Valiu

What Valiu does

Valiu is a Mexico-focused B2B fintech platform delivering multi-currency banking and international payment services to small, medium, and large Mexican businesses with cross-border currency exposure. The company operates a digital platform built on top of Banco Base's regulated banking infrastructure, offering business accounts in 7 currencies (MXN, USD, EUR, CAD, JPY, GBP, CHF) with no minimum balance, opening, or maintenance fees, foreign exchange across up to 13 currency pairs sourced through direct connections to major global financial institutions, and global money movement via SWIFT, IBAN, SPID, and SPEI rails. Same-day settlement is offered for US-bound transfers initiated between 6am and 3:30pm. Accounts are IPAB-guaranteed and the underlying bank (Banco Base) is regulated by CNBV and Banco de México as a Multiple Banking Institution.

The business model is transaction-based, with revenue generated primarily through foreign exchange spreads on currency conversions; receiving international payments and executing domestic SPEI/SPID transfers are free for the customer. Go-to-market is direct-to-consumer (B2B) digital self-serve, anchored by the valiu.com website with WhatsApp and a "Contáctanos" CTA for enterprise inquiries, supplemented by a LinkedIn presence and customer testimonials from named clients including Agrohidraulica de Mexico, CRTGLOBAL, TOP CARRIERS, and Hidroductos Avanzados across logistics, trading, agriculture, and hydraulics distribution verticals. The company is headquartered at Av. Arquitecto Pedro Ramírez Vázquez 200-4, Piso 9, Del Valle Oriente, San Pedro Garza García, Nuevo León, Mexico.

Earlier-stage capital was raised in a 2019 seed of $1.227M led by Y Combinator and a 2020 round of $5.25M led by Blockchange Ventures and POMP, with participation from Castle Island Ventures, IDEO CoLab Ventures, Mercy Corps Ventures, Toy Ventures, and Soma Capital. The current leadership team comprises co-founders Simon Chamorro (CEO), Alberto Niego (CPO), and Omar David Barinas Orjuela (CTO).

Name

Valiu

Website

https://valiu.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Valiu is a Mexico-focused B2B fintech providing multi-currency business bank accounts in 7 currencies, FX across 13 currency pairs, and global payment transfers via SWIFT, IBAN, SPID, and SPEI, operating on Banco Base's regulated banking infrastructure for Mexican SMEs and corporates with cross-border exposure.

Ownership category

akta.pro rank

Product category

Multi-Currency Business Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110)

SIC

Functions Related To Depository Banking, Nec (6099), National Commercial Banks (6021)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industries

Cross-Border & FX Payments Platforms (BPAMAFAK), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), International / Multi-Currency Wallets (FSAMAEAL)

Keywords

• Multi-currency banking
• Foreign exchange services
• Cross-border payments
• Business treasury management
• International money transfers

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Foreign Exchange Spread: Valiu generates revenue through currency exchange spreads. Customers buy and sell foreign currencies (e.g., USD, EUR) through the platform, and Valiu earns a margin on each transaction. The website states 'El tipo de cambio más competitivo' and connects directly to major global financial institutions to source competitive pricing, implying a spread-based revenue model. No fees are charged for receiving international money or for SPEI/SPID domestic transfers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Valiu provides Mexican businesses with multi-currency bank accounts in 7 currencies (MXN, USD, EUR, CAD, JPY, GBP, CHF), foreign exchange across 13 currency pairs, and fee-free international payments via SWIFT, IBAN, SPID, and SPEI rails. The platform operates as a digital overlay on Banco Base's regulated, IPAB-guaranteed banking infrastructure, enabling companies to receive money from abroad and send domestic and cross-border payments with no opening, maintenance, or minimum balance fees.

Product overview

Valiu is a unified fintech platform providing global currencies and payments for businesses in Mexico. The platform consists of four integrated core services: Multi-Currency Bank Accounts (supporting MXN, USD, EUR, CAD, JPY, GBP, and CHF), Currency Exchange (with 13 currency pairs and competitive rates), International Money Transfers (via SWIFT, IBAN, SPID, and SPEI without sending costs), and Real-Time Currency & Payment Tracking (with price alerts). All operations are backed by Banco Base, providing IPAB-guaranteed accounts and CNBV regulatory oversight.

