What GOIAR does

GOIAR S.A.S. is an Argentine fintech infrastructure company, founded in 2018 and headquartered in Buenos Aires, that operates as a B2B2X platform enabling enterprises across Latin America to launch their own branded financial circuits without building the underlying stack or obtaining their own regulatory license. The company exposes a modular platform consisting of a mandatory Base module (KYC/KYB onboarding, accounts, fraud prevention, backoffice) and four optional modules: Emisión (digital and multi-currency accounts, branded physical and virtual cards), Pagos (transfers, mass disbursements, QR, crypto, cross-border), Adquirencia (POS, recurring collections, automatic reconciliation, payment links, ecommerce checkout), and Inversiones (interest-bearing accounts, capital markets, crypto, loans, tokenization). Distribution is delivered through three named product lines (Go-Digital Empresas, Go-Digital Individuos, Go-Collect) plus the Gollet pre-built white-label mobile wallet, deployed via turnkey, API-first, or hybrid integration modes.

GOIAR serves roughly 40+ enterprise customers across 14 verticals and 6 LATAM countries (Argentina, Uruguay, Paraguay, Bolivia, Peru, Chile). The visible customer base includes Argentine banks (Banco del Sol, Banco Hipotecario, Banco Patagonia, Banco San Juan, Banco Santa Fe, Bancor, Provincia), large fintechs (Naranja X, Lemon, EBANX, Broxel, Interbanking, Bi Bank), gaming operators (Betwarrior, Betfun, Casino Buenos Aires), corporates (Intel, Siemens, Technisys), insurance (Grupo Sura), retail (ABCDin, GP, Sinteplast), media (Artear), logistics (Aerosan), and remittance (Argenper). The platform targets enterprise customers seeking branded wallets, sub-accounts per branch or unit, automatic reconciliation, ERP integration, and float capture within their own ecosystem.

Revenue is generated through a combination of enterprise licensing and platform fees (custom, quote-based, multi-year contracts), transaction processing fees on payments, card, and QR volumes running over the Gonnectia SAS PSP rail, and API/integration services for clients adopting the API-first or hybrid deployment modes. GOIAR employs approximately 50 people across product, engineering, regulation, and operations, and holds ISO 9001 certification (since 25-07-2022). The company is privately held with no disclosed funding rounds, no parent company, and no public listing. The CEO is Ariel Cabrejos.

Name

GOIAR

Legal name

GOIAR S.A.S.

Website

https://goiar.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

GOIAR is an Argentine fintech infrastructure platform that enables enterprises across 6 Latin American countries to launch branded financial circuits (accounts, payments, acquiring, investments) in roughly one month via modular white-label or API integration, operated through its regulated PSP subsidiary Gonnectia SAS.

Ownership category

akta.pro rank

Product category

Fintech Infrastructure

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industries

Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Processor Back-End & Switch Providers (Issuer/Acquirer Processing Infrastructure) (FSAMABAJ)

Keywords

• Fintech infrastructure
• Embedded finance
• White-label banking
• Payment processing platform
• Digital wallet issuance

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform Licensing / Infrastructure Fees: GOIAR provides the regulated infrastructure, licensing (via Gonnectia SAS), and integrations allowing companies to launch financial circuits with their brand. Revenue likely derived from licensing fees, platform access fees, and transaction processing fees.
2. Transaction Processing Fees: Fees generated from payment processing, card transactions, QR payments, transfers, and other financial operations within the platform.
3. API/Integration Services: Revenue from companies integrating GOIAR's infrastructure via API-first approach or hybrid model, with white-label app and backoffice options.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

GOIAR provides modular fintech infrastructure-as-a-service that enables companies to launch their own branded financial circuits, offering accounts, payments, and acquiring capabilities. Deployed via white-label, API-first, or hybrid modes, with regulated PSP operations handled through its subsidiary Gonnectia SAS.

Product overview

GOIAR is a modular fintech infrastructure-as-a-service platform based in Argentina, operating across 6 Latin American countries. The offering is a platform-plus-modules architecture built around a mandatory Base module (KYC/KYB onboarding, accounts, fraud prevention, backoffice) with four optional capability modules: Emisión (digital accounts, multi-currency, card issuance), Pagos (transfers, mass disbursement, QR/crypto/cross-border), Adquirencia (POS, recurring, reconciliation), and Inversiones (paid accounts, capital markets, crypto, loans, tokenization). The platform is commercialized through three named product lines: Go-Digital Empresas (corporate financial circuit: accounts, disbursement, acquiring, backoffice), Go-Digital Individuos (white-label wallet for individuals with a pre-built mobile app called Gollet), and Go-Collect (sub-acquiring, collection, and automatic reconciliation for distributed networks). Clients can deploy via turnkey (GOIAR-supplied branded app and backoffice), API-first (connect GOIAR as the financial engine), or hybrid modes. The underlying PSP infrastructure is operated by regulated subsidiary Gonnectia SAS.

