What Littio does

Littio, operating through its Colombian legal entity Selenio S.A.S., is a consumer fintech that provides Latin American users with multi-currency digital accounts denominated in USD, EUR, COP, digital gold, and Bitcoin, settled on Circle's USDC stablecoin infrastructure. Users are issued their own U.S. ACH and European IBAN banking credentials, enabling direct receipt of international payments from platforms such as PayPal, Wise, Deel, and Payoneer without intermediary banks. The Littio Card, a Mastercard-branded virtual and physical debit card, extends spending access to over 200 countries. The platform also offers Bóvedas (locked vaults), Bolsillos (flexible pockets), and Pots (goal-based sub-accounts) as yield-bearing savings vehicles that distribute returns funded through U.S. Treasury bond investments, with advertised rewards up to 12% E.A. on USDC balances.

The company operates a product-led growth distribution model through a self-serve iOS and Android app that completes onboarding in 3-5 minutes using only a national ID and email, with no physical branches or sales intermediaries. Monetization is primarily transaction-based: $2.99 USD per international ACH/SEPA wire, $3 per ATM withdrawal, and a 1% commission on in-app Bitcoin purchases, while account management itself is free. Target segments are freelancers and remote workers receiving international payments, inflation-hedging savers protecting wealth from local currency devaluation, and international travelers. Geographic footprint spans Colombia, Mexico, Argentina, Chile, and Peru.

The platform is built around a deep local payments integration stack: PSE, Nequi, Bancolombia Botón, and Bre-B for Colombian peso on-ramps, plus Apple Pay, Google Pay, Mastercard, and cross-border fintech rails for off-ramps. Littio has raised approximately $4.5M across a January 2022 $4M seed round led by 166 2nd Financial Services and Global Founders Capital — with Circle Ventures as a strategic investor — and an April 2023 Y Combinator pre-seed of $500K. Headcount sits in the 11-50 range, with the operating entity headquartered in Bogotá D.C. and a San Francisco office listed.

Name

Littio

Legal name

Selenio S.A.S.

Website

https://littio.co

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Littio is a Colombian fintech that gives Latin American consumers multi-currency digital accounts (USD, EUR, COP, Bitcoin, digital gold) settled on USDC, plus Mastercard debit, ACH/IBAN banking credentials, and USDC savings rewards up to 12% E.A.

Ownership category

akta.pro rank

Product category

Digital Banking / Neobanking

NAICS

Funds, Trusts, and Other Financial Vehicles (525)

SIC

Finance Services (6199)

akta.pro primary industry

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

akta.pro secondary industries

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), On/Off-Ramps & Fiat Liquidity Providers for Stablecoins (FSADADAG), Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD)

Keywords

• Multi-currency digital accounts
• Stablecoin-based banking
• Cross-border payments
• International debit cards
• Digital dollar savings

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Transfer and wire fees: Fee of $2.99 USD for receiving or transferring funds to US or European bank accounts via ACH or SEPA
2. Bitcoin purchase commission: 1% commission on Bitcoin purchase transactions processed through the platform
3. ATM withdrawal fees: $3 USD fee for international ATM withdrawals using the Littio Card
4. Reward program funding: Rewards (up to 12% E.A.) funded through US Treasury bond investments backing user deposits

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Littio provides a mobile-based multi-currency digital account platform that gives Latin American users their own ACH (US) and IBAN (Europe) banking credentials to hold, send, receive, and spend USD, EUR, and COP. The platform is built on USDC and EURC stablecoins issued by Circle, and includes a Mastercard international debit card, dollar/euro savings with rewards up to 12% E.A. funded by US Treasury bonds, in-app Bitcoin purchases, and digital gold storage.

Product overview

Littio is a Colombian fintech that provides a unified digital financial platform built around multi-currency digital accounts. The core offering is the Littio Global Account, which gives users their own ACH (US) and IBAN (Europe) banking data to hold and transfer USD, EUR, COP, digital gold, and Bitcoin. This is supported by the Littio Card (Mastercard virtual and physical debit), the Pots/Bóvedas/Bolsillos savings and rewards suite offering up to 12% E.A., Bitcoin purchasing, and Digital Gold. Operations settle on USDC, EURC, and COPM digital stablecoins. A premium tier (Littio PRO) adds enhanced benefits. The platform is available across Latin America, including Colombia, Mexico, Chile, Peru, and Argentina.

