What Shinkansen does

Shinkansen SpA is a Santiago, Chile-based financial infrastructure company founded in 2022 that provides API-based multi-bank connectivity and treasury automation for Latin American enterprises. The company operates a unified API layer connecting corporate clients directly to regional bank APIs across Chile, Mexico, Peru, and Colombia — covering institutions including Scotiabank, BBVA, BCI, Banco BICE, BCP, Interbank, Banamex, Santander MX, HSBC Mexico, Banorte, Scotiabank MX, INBURSA, and Bancolombia — replacing point-to-point bank integrations, RPA workarounds, and scraper-based approaches. Its product suite comprises Shinkansen Treasury (centralized treasury management platform), Payouts API (disbursements), Payins API (real-time incoming payment notifications), Validator API (real-time bank account verification), and Shinkansen Gateway (a white-label API channel product for banks). The platform is ISO 27001 certified, uses JWS digital signatures for all API messages, and operates under a strict policy of never touching client funds; the company reports a zero-fraud track record while processing approximately US$1 billion per month in transaction volume.

The underlying technology architecture is built on direct bank API integrations (rather than screen-scraping), ISO8583 protocol support via the Gateway for interbank connectivity, AI-powered reconciliation that replaces traditional RPA dependencies, configurable human approval rules with priority-based workflows, and ERP integrations (SAP, Oracle, Calypso) accessible through a single connection. Shinkansen has launched AI Agents (AI Flows) — intelligent agents that automate corporate treasury operations including autonomous payment execution, approval routing, anomaly detection, and reconciliation workflows — positioning the company in the "agentic financial infrastructure" category for the AI era.

Revenue is generated through a combination of subscription fees for the Treasury SaaS platform and usage-based fees for API services (Payouts, Payins, Validator), with all pricing custom-negotiated per client via commercial proposals — no public price list exists. The go-to-market motion is API-first and sales-led, targeting corporate treasury, CFO, and finance teams at fintechs, tech companies, insurers, brokerages, investment platforms, and marketplaces across Latin America, with direct enterprise sales supplemented by an extensive library of 25+ customer case studies. The company has raised approximately $4.1M across four rounds (2022 seed led by Fen Ventures, 2023 Series A led by Hi Ventures, 2023 follow-on, and 2024 Krealo/Credicorp strategic), and operates with a team of 1-10 employees out of Santiago, Chile.

Name

Shinkansen

Legal name

Shinkansen SpA

Website

https://shinkansen.finance

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Shinkansen provides API-based financial infrastructure for Latin American enterprises, connecting corporate clients to multiple regional banks across Chile, Mexico, Peru, and Colombia via a unified platform with AI-powered treasury management, payment disbursement, and automated reconciliation.

Ownership category

akta.pro rank

Product category

Banking-as-a-Service Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Functions Related To Depository Banking, Nec (6099), Finance Services (6199)

akta.pro primary industry

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

akta.pro secondary industries

Cross-Border & FX Payments Platforms (BPAMAFAK), Embedded FX & Cross-Border Treasury (FSAGALAG), Open Banking APIs & Connectivity (FSAMAFAA), Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)

Keywords

• Multi-bank connectivity
• Treasury automation platform
• Payment disbursement API
• Banking-as-a-service infrastructure
• AI reconciliation software

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. API Services (Payouts, Payins, Validator): Revenue generated from API usage fees for payment execution (payouts), payment notifications (payins), and account validation services. Pricing is based on commercial proposals agreed between Shinkansen and each client, suggesting a combination of fixed fees and/or usage-based pricing.
2. Treasury SaaS Platform Subscription: Subscription-based access to the Shinkansen Treasury platform providing multi-bank connectivity, reconciliation, dashboard, and treasury management tools. Terms are defined in commercial proposals per client (per the T&C: 'Los planes y tarifas, así como la forma de pago, facturación y demás términos serán las acordadas en la propuesta comercial enviada por la Compañía y aceptada por el Cliente').

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Shinkansen provides an API-first financial infrastructure platform that connects Latin American enterprises directly to multiple regional banks through a single integration, automating payment execution (Payouts), payment receipt recognition (Payins), and account validation (Validator). The offering is anchored by a centralized Treasury SaaS platform with AI-powered reconciliation, configurable approval workflows, and real-time multi-bank cash visibility. The company also sells a banking channel infrastructure product (Shinkansen Gateway) to banks, enabling them to offer API connectivity to their corporate clients.

