What fiwind does

Fiwind is an Argentine fintech super-app operated by Financewind S.A. (with subsidiary entities Fiwind Capital S.A. and Fiwind Pay S.A.), headquartered in Rosario and serving primarily individual consumers in Argentina. The platform consolidates cryptocurrency trading across 15+ digital assets and 18+ networks, fiat currency services in ARS and USD, ARS yield via the Delta Pesos mutual fund, crypto yield through CeFi/DeFi protocol routing, brokerage access to stocks and CEDEARs (Cuenta Comitente), virtual Mastercard payments via Google Pay and Apple Pay, interoperable QR scanning across Mercado Pago/Cuenta DNI/Ualá, service bill payment for 5,000+ companies, and cross-border transfers to Brazil (Pix) and the US (ACH/Wire via Bridge) into a single mobile application available on iOS and Android.

Under the hood, the platform combines multi-chain wallet infrastructure (BTC, Lightning Network, ERC20, BSC, Arbitrum, Optimism, Base, Polygon, Solana, Tron, Toncoin, Polkadot, Cardano, XRP Ledger, Stellar) with regulatory integration to Argentina's securities framework: Financewind S.A. holds PSAV registration N°75 with CNV (dated September 6, 2024) and Fiwind Capital S.A. holds ALyCI registration N°2231, enabling both crypto-asset services and capital-markets intermediation. Key partnerships include Delta Asset Management and Banco de Valores for ARS mutual funds, Bridge for connected USD accounts, Mastercard for the virtual card, Pix (Banco Central do Brasil) for Brazilian instant payments, and Auntap for bill payment processing.

Fiwind operates a zero-commission retail pricing model: crypto buy/sell carries no commission and revenue is generated through spreads on quoted prices, network fees passed through to users, a share of yield-protocol returns, asset-based fees on the Delta Pesos fund (3.5% individual / 2% legal entity annual admin fee paid to Delta Asset Management plus 0.07% depositary fee), and card transaction processing/currency conversion margins. Distribution is exclusively direct-to-consumer via mobile app stores and a web panel with no physical channels, and the company is privately held with no disclosed parent or external institutional investors.

Name

fiwind

Legal name

Financewind S.A.

Website

https://fiwind.io

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Fiwind is an Argentine fintech super-app (Rosario-based, founded 2016) offering individual consumers crypto trading, ARS/USD yields, virtual Mastercard payments, QR interoperability, Pix transfers to Brazil, and US-linked USD receiving via a single mobile app.

Ownership category

akta.pro rank

Product category

Cryptocurrency and digital payments platform

NAICS

Credit Card Issuing (52221), Other Nondepository Credit Intermediation (52229)

SIC

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

akta.pro primary industry

Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD)

akta.pro secondary industries

Cross-Border & FX Payments Platforms (BPAMAFAK), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Card Issuing & Virtual Cards (lodge cards, single-use, tokenization) (THALAHAB), Alternative Payments & Digital Wallet Acceptance (A2A, RTP, wallets) (THALAHAH)

Keywords

• Cryptocurrency exchange app
• Digital payments platform
• Cross-border money transfers
• Prepaid virtual card
• Brokerage account services

Headquarters

HQ city

Rosario

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Crypto Conversion Spreads: Fiwind charges no commissions on crypto buy/sell operations. Revenue is generated through the spread between the quoted price and the market price at the time of operation. Prices shown at time of transaction are final.
2. Network Cost Recovery: While Fiwind does not charge withdrawal fees on cryptocurrency, network fees (which vary by coin and network selected) are passed through to the user. This includes BTC network fees for BTC and BSC networks, ETH gas for ERC20 tokens, and similar network-dependent costs across all supported blockchains.
3. Mutual Fund Yield Management (Delta Pesos): Fiwind earns revenue through the Delta Pesos mutual fund (Fondo Común de Inversión Delta Pesos) placed via its platform. Delta Asset Management charges a 3.5% annual administration fee for individuals and 2% for legal entities, plus 0.07% annual fee from Banco de Valores as depositary. Fiwind itself does not charge users for this service.
4. Crypto Investment Protocol Fees: The Investments (Rendimientos en Criptomonedas) feature generates revenue through variable fees deducted from the reported yields (APY). The platform facilitates access to CeFi and DeFi protocols on behalf of users and retains a portion of the protocol returns as compensation for the service.
5. Prepaid Card Processing: The Mastercard virtual prepaid card generates revenue through transaction processing fees, currency conversion spreads on international transactions (converted at official Banco Nación Argentina exchange rate plus additional costs), and applicable taxes borne by the cardholder.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

