What Wibond does

Wibond is a Córdoba, Argentina-based fintech infrastructure provider that operates a white-label Banking-as-a-Service (BaaS) platform enabling companies to embed wallets, payments, and lending under their own brand without building the underlying technology. The company was founded in 2020 and operates with 11–50 employees, targeting Latin American platforms in delivery/riders, restaurants, suppliers, merchants, and partner ecosystems.

The product suite is organized into three modular SaaS components: Módulo Wallet (CVU digital accounts, Mastercard-branded physical and virtual prepaid cards, real-time reconciliation, automatic yield generation, interoperability with Argentine banks and digital wallets, plus utilities like US account opening, insurance, and service/ARCA tax payments), Módulo Payments (payment links, checkout-as-a-service, interoperable QR codes, SmartPOS terminals, transfers, and debit-card installment functionality), and Módulo Lending (automated loans and accounts-receivable advances with integrated scoring, capital provision, risk management, and collections handled by Wibond). Wibond holds a core Mastercard partnership for prepaid card issuance and integrates with ARCA for tax payments, allowing partner companies to operate compliantly without obtaining their own licenses.

The business model is B2B SaaS subscription-based with module-level licensing sold primarily through a direct enterprise field-sales motion and a secondary Ally/channel partner network. Pricing is not publicly disclosed but is structured around annual subscriptions scaled to the modules selected. Wibond has raised a cumulative US$6 million (a US$2.25M seed plus a US$3.75M extension) in a January 2022 round led by Fen Ventures with participation from Y Combinator, Soma Capital, Trousdale Ventures, Cathexis Ventures, Dragon Capital, and Latitud, earmarked for expansion across Latin America. Disclosed enterprise customers include Peya (delivery) and Mecubro (food service/retail).

Name

Wibond

Legal name

Wibond

Website

https://wibond.co

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Wibond is an Argentine white-label fintech infrastructure (BaaS) platform that enables Latin American platforms to embed digital wallets, payments, and lending under their own brand via modular SaaS APIs.

Ownership category

akta.pro rank

Product category

Embedded Fintech Infrastructure / Banking-as-a-Service

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Tokenization, Network Vaults & Credential Management (FSAGABAF)

akta.pro secondary industries

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI)

Keywords

• White-label fintech
• Embedded payments
• Digital wallet infrastructure
• Lending-as-a-service
• Payment orchestration

Headquarters

HQ city

Córdoba

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Supply Chain, Infrastructure

Revenue model

1. SaaS Subscription: Wibond operates as a Software as a Service (SaaS) platform offering subscription-based access to their modular financial services infrastructure. Companies pay to access the platform and its various configurable modules (Wallet, Payments, Lending) according to their needs.
2. Module-Based Licensing: Companies can choose and expand modules as needed, paying for the specific modules they require. The modular architecture allows for scalable pricing as client needs grow.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Wibond provides a white-label, modular fintech infrastructure platform (SaaS) that enables businesses to embed digital wallets, payment collection, and lending services into their own digital ecosystems under their own brand. The platform comprises three configurable modules — Módulo Wallet, Módulo Payments, and Módulo Lending — and can be integrated via API in days without proprietary development, with Wibond handling regulatory compliance, capital, risk, and collections on behalf of partners.

Product overview

Wibond is a white-label B2B fintech infrastructure platform (SaaS) that enables companies to integrate wallets, payments, and lending solutions into their digital ecosystems without developing the technology themselves. The platform consists of three modular products: Módulo Wallet (digital accounts, prepaid cards, transfers, investments, bill payments, insurance, and international accounts), Módulo Payments (payment links, checkout, QR codes, SmartPOS, and installment payments), and Módulo Lending (automated loans and advances). Companies can subscribe to individual modules or the full platform to monetize users, optimize money flows, and launch financial products under their own brand.

Differentiator

Problem solved

Functional benefit

Products and services

• Módulo Wallet White-label digital wallet module enabling companies to launch virtual accounts with CVU, enable payments, reloads, and transfers, and issue physical or virtual prepaid Mastercard cards, with real-time reconciliation, automatic yields, and interoperability with banks and other digital wallets. Designed for B2B partners (riders, restaurants, merchants, allies) that want to embed wallet functionality under their own brand.
• Módulo Payments White-label payment collection module offering payment links, checkout-as-a-service, interoperable QR codes, SmartPOS terminals, transfers, and debit-based installment payments through a single integration. Designed for B2B partners (merchants, restaurants, suppliers) that want to centralize multiple payment methods under their own brand.
• Módulo Lending White-label lending module that enables partners to offer automated loans (Direct) and advances on accounts receivable (Advance) to their user base, with Wibond handling scoring, capital provisioning, risk management, and collections to provide liquidity in minutes. Designed for B2B partners (SMBs, merchants, restaurants, suppliers) that want to embed credit products under their own brand without taking balance-sheet risk.

Quantifiable outcome

• Launch financial services ecosystem in days without own development
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature6 records

Partnerships

One partnership is on record.

• MastercardcoreTechnology or IntegrationWibond issues Mastercard-branded prepaid cards (physical and virtual) under their white-label platform. Wibond handles issuance, processing, and integral management of Mastercard prepaid cards for partner businesses.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Pomelo: Argentina-originated fintech-as-a-service platform providing card issuing, accounts, and lending infrastructure across LatAm. Directly competes with Wibond in white-label wallet, card, and lending modules for the same regional customer base.
• dLocal: LatAm-focused payments infrastructure provider enabling global merchants to accept local payment methods. Comparable to Wibond on cross-border LatAm rails, but with a public-market profile and much larger scale.
• Belvo: LatAm open-finance API platform providing account aggregation, payment initiation, and identity data. Operates as a similar horizontal B2B fintech infrastructure layer serving LatAm partners.
• Galileo Financial Technologies: Cloud-based payments and card-issuing platform serving fintechs and banks. Closest functional analogue to Wibond's combined Wallet + Mastercard issuing stack, though at much larger scale and broader geography.
• Marqeta: Modern card-issuing and payment infrastructure platform. Directly comparable to Wibond's prepaid Mastercard issuance module and white-label card program capability, with a public-market profile.
• Pismo: Cloud-native banking and payments platform providing core accounts, cards, and lending infrastructure to financial institutions. Comparable to Wibond on the BaaS infrastructure layer, recently acquired by Visa.

Broad incumbents

• Ualá: Argentina-originated fintech with consumer wallets and cards across LatAm. Comparable as a regional fintech using interoperable QR and Mastercard rails, and increasingly offering B2B infrastructure that overlaps with Wibond's offering.
• Mercado Pago: Dominant LatAm payments and wallet incumbent owned by Mercado Libre. Overlaps with Wibond across QR payments, wallets, installments, and lending — though at vastly larger scale and as a vertically integrated ecosystem.
• Adyen: Global enterprise payments platform offering acquiring, processing, and issuing. Comparable to Wibond on the API-first payment orchestration and issuing side, but operating globally at much larger scale.
• Stripe: Global payments and financial infrastructure platform. Overlaps with Wibond's Payments module (payment links, checkout, installments) at the API-orchestration layer, though Stripe does not currently offer Wibond's lending-capital or Argentina-rail depth.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@wibondco
• LinkedInlinkedin.com/company/wibond
• Xx.com/WibondArg

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors20 records

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

M&A

Investments

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

Frequently asked questions about Wibond