Differentiator

Problem solved

Functional benefit

Products and services

• Multi-Currency Bank Accounts Business banking accounts denominated in 7 currencies (MXN, USD, EUR, CAD, JPY, GBP, CHF) with no minimum balance, no opening costs, and no maintenance fees, offered to Mexican companies operating under Banco Base's regulated, IPAB-guaranteed infrastructure.
• Currency Exchange Foreign exchange service enabling Mexican businesses to buy and sell up to 13 currency pairs (including USD/MXN, EUR/MXN, CAD/MXN, JPY/MXN, USD/CAD, EUR/USD) at competitive rates sourced through direct connections to major global financial institutions.
• International Money Transfers Domestic and international payment service that lets Mexican businesses send money globally via SWIFT, IBAN, SPID, and SPEI at no sending cost, with free inbound international transfers and free domestic SPEI/SPID payments.
• Real-Time Currency and Payment Tracking Operations dashboard that lets businesses monitor currency exchanges and payments in real time, schedule price alerts, and compare favorite currencies to manage FX timing and treasury visibility.

Quantifiable outcome

• Up to 13 currency crosses available for exchange operations
• +2 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Banco Base (Grupo Financiero Base)coreStrategic or Co-development PartnerValiu operates as a digital multi-currency banking platform powered by Banco Base, a CNBV- and Banco de México-regulated Multiple Banking Institution with over 38 years of experience in the banking sector. Valiu's accounts are IPAB-guaranteed under Banco Base's banking license. All customer operations are processed and backed by Banco Base with high security standards. This partnership provides Valiu with regulatory credibility, access to SPEI/SPID domestic payment rails, and SWIFT/IBAN international payment connectivity, while Banco Base extends its digital services to the SME/corporate multi-currency market segment.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Higo: Mexican B2B payments platform serving SMEs and corporates with cross-border collections and supplier payments. Directly comparable to Valiu in cross-border B2B payments use case and Mexican customer base.
• Clara: Mexican B2B fintech offering corporate cards, payments, and expense management to SMEs and mid-market companies. Comparable in customer segment (Mexican corporates) and payments focus, though Clara focuses on cards/spend rather than multi-currency accounts.
• DolarApp: LATAM-focused multi-currency digital wallet and payments platform offering USD/MXN accounts and cross-border transfers. Closely comparable to Valiu in product (multi-currency wallet + FX) and customer base (LATAM SMEs and individuals transacting across borders).
• Tribal: Mexico/LATAM-focused B2B payments and corporate card fintech for SMEs. Comparable in serving Mexican SMEs with embedded payments and cross-border capabilities, though Tribal emphasizes credit rather than FX.
• Bitso: Mexico's largest crypto exchange with growing B2B cross-border payments and multi-currency products (Bitso Business). Directly comparable to Valiu in serving Mexican businesses with multi-currency accounts and FX/cross-border flows, with stronger brand and capital base.
• Konfio: One of Mexico's largest fintechs serving SMEs with lending, payments, and business banking products. Comparable in Mexican SME focus and B2B embedded finance proposition, though Konfio's core is credit rather than FX/cross-border.

Broad incumbents

• HSBC México: Global bank with deep Mexican presence offering multi-currency corporate accounts, FX, and cross-border payments to mid-market and large corporates. Comparable as a multi-currency banking provider for internationally active Mexican businesses, but with a much broader product portfolio.
• BBVA México: One of Mexico's largest commercial banks, rapidly digitizing SME FX and cross-border payments. Comparable as a regulated multi-currency banking provider for Mexican corporates, but operates as a broad incumbent across retail, corporate, and investment banking rather than specializing in Valiu's niche.

Others

• Banco Base: The regulated CNBV multiple banking institution that provides Valiu's banking license wrapper, IPAB guarantee, and payment rails. Relevant as the infrastructure partner underpinning Valiu's entire operating model rather than a direct competitor.

Regional players

• Ualá: LATAM neobank (Argentina-founded) with multi-currency accounts, FX, and cross-border payments across the region. Comparable in multi-currency wallet and cross-border proposition, but primarily serves Argentine/Mexican consumers and SMEs rather than Mexico-focused B2B corporates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/valiu-com
• Xx.com/valiuco

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors9 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 Valiu