Fiwind provides a single mobile super-app that consolidates crypto trading and custody (multi-chain wallet with Lightning support), Argentine peso and dollar balances with remunerated CVU, brokerage investing via its own CNV-regulated Cuenta Comitente, a Mastercard-issued prepaid virtual card, interoperable QR payments and bill pay, and cross-border transfers to Brazil (Pix) and the US (Bridge-powered ACH/Wire). The offering is targeted at Argentine retail users who need an integrated alternative to fragmented banking, exchange, and payment apps.

Product overview

Fiwind is an Argentine fintech super-app combining cryptocurrency trading, fiat currency services (ARS/USD/BRL), investment management, and payment processing into a unified mobile and web platform. The core Fiwind App serves as the central hub, integrating a virtual Mastercard prepaid card (Fiwind Virtual Card) for contactless payments via Google Pay and Apple Pay, a yield-earning feature for both crypto and fiat balances (Fiwind Yield / CVU Remunerada), cryptocurrency yield protocols (Fiwind Inversiones), QR code payment scanning for Mercado Pago/Cuenta DNI/Ualá interoperability, bill payment services for 5,000+ companies via Auntap S.A., international USD transfer capabilities via Bridge with ACH/Wire support from US platforms, Pix integration for Brazilian Reais transactions, and a brokerage account service (Fiwind Cuenta Comitente) for capital markets investing. A dedicated Corporate tier serves business clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Fiwind App Mobile super-app (iOS, Android, and web) consolidating crypto trading and custody, USD and ARS balances, brokerage investing, card, payments, and cross-border transfers for Argentine retail users.
• Fiwind Virtual Card (Mastercard prepaid) Mastercard-issued prepaid virtual card linked to the Fiwind App for international online spending and payments.
• Fiwind Cuenta Comitente (brokerage account) CNV-regulated brokerage account offered via Fiwind Capital S.A. (ALyCI) that allows users to trade Argentine capital-markets instruments through the Fiwind App.
• Fiwind International Transfers (US ACH/Wire via Bridge) Cross-border transfer service from Argentina to the United States using Bridge-as-a-service integration for ACH and Wire payouts.
• Fiwind Pix Integration (Brazil transfers) Cross-border instant-transfer service from Argentina to Brazil via Brazilian Pix rail interoperability.
• Delta Pesos (money-market mutual fund) Argentine peso money-market mutual fund available inside the Fiwind App, providing remunerated peso balances on user funds.
• Fiwind Inversiones (Crypto Yield Basket) Curated crypto yield product that routes capital across DeFi and CeFi protocols to generate returns on held crypto assets.
• Fiwind Corporate Sub-brand of fiwind offering regulated corporate brokerage and capital-markets services via Fiwind Capital S.A. to Argentine businesses.

