Poincenot Technology Studio
Poincenot Technology Studio is an Argentina-based fintech technology studio that builds modular, white-label Banking as a Service, Investment, Lending, Crypto, and RegTech platforms delivered via APIs to banks, fintechs, and enterprises across Latin America.
- Company typePrivate
- Founded2014
- HeadquartersCasa Bamba, Argentina
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Poincenot Technology Studio does
Poincenot Technology Studio is an Argentina-based fintech technology studio founded in 2014 that designs, builds, and operates modular white-label financial infrastructure for banks, fintechs, and enterprises. Its platform spans Banking as a Service, Investment Engines with APIs and a multi-currency interest-bearing account, Embedded Lending with a credit portfolio ecosystem, Crypto as a Service (Checkout and Card), and a cloud-native RegTech platform covering PLD, KYC, automated transaction monitoring, and the trak.e fraud module. The technology is delivered via decoupled, API-first architecture that allows channels, services, data, security, and business logic to operate independently while remaining connected, supporting white-label web and app deployments for clients.
The company runs an enterprise field-sales motion combined with API-first distribution, selling licensing and white-label deployments alongside professional services for business design, regulation, UX, and implementation. Notable client engagements include co-designing an investment product with Mercado Pago and BIND that serves 35M+ investors in Argentina and was exported to Chile with BICE, a digital lending and channels transformation with Banco Macro (reported 22x loan volume growth and 75 NPS), digital transformation for Nuevo Banco del Chaco (2x digital user base growth), and digital investment platforms for Banco Nación and Schroders Argentina. Crypto payment deployments with ATC Redenlace, Red Enlace, and Mercantil Santa Cruz mark the firm's entry into Bolivia. Operations span Argentina, Chile, Mexico, Spain, Uruguay, and Bolivia, with claimed scale of 10M+ daily transactions, 100B+ annual transactions, and 99.99%+ SLA, and the company is co-led by founders Facundo Vázquez and CEO Augusto Fernandez Villa.
Poincenot Technology Studio firmographics
Firmographics- Name
- Poincenot Technology Studio
- Legal name
- Poincenot
- Website
- https://poincenot.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Poincenot Technology Studio is an Argentina-based fintech technology studio that builds modular, white-label Banking as a Service, Investment, Lending, Crypto, and RegTech platforms delivered via APIs to banks, fintechs, and enterprises across Latin America.
- Ownership category
- akta.pro rank
Poincenot Technology Studio industry classification
Industry- Product category
- Banking-as-a-Service Infrastructure
- NAICS
- Software Publishers (5132), Computer Systems Design and Related Services (54151)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
- akta.pro secondary industries
- Regulatory Reporting & Compliance Automation (FinCEN/CTR/SAR, EMIR/MiFID, etc.) (FSAGAFAG), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), International / Cross-Border BNPL & Multi-Currency POS Financing (FSAGAIAN)
Keywords
Where Poincenot Technology Studio is headquartered
LocationHeadquarters
- HQ city
- Casa Bamba
- HQ country
- Argentina
- HQ region
- Latin America
Offices1 record
Markets served
Poincenot Technology Studio business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Technology Licensing & White-Label Solutions: Modular financial technology platforms licensed to banks, fintechs, and enterprises for branded deployment. Revenue generated through licensing agreements for Banking as a Service, Investment platforms, Lending infrastructure, Crypto services, and RegTech solutions.
- Professional Services & Consulting: Business design, strategy consulting, and implementation services for digital financial transformation. Includes product design, UX/UI, regulatory compliance setup, and go-to-market execution.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Poincenot Technology Studio product offering
Product offeringCore offering
Poincenot Technology Studio designs and operates a modular, white-label fintech platform delivered through financial APIs covering Banking as a Service, Investments, embedded Lending, Crypto payments, and RegTech/Compliance (PLD, KYC, fraud prevention). The company licenses this technology to banks, fintechs, and enterprises across Latin America, providing accompanying business design, implementation, and 24x7 operational support. Its solutions enable clients to launch and scale digital financial products rapidly without building proprietary infrastructure.
Product overview
Poincenot Technology Studio operates as a modular fintech platform with multiple integrated products: Banking as a Service (BaaS) serves as the core infrastructure enabling banks, enterprises and communities to scale digital financial services. The platform includes Motores de Inversión (Investment Engines) with APIs de Inversiones and Cuenta Remunerada Multimoneda for investment distribution; Lending (Préstamos Embebidos) with Ecosistema de Créditos for credit orchestration; Crypto as a Service featuring Crypto Checkout and Crypto Card for blockchain/Web3 payments; and a comprehensive Plataforma RegTech with trak.e fraud module, PLD Legajo Digital, and KYC for compliance. Business Design and Community Fintech provide strategic consulting and ecosystem integration. All products share modular architecture, API-first design, and white-label technology for digital channels (web and app), connected through decoupled architecture.
