Osmo

What Osmo does

Osmo (legal entity HODL Group LLC) is a Guatemala-based fintech operating a mobile-first multi-currency wallet for individuals and small businesses across Latin America, with operating presence in Guatemala, El Salvador, Costa Rica, and the United States. The core product, OSMO Wallet, holds balances in Quetzales, US Dollars, Bitcoin, and stablecoins (USDC/USDT), executes Bitcoin and stablecoin transfers via the Bitcoin blockchain, Lightning Network, and Polygon, supports fiat on-ramp and off-ramp through bank transfers and affiliated cash agencies (including SINPE/SINPE Móvil in Costa Rica), and offers a Visa debit card (issued via Rain/Signify Holdings) and Mastercard debit card (issued via SOINSA) that allow users to spend balances globally. The platform runs an 80/20 cold/hot Bitcoin custody split with 1:1 fiat backing in partner banks across its four markets and is regulated in El Salvador through Osmo El Salvador, S.A. under CNAD, BCR, and SSF.

The company monetizes primarily through transaction fees — a 3% commission on Bitcoin sends, 5% on international transfers from Quetzales to USD, $2.50 plus 1% on bank transfers, and 1% on cash withdrawals — alongside buy/sell spreads on Bitcoin and stablecoin conversions. Its go-to-market is product-led: a self-serve iOS and Android app with 30-second onboarding, $1 minimum entry, and 24/7/365 availability, supported by organic social media, fintech PR (Forbes Digital Assets, Bitcoin Magazine, Bitcoin News, Prensa Libre, Win.gt), and peer testimonials. The customer base is horizontal, segmented into retail/unbanked users (primary) and SMBs (secondary), with named use cases spanning cross-border remittances, merchant payments, DCA-style programmed Bitcoin purchases, and business payroll in crypto. Strategic extensions include OSMO Private (HNW tier) and OSMO Empresas (B2B treasury/payroll), and the company has raised approximately $2.7 million from Blockchain Founders Fund as of December 2025.

Operationally, Osmo is a small team (1–10 employees) led by co-founders Piero Coen (CEO) and Victor Echeverria (CFO). Its infrastructure combines proprietary wallet software with third-party regulated partners (Rain for Visa, SOINSA for Mastercard, Bridge Ventures LLC for USD virtual accounts, Osmo El Salvador, S.A. for Bitcoin custody, and Ibex Mercado for Lightning Network integration), meaning its competitive position rests substantially on its regulatory licensing in El Salvador, interoperability across 1,000+ wallets/exchanges and 10,000+ merchants, and the physical cash-agency distribution footprint in its core Central American markets.

Name

Osmo

Legal name

HODL Group LLC

Website

https://osmowallet.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Osmo (HODL Group LLC) is a Guatemala-based fintech offering a mobile multi-currency wallet for individuals and SMBs across Latin America, enabling Bitcoin, stablecoin, and fiat transactions, international transfers, and global card spending across Guatemala, El Salvador, Costa Rica, and the US.

Ownership category

akta.pro rank

Product category

Cryptocurrency Wallet

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

akta.pro secondary industries

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD)

Keywords

• Cryptocurrency wallet services
• Cross-border remittances
• Bitcoin payments
• Multi-currency accounts
• Lightning network payments

Headquarters

HQ city

Guatemala City

HQ country

Guatemala

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Cryptocurrency Transaction Fees: Osmo charges transaction commissions on Bitcoin and stablecoin transfers: 3% fee on BTC sends, 5% on international transfers from Quetzales to USD, and 1% bank transfer commission
2. Bank Transfer Fees: Fees on bank transfers: $2.50 per transfer plus 1% commission; cash withdrawals at affiliated agencies with 1% commission and immediate processing
3. Bitcoin Purchase/Sell Spread: Revenue generated through the spread between buy and sell prices of Bitcoin and stablecoins; 0% commission on Bitcoin purchases noted for some transactions

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels12 records

Core offering

Osmo operates a mobile wallet application that enables users across Latin America to buy, sell, send, and receive Bitcoin and other cryptocurrencies, hold balances in Quetzales (GTQ), US Dollars (USD), Bitcoin (BTC), and stablecoins (USDC), make international transfers via the Bitcoin Blockchain, Lightning Network, and Polygon networks, and pay at more than 10,000 merchants worldwide. The platform is regulated in El Salvador as a digital asset service provider and supports physical cash withdrawal through affiliated agencies.

Product overview

OSMO is a fintech company offering a unified mobile wallet platform for LATAM users, combining a core mobile application with several integrated modules and sub-brands. The core OSMO Wallet enables multi-currency accounts (Quetzales, Dollars, Bitcoin, USDC), international transfers via Blockchain/Lightning Network/Polygon, Bitcoin trading, and global card payments. Additional products include the Tarjeta OSMO physical/debit card, the Inversión Programada automated investing module, Transferencias Internacionales for cross-border remittances, OSMO Private for high-net-worth individuals, and OSMO para Empresas for business clients. The platform is regulated in El Salvador and operates across Guatemala, Costa Rica, and El Salvador.