Product overview

Shinkansen is a financial infrastructure company offering an end-to-end platform for Latin American enterprises. The core offering consists of Shinkansen Treasury (a centralized treasury management platform) supported by three key modules: Multi-Bank Connectivity infrastructure for direct API bank connections, AI Agents (AI Flows) for automated payment orchestration, and specialized APIs for payouts (disbursements), payins (receipts), and account validation. The architecture enables companies to connect their ERP systems to multiple regional banks through a single integration, automating payment execution, approval workflows, and reconciliation with AI-powered capabilities. Banks can also use Shinkansen Gateway to launch their own API channels for corporate clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Shinkansen Treasury Centralized treasury management platform that consolidates multi-bank connectivity, payment orchestration, approval workflows, and reconciliation into a single control point for Latin American enterprises. Provides real-time multi-bank cash visibility, configurable approval rules, and AI-powered reconciliation for corporate treasury teams.
• Multi-Bank Connectivity Infrastructure layer providing direct API connections to multiple regional banks (including BBVA, Scotiabank, BICE, BCP, Interbank, Santander MX, HSBC Mexico, Banorte, Bancolombia), enabling companies to connect their ERPs to all banks through a single integration without RPAs or complex projects. Enables unified treasury management across the connected bank network.
• Shinkansen Payouts API API-driven payment disbursement service that automates sending payments from company bank accounts to recipients, supporting multi-bank execution with real-time tracking, configurable approval rules, and digital signatures. Enables enterprises to execute bank transfers in seconds without money passing through Shinkansen's accounts.
• Shinkansen Payins API API service for receiving and recognizing incoming payments, providing real-time webhook notifications when deposits are received. Enables automatic account reconciliation and real-time recognition of incoming transfers for corporate clients.
• Shinkansen Validator API Account validation API that verifies bank account numbers (including CLABE) and beneficiary information in real-time before payment execution. Reduces rejected transfers and payment failures by confirming account details prior to disbursement.
• Shinkansen Gateway Banking API channel infrastructure sold to banks, enabling them to offer API-based connectivity to their corporate clients. Includes onboarding tools, sandbox environment, developer documentation, virtual HSM, protocol translation, and regulatory compliance (RAN 20-7) for CCA connectivity.

Quantifiable outcome

• Reduces transaction confirmation time from 4 hours to under 5 minutes (98% faster)
• +8 more outcomes

Named customers26 records

Segments5 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability5 records

Feature11 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Banco BICEcoreTechnology or IntegrationBanco BICE provides banking infrastructure for Shinkansen's operations in Chile, with multiple enterprise clients (Xepelin, Neat) running their Shinkansen integrations over BICE Connect. BICE has invested in Shinkansen through Bice Ventures.
• Banco de Crédito del Perú (BCP)coreTechnology or IntegrationBanco de Crédito del Perú (BCP) is one of Peru's largest banks, connected through Shinkansen's Krealo partnership. Shinkansen provides API connectivity enabling enterprise clients to execute payments through BCP.
• ISO 27001 Certification Body (NYCE)minorOthersShinkansen is ISO 27001 certified through NYCE, a Mexican certification body. The certification covers information security management systems.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Belvo: LatAm open-banking and financial-data API platform connecting fintechs and enterprises to bank accounts across Mexico, Brazil, and Colombia. Directly comparable to Shinkansen on multi-bank API connectivity, account aggregation, and payment initiation — Belvo focuses more on financial data while Shinkansen is heavier on payouts/treasury execution.
• Pomelo: LatAm fintech-as-a-service platform offering issuing, accounts, and payment infrastructure to fintechs and enterprises. Comparable in serving the same enterprise and fintech customer base in Latin America with API-driven banking infrastructure; differs in being more issuing/account-led versus Shinkansen's treasury/payouts focus.
• Yuno: LatAm payment-orchestration platform routing transactions across multiple processors and acquirers. Directly comparable to Shinkansen's payment orchestration and multi-rail logic, though Yuno is card-acquirer-led while Shinkansen is bank-API-led.
• Fintoc: Chile-based open-banking API platform enabling account-to-account payments and financial data connectivity. Directly comparable to Shinkansen on multi-bank connectivity in Chile and the same fintech customer base; Fintoc is more data-focused, Shinkansen heavier on treasury execution.
• Tribal: B2B payments and card-issuing platform focused on Latin American SMEs and startups. Comparable as a LatAm B2B payments infrastructure peer serving fintech and enterprise customers with API-driven disbursement and treasury-adjacent products.

Broad incumbents

• Kushki: Established LatAm payments infrastructure company offering acceptance, processing, and disbursement APIs across multiple countries. Comparable as a regional payments infrastructure incumbent; broader portfolio than Shinkansen's treasury specialization.
• dLocal: Public, large-cap cross-border payments processor enabling global merchants to accept and disburse payments in emerging markets including LatAm. Comparable as a LatAm-focused cross-border payment infrastructure incumbent; broader geographic scope and far larger scale than Shinkansen.
• Plaid: Global open-banking and account-aggregation infrastructure company. Comparable as the canonical multi-bank API connectivity platform; while Plaid does not serve LatAm directly, it defines the category and competitive benchmark Shinkansen must measure against in its LatAm niche.

Regional players

• TrueLayer: Europe-focused open-banking API platform for account aggregation and A2A payments. Comparable product category to Shinkansen (multi-bank API connectivity, payouts, account validation), but geographically focused on the UK/Europe rather than LatAm.
• Conekta: Mexico-based online payments processor offering acceptance, payment links, and disbursement APIs. Comparable as a LatAm payment infrastructure peer focused on Mexico — overlapping geography but heavier on card acceptance than Shinkansen's bank-led treasury model.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/shinkansenlatam

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds4 records

Investors8 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 Shinkansen