Differentiator
Problem solved
Functional benefit
Products and services
- Banking as a Service (BaaS) Comprehensive banking infrastructure platform that enables banks, enterprises, and communities to scale digital financial services through high-performance financial APIs and modular technology. Includes omnichannel experience (Do.it), 2FA login, account management, transfers, payments, loans, and investments.
- Motores de Inversión (Investment Engines) Investment infrastructure providing integral business and technological architecture for real-time investment account opening, asset purchase/sale, portfolio management with automatic rebalancing, real-time yields, and integration with Capital Markets and crypto exchanges. Configurable business rules, conversion-focused UX, and resilient architecture for critical operation assurance.
- Lending (Préstamos Embebidos) Specialized credit business orchestration and scaling service for digital credit in proprietary or third-party ecosystems, integrating technology, product, UX, and strategy. Achieved 22x loan volume growth for Banco Macro with consistent 75 NPS across lending channels. Includes Ecosistema de Créditos for portfolio purchase, sale, and management.
- Crypto as a Service Blockchain and Web3 infrastructure for the future financial system, enabling crypto payments, cross-border transactions, and programmable value transfer ecosystems. Includes Crypto Checkout for merchants and Crypto Card for crypto balance purchases locally and abroad.
- Plataforma RegTech (Compliance) Cloud-native modular RegTech platform that streamlines AML (PLD) and KYC processes with automated transaction monitoring and end-to-end customer visibility through digital client files. Includes trak.e fraud module, PLD Legajo Digital, and automated KYC rules.
- Business Design Business and financial innovation consulting combining advisory, design, creativity, experience, and technology to execute complex financial business projects. Includes Community Fintech service integrating and articulating financial services within communities, and Base Camp strategic methodology for planning and executing financial innovation projects.
Quantifiable outcome
- 35M+ investors served through Mercado Pago/BIND partnership
- +5 more outcomes
Companies that use Poincenot Technology Studio
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
Poincenot Technology Studio technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature6 records
Poincenot Technology Studio partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- Mercado PagocoreStrategic technology partnership for investment and lending infrastructure. Poincenot co-designed Mercado Pago and BIND investment product serving 35M+ investors in Argentina, representing one of the largest financial inclusion projects. Model was exported to Chile with BICE.
- BIND InversionescoreCollaboration on one of Argentina's largest financial inclusion products. Poincenot provides RegTech and compliance strategy design and implementation for BIND.
- Banco MacrocoreLong-term partnership for digital lending solutions and digital channels transformation. Achieved 22x loan volume growth and 75 NPS across channels.
- Nuevo Banco del Chaco (NBCH)coreStrategic technology partnership for digital transformation. Delivered 2x digital user base growth, digital channel implementation, and branch reconversion.
- Schroders ArgentinacorePartnership for integrated local and global investment solutions with international standards and digital experience, adapted to customer engagement preferences.
- Banco NacióncoreDigital investment platform deployment and banking infrastructure development.
- BICEcoreInvestment platform deployment in Chile following the Argentina model export from Mercado Pago/BIND partnership.
- ATC RedenlacecoreCrypto payment acceptance implementation for merchant network in Bolivia, marking a first in the Bolivian fintech ecosystem for crypto commerce solutions.
- Red EnlacecoreCrypto checkout implementation enabling merchants to receive cryptocurrency payments with efficient accreditation and favorable exchange rates in local currency and stablecoins.
- Mercantil Santa Cruz (Bolivia)coreCrypto payment solutions deployment for commerce network in Bolivia.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
Poincenot Technology Studio competitors and assessment
Company assessmentDirect peers
- dLocal: dLocal is a LatAm-focused cross-border payment infrastructure provider enabling global merchants to accept local payment methods. It is comparable to Poincenot's multi-currency account and cross-border crypto capabilities, particularly for enterprise and merchant acceptance use cases.
- Mambu: Mambu is a global cloud-native core banking and BaaS platform serving banks, fintechs, and lenders with composable APIs. It is the closest functional peer to Poincenot's modular Banking-as-a-Service offering, differing primarily in geographic focus (global vs LatAm-centric) and scale of capital raised.
