (Mexico, Colombia, Brazil) and SMB customer base.
- Pomelo: LATAM fintech-as-a-service platform providing issuing, processing, and account infrastructure across multiple regional markets. Comparable to Koywe on multi-country LATAM regulatory coverage and developer-first API distribution, with a stronger focus on card issuing and embedded finance.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Koywe social profiles
Digital presenceKoywe compliance and trust
Trust signalCompliance4 records
Koywe financial estimates
Financial estimateRevenue estimate
Valuation estimate
Koywe leadership team
Management profileNumber of profiles
Profiles2 records
Koywe subsidiaries and ownership
Company hierarchySubsidiaries4 records
Koywe funding detail
Funding detailFunding overview
Funding rounds3 records
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Koywe M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Koywe
What does Koywe do?
Koywe is a multi-country international treasury platform that enables businesses to send, receive, and manage cross-border payments and multi-currency balances across Latin America, the US, Europe, and Asia. The platform combines international payments and collections, crypto on/off ramps (USDC, USDT) for FX risk management, an OTC desk for high-volume stablecoin trades, and a RESTful API with SDKs for programmatic integration by developers and fintechs.
Is Koywe a public or private company?
Koywe is a private company. It is classified as venture growth investor backed and is currently operating.
When was Koywe founded?
Koywe was founded in 2022. It employs 51 to 100 people.
Where is Koywe based?
Koywe is headquartered in Santiago, Chile, in the Latin America region.
How does Koywe make money?
Three revenue lines are on record. Transaction Fees (Rampa) is the primary driver. The others are transaction Fees (OTC) and payment Processing.
Who are Koywe's main competitors?
Lemon Cash is listed as an emerging player. Broad incumbents are Mercado Pago, dLocal and Clip. Direct peers are MoonPay, Ripio, Bitso, BitPay, Tribal and Pomelo.
Does Koywe have an API?
Yes. Koywe Platform API is a RESTful API enabling businesses to collect payments, pay providers, and manage multi-currency operations across Latin America. Supports PAYIN (payment acceptance), PAYOUT (provider payments), BALANCE_TRANSFER (currency exchange), and ONRAMP/OFFRAMP (crypto-fiat conversion). Authenticated via Bearer token (1-hour expiry). Sandbox and production environments available. Comprehensive webhook system for real-time order status notifications with signature verification. Documentation available in English with code examples in multiple languages. Developer documentation is at docs.koywe.com/en.
What industry is Koywe in?
Koywe's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is BPAMAFAK, Cross-Border & FX Payments Platforms, with a secondary code of BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms. Its NAICS code is 522320 and its SIC code is 6200.