Differentiator

Problem solved

Functional benefit

Brands

• OSMO Private: Private banking services offering higher limits and exclusive features for verified high-volume users.
• OSMO Empresas

Products and services

• OSMO Wallet (Core Mobile Application) A mobile wallet application enabling users in Latin America to open global accounts, hold multi-currency balances (GTQ, USD, BTC, USDC), make international transfers, pay at merchants, and buy and sell Bitcoin.
• Tarjeta OSMO (Physical/Debit Card) A Visa and Mastercard debit card that allows users to pay globally using their OSMO wallet balance, including Bitcoin holdings, at any merchant that accepts Visa or Mastercard.
• Inversión Programada (Scheduled Investing) Automated recurring investment feature that allows users to set up scheduled Bitcoin purchases on a regular cadence without manual intervention.
• Transferencias Internacionales International transfer feature enabling instant cross-border money transfers via Bitcoin Blockchain, Lightning Network, and Polygon, supporting over 1,000 wallets, platforms, and exchanges worldwide.
• OSMO Private Premium service tier offering higher limits, dedicated support, and exclusive features for verified high-volume users.
• OSMO Empresas Business-oriented solutions targeting corporate clients and enterprises, including bulk transfers, payroll in crypto, and corporate accounts.

Quantifiable outcome

• 30 seconds to register an account
• +3 more outcomes

Named customers7 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Seven partnerships are on record, tiered core.

• CoinbasecoreTechnology or IntegrationCryptocurrency exchange integration for wallet connectivity; allows users to connect Coinbase wallets and execute transfers between platforms
• Rain (Signify Holdings, Inc.)coreTechnology or IntegrationIssues Visa debit cards for Osmo users; enables spending OSMO balance anywhere Visa is accepted globally
• SOINSA (Sociedad Internacional de Servicios S.A.)coreTechnology or IntegrationIssues Mastercard debit cards for Osmo users; provides additional card network option for global payments
• Bridge Ventures LLCcoreTechnology or IntegrationProvides USD virtual account services and digital dollar custody; enables US dollar functionality for LATAM users
• Osmo El Salvador, S.A.coreTechnology or IntegrationRegulated digital asset service provider in El Salvador (CNAD, BCR, SSF); provides Bitcoin custody services for Osmo users
• 1,000+ Wallets, Platforms, and ExchangescoreTechnology or IntegrationBroad ecosystem compatibility including major exchanges and wallets; enables sending/receiving across Bitcoin, Lightning, and Polygon networks to any wallet globally
• 10,000+ MerchantscoreChannel Partner/ Reseller/ DistributorGlobal merchant network accepting Bitcoin payments via Osmo; users can pay in Bitcoin at these merchants without spending their BTC directly

Scale indicators7 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Bitso: Bitso is the leading crypto exchange and wallet in Mexico and Argentina, also expanding across Latin America. Directly comparable to Osmo as a multi-currency crypto wallet with fiat on/off-ramps targeting unbanked/underbanked LATAM consumers and SMBs, but at significantly larger scale and capital base.
• Strike: Strike is a Bitcoin Lightning Network-based payments app enabling instant, low-cost transfers globally. Directly comparable to Osmo's Lightning integration and remittance use case, with stronger US-market positioning and notable brand partnerships.
• Lemon Cash: Lemon Cash is an Argentine crypto wallet/exchange targeting LATAM consumers with multi-currency accounts, Visa card integration, and yield products. Closely comparable to Osmo's retail consumer wallet, debit card, and savings products across the same regional user profile.
• Chivo Wallet: Chivo is the state-issued Bitcoin wallet deployed by the Government of El Salvador. Directly comparable to Osmo as a regulated El Salvador-domiciled crypto wallet serving consumers and merchants, though backed by sovereign rather than private capital.
• Ripio: Ripio is a Latin American crypto exchange and fintech offering wallets, P2P trading, and crypto debit cards across Argentina, Brazil, and Mexico. Comparable to Osmo's retail crypto wallet, card, and merchant-acceptance model across LATAM markets.
• IBEX Mercado: IBEX Mercado operates the Bitcoin Lightning Network for payments and merchant settlement, and is an explicit Osmo partner. Comparable as a Lightning-first payments infrastructure player serving LATAM merchants and consumers.
• Paxful: Paxful is a P2P crypto marketplace historically strong in LATAM and emerging markets for buying/selling Bitcoin via local payment methods. Comparable to Osmo's fiat-to-Bitcoin flow for underbanked LATAM users, though Paxful operates a marketplace model rather than a custodian wallet.

Broad incumbents

• MoonPay: MoonPay is a global crypto payments infrastructure provider powering on-ramps for wallets, exchanges, and NFT platforms. Comparable to Osmo's fiat-to-crypto and crypto-to-fiat flows, though operating as an enterprise/B2B infrastructure layer rather than a consumer wallet.
• Binance P2P: Binance operates the world's largest crypto exchange with deep P2P fiat rails in LATAM markets including Guatemala, El Salvador, and Costa Rica. Competes directly with Osmo on cross-border transfers and crypto purchases for the same regional user base, with massively greater liquidity and brand recognition.
• Coinbase: Coinbase is a US-listed global crypto exchange and wallet provider; Osmo is an explicit integration partner for wallet connectivity. Comparable at the consumer-wallet and on-ramp layer, though Coinbase operates at vastly greater scale and regulatory footprint globally.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/osmowallet
• Facebookfacebook.com/osmoenvios
• LinkedInlinkedin.com/company/osmo-wallet
• Instagraminstagram.com/osmo.money
• TikToktiktok.com/@osmo.money

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds2 records

Investors2 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 Osmo