Differentiator

Problem solved

Functional benefit

Brands

• Littio Card: Physical and virtual Mastercard debit card enabling payments and withdrawals in USD, EUR, and COP across 200+ countries without international purchase commissions.
• Bóvedas
• Bolsillos
• Pots
• Littio PRO
• Digital Gold

Products and services

• Littio Global Account (Cuenta Global) Multi-currency digital account that provides users in Latin America with their own ACH (US) and IBAN (Europe) banking details to hold, exchange, send, and receive USD, EUR, COP, digital gold, and Bitcoin from a single mobile app.
• Littio Card Mastercard-branded international debit card (virtual and physical) that allows users to spend in USD, EUR, or COP in more than 200 countries, supports Apple Pay and Google Pay NFC, and enables ATM withdrawals worldwide with no international purchase commissions and no monthly fee.
• High-Yield Pots (Pots Alto Rendimiento) Flexible and high-yield savings sub-accounts within Littio that allow users to set aside funds for specific goals and earn rewards, with the high-yield Pot variant offering up to 12% E.A. for a 90-day term, no maximum deposit, and $1 USD minimum.
• Bóvedas (Vaults) Time-locked savings feature where users deposit USDC or other digital assets and earn reward rates up to 9.8% E.A. over fixed 30- or 90-day terms, with rewards automatically credited at maturity. Early withdrawal forfeits unearned rewards.
• Bolsillos Flexible savings pockets within the Littio account that let users allocate funds to separate goals (trips, future plans) and earn approximately 4% E.A., with optional auto-renewal.
• Bitcoin Purchasing In-app feature that lets users buy fractions of Bitcoin using their USDC balance, with real-time prices every 20 seconds, a 1% commission, and a $1 USDC minimum purchase. Purchased Bitcoin is held within the app.
• Digital Gold (Oro Digital) Feature enabling users to hold digital gold within the Littio platform as a historical store of value, alongside USD, EUR, and COP balances.
• Littio PRO

Quantifiable outcome

• Up to 12% E.A. rewards on USDC savings via Bóvedas
• +5 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and flagship.

• Circle (USDC)coreTechnology or IntegrationUSDC stablecoin issuer providing the underlying digital dollar infrastructure. USDC is backed 1:1 by US dollars and provides the foundation for Littio's dollar digital accounts, savings rewards, and multi-currency platform.
• MastercardcoreTechnology or IntegrationInternational card network partner enabling Littio Card acceptance in 200+ countries worldwide. Processes 100% of Littio Card transactions. Provides the global payment infrastructure for international debit card services.
• EndeavorflagshipStrategic or Co-development PartnerGlobal entrepreneurship network that selected Littio (less than 1% acceptance rate). Provides mentorship, resources, and connections to high-growth entrepreneurs for international expansion.
• Y CombinatorflagshipStrategic or Co-development PartnerWorld's most prestigious startup accelerator accepted Littio, providing funding, mentorship, and access to global investor network.
• PayPal, Wise, Deel, PayoneercoreTechnology or IntegrationIntegration allows users to receive funds from these international payment platforms directly into their Littio accounts. Enables freelancers and remote workers to receive international payments without friction.
• Apple Pay and Google PaycoreTechnology or IntegrationDigital wallet integration allowing users to add Littio Card to Apple Pay or Google Pay for NFC contactless payments on iPhone, Apple Watch, Android devices, and Wear OS.
• PSE, Nequi, Bancolombia, Bre-BcoreTechnology or IntegrationLocal Colombian payment method integrations allowing users to recharge Littio accounts using Colombian peso payment methods. Bre-B enables instant payments via Colombia's instant payment network.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Belo: Argentina-based stablecoin-native fintech offering USD accounts, yield products, and Mastercard card. Closest functional analog to Littio's USDC-powered account and savings model.
• Ripio: LATAM crypto platform (Argentina, Brazil, Mexico, Uruguay) offering crypto wallets, dollar accounts, and OTC services. Direct competitor in the digital dollar and crypto trading segments.
• AirTM: LATAM-focused cross-border payments and digital dollar wallet serving freelancers receiving payouts from platforms like PayPal and Deel. Highly comparable use-case alignment with Littio's freelancer segment.
• Lemon Cash: Argentina-based crypto fintech offering dollar accounts, Mastercard debit card, and crypto on/off-ramps. Highly comparable product surface (USDC-style accounts + card) targeting Argentine inflation hedgers.
• Bitso: Mexico-headquartered crypto exchange and stablecoin-powered payments platform serving LATAM. Direct competitor in USDC/MXN corridors and digital dollar accounts for freelancers and businesses across the region.
• Ualá: LATAM fintech (Argentina/Mexico) offering multi-currency accounts, prepaid cards, and cross-border payments. Direct competitor for freelancer and SMB use cases in the same markets Littio serves.

Broad incumbents

• Nubank: Latin America's largest digital bank with multi-country presence (Brazil, Mexico, Colombia, Argentina). Competes for the same digital-first customer base with broader banking, credit, and investment offerings.
• Mercado Pago: Dominant LATAM digital wallet, prepaid card, and merchant payments platform. Massive incumbent with overlapping freelancer and SMB user base; less crypto-native than Littio but far more capitalized.
• Revolut: Global multi-currency digital bank offering accounts in 30+ currencies, debit cards, and crypto trading. Closest global comparable to Littio's multi-currency + crypto + card platform, but operating at vastly larger scale.

Others

• Wise: Global cross-border payments platform with multi-currency accounts and low-cost international transfers. Functions as both a payment-source integration partner for Littio (users receive funds from Wise) and a competitive benchmark on remittance pricing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Customer concentration

• Xx.com/littioco
• Facebookfacebook.com/littio.col
• LinkedInlinkedin.com/company/littio-co

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 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 Littio