Differentiator

Problem solved

Functional benefit

Brands

• Go-Digital: Digital banking platform for businesses and individuals, providing accounts, disbursements, acquiring and backoffice solutions
• Go-Collect
• Gollet
• Gonnectia

Products and services

• Go-Digital Empresas Business financial circuit platform providing company accounts and CVU, mass payment disbursement, card acquiring (QR, card, transfer) with automatic reconciliation, branded card issuance (physical and virtual), paid account with investment access and fiat-to-crypto exchange, and a management backoffice for users, entities, reports, and transactional dashboards.
• Go-Digital Individuos White-label digital wallet and account platform for individuals, offering per-user wallet and CVU accounts, transfers and QR payments, physical and virtual tokenized brand cards, investment and crypto capabilities, loan simulation and approval, and a pre-built mobile channel app called Gollet.
• Go-Collect Collection and reconciliation platform for distributed networks, providing sub-acquiring (PSP) for card and QR online payments, CVU-based collection with automatic payment identification and imputation, recurring charge collection for installments and fees, automatic reconciliation per transaction, per-point subaccounts with consolidated view, and a dashboard for live collection monitoring and fund withdrawals.
• Gollet Pre-built white-label mobile banking app (iOS and Android) offered as a branded channel for Go-Digital Individuos, enabling clients to launch a branded wallet without developing an app from scratch, supporting transfers, service payments, QR payments, card usage, investments, crypto operations, and loans.
• GOIAR Platform (Modular Infrastructure) Modular fintech infrastructure platform with a mandatory Base module (KYC/KYB onboarding, account balances/movements, basic payments, fraud prevention, backoffice) plus optional activatable modules: Emision (digital/multi-currency accounts, card issuance), Pagos (transfers, mass payments, QR, crypto, cross-border), Adquirencia (POS, recurring collections, reconciliation, payment links, ecommerce checkout), and Inversiones (interest-bearing accounts, capital markets, crypto, loans, tokenization).
• Gonnectia SAS Regulated Payment Service Provider (PSP) subsidiary of GOIAR operating under a BCRA license, providing the underlying regulated payment infrastructure for sub-acquiring, card processing, transfers, and compliance operations.

Quantifiable outcome

• 1 month time-to-market vs 12-24 months building from scratch
• +2 more outcomes

Named customers41 records

Segments14 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature9 records

Partnerships

One partnership is on record.

• Gonnectia SAScoreTechnology or IntegrationGonnectia SAS is a subsidiary of GOIAR operating as the regulated Payment Service Provider (PSP) with BCRA license. All regulated financial operations including card processing, transfers, and compliance run through Gonnectia infrastructure.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Mercado Pago: Mercado Pago is the largest LATAM payments and digital wallet incumbent with embedded finance capabilities across the region. While not a BaaS-native platform, it overlaps with GOIAR's payments, QR, and acquiring modules via its own consumer-facing wallet and merchant services.
• Stripe: Stripe offers global embedded finance and payment infrastructure including issuing, acquiring, and financial APIs via Stripe Connect and Stripe Issuing. Compares as a broad incumbent where it overlaps with GOIAR's modular payments, card issuance, and BaaS platform capabilities across LATAM.

Direct peers

• Belvo: Belvo is a Latin American open banking and financial API platform providing account aggregation, payments initiation, and financial data connectivity. Overlaps with GOIAR on the BaaS/payments infrastructure layer serving enterprise customers across LATAM.
• Nimbus: Nimbus provides financial-as-a-service infrastructure in Brazil, including digital accounts, payments, and card issuance via API. Shares the white-label and API-first BaaS model targeting enterprises that want to embed financial services with their own brand, partially overlapping with GOIAR's vertical playbook.
• Pomelo: Pomelo is a Latin American Banking-as-a-Service platform enabling companies and fintechs to issue cards, open accounts, and process payments through APIs. It directly competes with GOIAR's BaaS offering across Argentina, Brazil, and Mexico, serving similar vertical customers including banks, fintechs, and non-financial brands.
• Dock: Dock is a Brazilian payment processing and BaaS company offering card issuance, payment processing, and digital banking infrastructure. Comparable in providing white-label and API-first financial infrastructure to banks, fintechs, and enterprises across South America.

Regional players

• Ualá: Ualá is an Argentine-founded neobank operating across Argentina, Mexico, and Colombia, offering consumer wallets, cards, and merchant payment products. Operates in the same Argentine core market as GOIAR and increasingly competes for the same SMB and consumer accounts on the demand side.
• Prex: Prex is a Latin American prepaid card and digital wallet provider operating in Argentina, Uruguay, and Chile with an infrastructure layer used by partners. Overlaps with GOIAR's card issuance and wallet infrastructure capabilities within the same Southern Cone geography.

Others

• Naranja X: Naranja X is the digital financial platform of Naranja, an Argentine card company, offering accounts, payments, and consumer credit. Listed as a GOIAR enterprise customer and a useful comparison point for consumer-facing financial circuits in the same Argentine market.

Emerging players

• Comunica / Tropipay: Tropipay is a Spanish-language fintech infrastructure platform offering accounts, cards, and payment rails targeted at Latin American and European markets. Overlap with GOIAR on multi-country LATAM fintech infrastructure serving both enterprises and individuals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 GOIAR