- Belvo: Belvo is a LatAm open finance API platform enabling financial data aggregation and payment initiation for fintechs, banks, and lenders. It overlaps with Poincenot's lending and compliance APIs and targets the same enterprise customer base across Latin America.
- Galileo Financial Technologies: Galileo (a SoFi company) is a payment processing and account infrastructure platform offering APIs for card issuing, digital banking, and fraud. It is a direct competitor to Poincenot's banking APIs, omnichannel experience, and trak.e-style fraud module for financial institutions.
- Thought Machine: Thought Machine provides cloud-native core banking technology (Vault) used by global banks to run account, lending, and deposit products. It competes with Poincenot's BaaS and lending modules for tier-1 bank modernization mandates, including in emerging markets.
- Solaris SE: Solaris is a European banking-as-a-service platform offering modular banking, lending, payments, and crypto APIs to fintechs and enterprises. It is highly comparable to Poincenot's modular fintech stack, particularly the API-first distribution model and embedded compliance.
- Pomelo: Pomelo is a LatAm-focused fintech-as-a-service platform providing banking, card issuing, and account infrastructure via APIs to banks, fintechs, and enterprises across Latin America. It directly competes with Poincenot in the same regional BaaS niche with a similar target customer profile.
- 10x Banking: 10x Banking provides a cloud-native core banking platform used by challenger and incumbent banks for account, lending, and onboarding services. It competes with Poincenot's BaaS and omnichannel banking modules in the bank-modernization segment.
Broad incumbents
- Marqeta: Marqeta is a global card-issuing and payment processing platform serving fintechs and enterprises via APIs. While broader in scope (card issuing vs full BaaS), it competes with parts of Poincenot's banking and crypto card offerings and targets similar enterprise buyers.
Emerging players
- Pismo: Pismo provides cloud-native banking, payments, and card issuing APIs to financial institutions globally (now owned by Mastercard). It overlaps with Poincenot's BaaS and omnichannel banking modules and is increasingly active in LatAm through Mastercard's distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Poincenot Technology Studio social profiles
Digital presencePoincenot Technology Studio financial estimates
Financial estimateRevenue estimate
Valuation estimate
Poincenot Technology Studio leadership team
Management profileNumber of profiles
Profiles2 records
Poincenot Technology Studio funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Poincenot Technology Studio M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Poincenot Technology Studio
What does Poincenot Technology Studio do?
Poincenot Technology Studio designs and operates a modular, white-label fintech platform delivered through financial APIs covering Banking as a Service, Investments, embedded Lending, Crypto payments, and RegTech/Compliance (PLD, KYC, fraud prevention). The company licenses this technology to banks, fintechs, and enterprises across Latin America, providing accompanying business design, implementation, and 24x7 operational support. Its solutions enable clients to launch and scale digital financial products rapidly without building proprietary infrastructure.
Is Poincenot Technology Studio a public or private company?
Poincenot Technology Studio is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Poincenot Technology Studio founded?
Poincenot Technology Studio was founded in 2014. It employs 51 to 100 people.
Where is Poincenot Technology Studio based?
Poincenot Technology Studio is headquartered in Casa Bamba, Argentina, in the Latin America region.
How does Poincenot Technology Studio make money?
Two revenue lines are on record. Technology Licensing & White-Label Solutions are the primary driver. The others are professional Services & Consulting.
Who are Poincenot Technology Studio's main competitors?
Direct peers on record are dLocal, Mambu, Belvo, Galileo Financial Technologies, Thought Machine, Solaris SE, Pomelo and 10x Banking. Marqeta is listed as a broad incumbent. Pismo is listed as an emerging player.
Does Poincenot Technology Studio have an API?
Yes. APIs de Inversiones enabling account opening, asset purchase/sale, portfolios, automatic rebalancing, real-time yields, and reporting. The platform also offers APIs for Banking (APIs bancarias), Lending (Préstamos embebidos, originación digital), Crypto (Checkout, cross-border), and RegTech/Fraude (Integración vía APIs, 100% apificada). These financial APIs enable digital financial services integration, transaction processing, and compliance monitoring.
What industry is Poincenot Technology Studio in?
Poincenot Technology Studio's product category is Banking-as-a-Service Infrastructure. Its primary akta.pro industry code is FSAGABAK, Cross-Border FX, Multi-Currency & Treasury for Payments, with a secondary code of FSAGAFAG, Regulatory Reporting & Compliance Automation (FinCEN/CTR/SAR, EMIR/MiFID, etc.). Its NAICS code is 5132 and its SIC code is 7372.