What Kambista does

Kambista is a Peruvian online currency exchange (casa de cambio online) founded in 2016 and headquartered in Lima. The company operates a regulated digital platform that lets individuals (personas) and businesses (empresas) convert between US dollars and Peruvian soles through a three-step flow (Cotiza → Transfiere → Recibe): the user obtains a live quote, transfers funds from a Peruvian bank account, and receives the converted currency in an estimated 15 minutes. Kambista self-describes as Peru's first online casa de cambio and current sector leader, serving more than 58,000 registered users across the country.

The platform is built as a web application backed by native mobile apps published on Google Play, the Apple App Store, and Huawei AppGallery. Core components include a real-time USD-PEN exchange-rate calculator, push-notification rate alerts (Alertas de Cambio), a Koinks loyalty rewards program, biometric facial authentication for onboarding, and real-time AML/transaction monitoring under Peruvian SBS-UIF supervision (Registration 00335-2017). The product line spans the core consumer FX service, a Kambista Empresas B2B sub-product for corporate accounts, a Conversor de Divisas public conversion tool, and a TC Preferencial channel for negotiated high-value rates. Outside Lima, Kambista operates through a distribution and settlement partnership with Banco de Crédito del Perú (BCP), making a BCP account a precondition for provincial users to complete transactions.

Kambista monetizes primarily through the spread between its published Compra (buy) and Venta (sell) USD-PEN rates, supplemented by a higher-margin negotiated rate channel (TC Preferencial) for transactions above $5,000 or S/. 18,000 executed via WhatsApp. Customer acquisition is driven by an extensive SEO-oriented blog and city-specific landing pages, organic social (Facebook, Instagram, YouTube), and PR-driven authority positioning. The company has disclosed only a single early seed round of approximately $80,000 in July 2017 and has since operated largely bootstrapped as a Peruvian Sociedad Anónima Cerrada (Kambista S.A.C., RUC 20601708141).

Name

Kambista

Legal name

Kambista S.A.C.

Website

https://kambista.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Kambista is a Peruvian online currency exchange founded in 2016 that lets individuals and businesses convert US dollars and Peruvian soles via a regulated web and mobile platform, serving over 58,000 users nationwide through BCP-bank-enabled provincial distribution.

Ownership category

akta.pro rank

Product category

Digital Currency Exchange (Online FX / Casa de Cambio)

NAICS

Securities and Commodity Contracts Intermediation and Brokerage (5231)

SIC

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

akta.pro primary industry

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

Keywords

• Currency exchange services
• Digital money transfer
• Foreign exchange platform
• Online remittance services
• Fintech payment services

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. FX spread on USD-PEN exchange: Primary revenue stream: Kambista earns the spread between its published buy rate (Compra) and sell rate (Venta) on each USD-PEN currency conversion. Rates shown in real time on the website. Higher-volume customers unlock preferential rates via WhatsApp, but the spread-based monetization model applies across all transactions.
2. Preferential-rate margin on large transactions: Higher-margin FX transactions for amounts exceeding $5,000 or S/. 18,000, where customers can request a preferential (negotiated) rate through the WhatsApp channel, generating additional revenue per transaction versus the standard online spread.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Kambista is a regulated online currency exchange (casa de cambio online) for converting between US dollars (USD) and Peruvian soles (PEN). Users register on the web platform or mobile app, get a live quoted rate, transfer funds from their bank, and receive the converted currency in an estimated 15 minutes. Revenue is earned primarily on the FX spread between published buy (Compra) and sell (Venta) rates, with higher-margin preferential rates offered via WhatsApp for transactions above $5,000 or S/. 18,000.

Product overview

Kambista operates a single integrated online currency-exchange platform — a web application complemented by the native App Kambista (iOS, Android, Huawei AppGallery) — that lets Peruvian consumers and businesses convert between USD and PEN in minutes. Built around the three-step flow Cotiza → Transfiere → Recibe, the platform layers several modules on the same core product: the Alertas de Cambio notification engine for rate alerts, the Koinks loyalty/rewards program surfaced inside the calculator, the Kambista Empresas corporate sub-product for business FX, the Conversor de Divisas public conversion tool, and the TC Preferencial WhatsApp-based preferential-rate channel for transactions above the standard threshold.

Differentiator

Problem solved

Functional benefit

Products and services

• Kambista Online Currency Exchange (Casa de Cambio Online) Self-serve online platform for buying and selling US dollars and Peruvian soles, built around a three-step flow (Cotiza, Transfiere, Recibe) that lets users quote, deposit from a bank, and receive the converted currency in an estimated 15 minutes. The platform is regulated by Peru's SBS (Registration 00335 - 2017) and serves both personal (Personas) and business (Empresas) accounts.
• App Kambista (Mobile) Native mobile application of the Kambista currency-exchange platform, published on Google Play (Android), the Apple App Store (iOS), and Huawei AppGallery. Enables users to perform USD-PEN conversions, configure exchange-rate alerts, and manage Koinks loyalty rewards from iOS and Android devices.
• Kambista Empresas Dedicated business-focused currency-exchange service for Peruvian companies. Corporate users create a personal profile and then register a company profile to perform USD-PEN conversion for supplier payments, collections, and operational treasury needs, with preferential rates accessible for high-volume transactions.
• TC Preferencial (Preferential Exchange Rate) Negotiated, WhatsApp-mediated exchange-rate channel for high-value transactions. Customers requesting rates for amounts above $5,000 or S/. 18,000 receive an individually quoted preferential rate via WhatsApp (922 340 125), bypassing the standard Compra/Venta spread published on the website.

