Red Link

What Red Link does

Red Link S.A. is an Argentine privately held financial technology company that operates as a B2B API-first infrastructure provider for the domestic financial ecosystem. Its core offering is an open API environment that connects services, platforms, and products, enabling financial institutions, fintech companies, digital platforms, and merchants to integrate payment processing, collection, banking-as-a-service, real-time transfers, QR-based merchant payments, and token-based security into their own products. The company also operates an ATM network and has launched a consumer-facing digital wallet, suggesting a deliberate broadening from pure infrastructure into adjacent consumer-facing layers.

The underlying technology stack is built around open, secure, ready-to-use APIs that interoperate with banking systems, payment processors, and digital platforms, with a stated design emphasis on real-time processing, global security standards, and a customizable white-label BaaS architecture. Product lines span Soluciones de Pago (payment disbursement), Soluciones de Cobro (collection), Banking as a Service, API Banco, Plataformas Digitales, ATM services, and Seguridad, complemented by Billeteras Digitales, Pagos con Transferencia (QR), and Pagos con Transferencias (P2P). The technology is positioned as an enabling layer rather than a direct consumer brand, with integration interoperability and token-based security highlighted as the primary technical differentiators.

Red Link's business model is multi-stream and largely transaction- and usage-linked: API services generate usage-based revenue, payment processing yields transaction fees, Banking-as-a-Service is monetized through licensing-style infrastructure fees, and the digital wallet targets subscription/recurring revenue from end users. The go-to-market is direct B2B engagement with Argentine financial institutions and fintechs via embedded API integration and white-label partnerships, with no publicly disclosed pricing and no visible international expansion. Customer segmentation is horizontal across banks, fintechs, digital platforms, and merchants, with financial institutions and fintechs identified as primary segments.

Name

Red Link

Legal name

Red Link S.A.

Website

https://redlink.com.ar

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Red Link S.A. is an Argentine B2B API-first fintech infrastructure provider offering open APIs for payments, collections, banking-as-a-service, QR payments, real-time transfers, and token-based security to domestic banks, fintechs, digital platforms, and merchants.

Ownership category

akta.pro rank

Product category

Payment Infrastructure

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

akta.pro secondary industry

Alternative Payments & Digital Wallet Acceptance (A2A, RTP, wallets) (THALAHAH)

Keywords

• Open banking APIs
• Payment processing
• Banking as a service
• Financial infrastructure
• Digital wallet platform

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure

Revenue model

1. API Services: Revenue generated from providing open APIs for banking, payments, and financial services to third-party platforms and financial institutions
2. Payment Processing: Transaction-based revenue from processing payments, QR code transactions, and money transfers in real-time
3. Banking as a Service: Licensing and infrastructure fees for white-label banking platform services provided to partners
4. Digital Wallet Services: Revenue from digital wallet platform serving individual consumers with financial management tools

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Red Link S.A. is an Argentine financial technology company that provides an open API environment connecting financial services, platforms, and products. The company offers payment solutions, collection solutions, Banking-as-a-Service infrastructure, digital wallets, QR-based payments, peer-to-peer transfers, ATM services, and token-based security for financial institutions, fintechs, digital platforms, and merchants.

Product overview

Red Link operates as a unified financial technology platform offering multiple interconnected services: its core API infrastructure (API Banco) serves as the foundation connecting all services, while product-specific offerings include payment solutions (Soluciones de Pago), collection solutions (Soluciones de Cobro), Banking as a Service, digital platforms, ATM services, and security features. The product portfolio also includes consumer-facing features like digital wallets (Billeteras Digitales), QR payments (Pagos con Transferencia), and peer-to-peer transfers (Pagos con Transferencias), all powered by the company's open API environment.

Differentiator

Problem solved

Functional benefit

Products and services

• API Banco (Open Banking API) Open banking API connecting services, platforms, and products with secure and ready-to-use interfaces for financial operations; serves banks, fintechs, and digital platforms integrating Red Link infrastructure.
• Banking as a Service BaaS platform providing infrastructure and APIs for financial institutions and businesses to offer white-label branded banking services.
• Soluciones de Pago (Payment Solutions)

Quantifiable outcome

• Millions of payments processed in real-time through QR technology

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• MODO: Joint venture of major Argentine banks (Santander, Galicia, BBVA, HSBC, Macro, Supervielle, Patagonia, ICBC) operating a unified QR payment and digital wallet platform. Directly competes with Red Link's digital wallet and QR payment products in the Argentine market.
• Naranja X: Argentine fintech spun off from Tarjeta Naranja, offering digital wallet, payment processing, and consumer financial services. Competes directly with Red Link's digital wallet and payment solutions in Argentina.
• Ualá: Argentine-founded neobank with prepaid card, digital wallet, and consumer financial services. Competes with Red Link's consumer-facing wallet and competes for the same fintech and bank-infrastructure customer base in Argentina.
• Pomelo: Argentina-based LatAm Banking-as-a-Service platform providing card issuing, accounts, and payment infrastructure via APIs. Direct competitor to Red Link's BaaS and API banking offerings across Latin America.
• Belvo: LatAm open banking API platform enabling financial data connectivity and payment initiation. Directly competes with Red Link's open banking API and API-based connectivity positioning across Latin America.

Broad incumbents

• MercadoPago: Dominant Argentine and LatAm fintech owned by MercadoLibre, offering payments, wallet, POS, credit, and merchant services. Overlaps significantly with Red Link's payment processing and digital wallet offerings but at vastly larger scale.
• Plaid: Global open banking API platform connecting bank accounts, payments, and financial data. While primarily US-focused, Plaid represents the global benchmark for the open banking API model Red Link aspires to in Argentina.
• Galileo Financial Technologies: US-based payments and Banking-as-a-Service platform owned by SoFi, providing card issuing, payment processing, and digital banking infrastructure. Direct comparability to Red Link's BaaS and payment processing capabilities at global scale.

Emerging players

• dLocal: Uruguay-headquartered cross-border payments platform serving emerging markets including Argentina. Adjacent competitor whose payment processing and emerging-market focus overlap with Red Link's transaction infrastructure business.
• Marqeta: US-based card issuing and payment processing API platform. Comparable to Red Link as an API-first payments infrastructure provider, though focused on card issuance rather than full banking services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/redlinkar

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

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 Red Link