Quantifiable outcome

• Zero-commission crypto trading with final prices at time of transaction
• +6 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration23 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• Delta Asset Management S.A.coreStrategic or Co-development Partner · 8 August 2022Delta Asset Management S.A. is the placement agent and asset manager (Sociedad Gerente) of the Delta Pesos Mutual Fund (Fondo Común de Inversión Delta Pesos Nro. 536), registered with CNV under registrations N°40 and N°158 respectively. Fiwind acts as a placement distributor for the fund, enabling users to automatically invest their ARS balances in cuotapartes of the fund to generate yields. The fund charges 3.5% annual management fee (individuals) and 2% (legal entities), plus 0.07% annual depositary fee from Banco de Valores.
• Banco de Valores S.A.coreStrategic or Co-development PartnerBanco de Valores S.A. serves as the depositary (Sociedad Depositaria) for the Delta Pesos Mutual Fund, registered with CNV under registration N°6. The bank holds custody of fund assets and charges 0.07% annual fee on fund assets. Fiwind integrates with Banco de Valores through its platform to enable fund subscription and redemption for users.
• BridgecoreTechnology or IntegrationBridge provides the Connected Account and digital asset purchase/sale services that enable Fiwind users to receive USD from US banks and platforms via ACH and Wire transfers. Users open a Bridge-connected account to receive international USD deposits which are then converted to USDC and sent to the user's Fiwind account. Minimum transaction is 100 USD.
• MastercardcoreTechnology or IntegrationMastercard provides the payment network infrastructure for Fiwind's virtual prepaid card. The card is a Mastercard-branded virtual prepaid card accepted at any merchant worldwide that accepts Mastercard. Transaction approvals are subject to Mastercard network availability.
• Pix (Banco Central do Brasil)coreTechnology or IntegrationPix is Brazil's instant payment system operated by the Banco Central do Brasil. Fiwind integrates with Pix to allow users to send Reais to Brazil and receive Reais via QR code with funds credited in ARS or USDT within 30 seconds to 5 minutes. This enables cross-border payments between Argentina and Brazil.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Mercado Pago: Argentina's dominant payments super-app, part of MercadoLibre. Offers QR payments, prepaid cards, crypto trading, yields, and credit — the broadest direct competitor to Fiwind's super-app model with vastly larger distribution.
• Binance: Global crypto exchange with P2P ARS rails in Argentina. Comparable on crypto trading, multi-chain support, and yield products, but with much broader scale and no local regulatory registration as PSAV.
• Naranja X: Argentine consumer financial app from Tarjeta Naranja offering card, payments, loans, and now investments. Comparable in consumer fintech super-app ambition, with strong incumbent brand but weaker crypto exposure.

Direct peers

• Ualá: Argentine consumer fintech offering prepaid card, payments, transfers, investments, and crypto. Closely comparable product scope to Fiwind and a direct competitor for the same Argentine consumer segment.
• Lemon Cash: Argentine crypto fintech offering crypto trading, yields, and a Visa debit card. Strongest direct competitor in Fiwind's crypto-plus-card core product combination.
• Bitso: Latin America's largest crypto exchange operating in Argentina, Brazil, and Mexico with peso rails and yields. Closest regional peer for Fiwind's cross-border crypto and Pix/ARS flows.
• Ripio: Argentine-origin crypto exchange and fintech offering trading, yields, OTC, and B2B crypto rails. Direct competitor in Argentine crypto trading and institutional-style brokerage.

Regional players

• Prex: LATAM prepaid card and payments fintech operating in Argentina, Uruguay, Paraguay, and Peru. Comparable in card and QR payments but less focused on crypto, useful peer for cross-border prepaid card benchmarks.

Emerging players

• Belo: Argentine crypto consumer app for buying/selling/stablecoin yield. Directly comparable to Fiwind's yield-and-wallet core, with similar scale and target customer.

Others

• Bridge (held by Stripe): USDC/stablecoin payments infrastructure provider that powers Fiwind's international USD account. Adjacent infrastructure peer — not a direct competitor, but a critical technology partner whose roadmap shapes Fiwind's cross-border product.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/fiwind_io
• Facebookfacebook.com/fiwind.io
• LinkedInar.linkedin.com/company/fiwind
• Instagraminstagram.com/fiwind.io
• TikToktiktok.com/@fiwind

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 fiwind