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature9 records

Partnerships

Four partnerships are on record, tiered core / flagship — extends kambista's reach beyond lima and is essential to serving provincial peru., minor — referenced via a 'kambista y urbania – aliados estratégicos' link from kambista's own blog., core — regulatory authorization enabling legal operation as a casa de cambio digital in peru. and core distribution infrastructure for the mobile app..

• Banco de Crédito del Perú (BCP)core / flagship — extends kambista's reach beyond lima and is essential to serving provincial peru.Channel Partner/ Reseller/ DistributorKambista partners with BCP so that, in regions outside Lima (e.g., Sullana, La Oroya, Huamachuco), customers must have or transact into a BCP account to complete USD-PEN exchanges. Described in Kambista's own regional landing pages as a strategic-operational alliance guaranteeing efficiency and security of the service nationwide.
• Urbaniaminor — referenced via a 'kambista y urbania – aliados estratégicos' link from kambista's own blog.GTM or Marketing PartnerUrbania (a Peruvian real-estate listings platform) is referenced as a 'socio estratégico' / 'aliado estratégico' through an internal Kambista blog link; partnership details beyond co-marketing are not elaborated in the available source.
• Superintendencia de Banca, Seguros y AFP (SBS) / Unidad de Inteligencia Financiera del Perú (UIF)core — regulatory authorization enabling legal operation as a casa de cambio digital in peru.OthersKambista is registered with the SBS (Registration 00335 - 2017) and supervised by the UIF for AML/CFT (LA/FT) prevention purposes, as disclosed on the company website.
• Google Play, Apple App Store, Huawei AppGallerycore distribution infrastructure for the mobile app.Technology or IntegrationStandard mobile-app distribution integrations: Kambista's mobile application is published on Google Play (Android), Apple's App Store (iOS), and Huawei's AppGallery, enabling customer onboarding across all major mobile platforms.

Scale indicators7 records

Recent moves6 records

Expansion highlights2 records

Others

• Binance P2P: Global crypto exchange with a P2P USDT/PEN market widely used in Peru as a parallel-dollar channel. While not a regulated casa de cambio, it competes for the same informal-market demand and is the main structural disintermediation risk to Kambista's spread business.

Broad incumbents

• Bitso: Latin America's largest crypto exchange, operating in Mexico, Argentina, Brazil, and expanding across the region. Its USDT-PEN and dollar-on-ramp products overlap with Kambista's retail FX value proposition, particularly for users seeking digital-dollar exposure.
• Interbank: Major Peruvian commercial bank offering USD-PEN exchange to its account base. As a bank-led incumbent with deep retail penetration, it represents the institutional alternative to digital-first players like Kambista.
• Wise: Global digital FX and cross-border payments platform. While not focused on Peru retail, its transparent mid-market-rate positioning sets a customer-expectation benchmark that pressures spreads at incumbents like Kambista.
• Remitly: U.S.-headquartered digital remittance platform with significant LATAM flows into Peru. Competes for the same user wallet — converting and moving USD-PEN — though primarily from a sender-in-the-U.S. angle.
• Western Union: Global remittance and FX incumbent serving the Peruvian diaspora corridor. While primarily remittance-led, it overlaps with Kambista on cross-border USD flows and digital cash-pickup / wallet alternatives.
• Banco de Crédito del Perú (BCP): Peru's largest bank and Kambista's distribution partner outside Lima. BCP offers its own USD-PEN exchange window to account holders and is both an enabler (provincial reach) and a structural competitor — any in-house digital FX push would directly pressure Kambista.

Direct peers

• Rextie: Rextie is Peru's other leading casa de cambio online, offering the same USD-PEN online exchange model with live rates, mobile apps, and business accounts. It is the closest head-to-head competitor to Kambista in the Peruvian digital FX category.

Emerging players

• Buenbit: Argentina-based crypto exchange providing USDT/ARS on-ramps and dollar-savings products. Comparable to Kambista as a digital casa de cambio alternative for users fleeing currency volatility, though focused on Argentina rather than Peru.
• Lemon Cash: Argentine crypto-fintech offering dollar and stablecoin on/off-ramps across LATAM. Comparable as a digital, regulated (locally) alternative to informal FX, with overlapping retail-FX customer behavior in volatile-currency economies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@kambista-cambiasolesydolar1300
• Facebookfacebook.com/kambistaperu
• Instagraminstagram.com/kambistaperu
• Xx.com/kambista1
• LinkedInlinkedin.com/company/17880701

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors

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 Kambista