FIXA

What FIXA does

FIXA (legal name Fixa Soluciones Financieras) is an Argentine privately-held vertical SaaS company founded in 2007 and headquartered in Rosario, Argentina, that develops financial software exclusively for mutuales — non-profit cooperative financial institutions regulated by Argentina's UIF, INAES, AFIP/ARCA, and BCRA. Its product suite is composed of three integrated applications: Mutual Core, a comprehensive management system with 19 modules covering member management, loans, savings accounts, credit cards, fixed-term deposits, accounting, multi-currency operations, and regulatory reporting; Mutual Home, a multiplatform home banking application providing 24/7 affiliate self-service; and Mutual Audit, a compliance automation platform launched in May 2026 that verifies member registries against RePET, UN, OFAC, PEP (via OpenSanctions), and ARCA databases with auditable traceability and PDF reports ready for regulatory submission.

The platform architecture uses a modular, interconnected design: a local synchronizer detects CSV files emitted by the management system and pushes them to Mutual Audit, with API access available for custom integrations. Pricing is quote-based and tiered by active member count, ranging from an Esencial plan (up to 10,000 members) through Custom (over 100,000 members), and the company sells exclusively through direct sales via its website and email, supported by content marketing that analyzes Argentine regulatory changes. The company has 23 employees, serves 20+ mutuales in production, and reports 15+ years of exclusive specialization in the mutual sector, with no disclosed funding rounds, parent company, or institutional investors.

Name

FIXA

Legal name

Fixa Soluciones Financieras

Website

https://fixa.com.ar

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

FIXA is a Rosario, Argentina-based vertical SaaS company that builds financial software exclusively for Argentine mutuales, offering a management system (Mutual Core), home banking (Mutual Home), and a compliance automation platform (Mutual Audit) for UIF and INAES regulatory screening.

Ownership category

akta.pro rank

Product category

Regulatory Compliance Software for Cooperative Financial Institutions

NAICS

Computer Systems Design and Related Services (5415), Custom Computer Programming Services (541511), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Prepackaged Software (7372), Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

Best Execution & TCA Compliance (FSAFAOAL)

Keywords

• Regulatory compliance software
• Mutual management software
• Home banking platform
• AML verification software
• Cooperative financial software

Headquarters

HQ city

Rosario

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Mutual Audit Subscription: Annual subscription model for Mutual Audit compliance platform. Composed of a base plan tiered by number of active members, plus separately contracted modules. Modules available: RePET, United Nations, OFAC, PEP, ARCA, and Validations. Execution can be scheduled daily, weekly, monthly, quarterly, semi-annually, or annually.
2. Mutual Core Software License: Core management system with 19 integrated modules covering all mutual operations including member management, financial products, accounting, and regulatory compliance. Revenue generated through software licensing, likely on annual subscription basis given the industry context.
3. Mutual Home Subscription: Home banking platform subscription for mutuales providing digital banking services to their affiliates. Multiplatform access with administrative controls for the mutual.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

FIXA develops and sells an integrated software suite exclusively for Argentine mutuales (cooperative financial institutions), consisting of three products: Mutual Core (comprehensive management system with 19 modules), Mutual Home (multiplatform home banking application), and Mutual Audit (regulatory compliance automation platform with six verification modules). The suite automates compliance with UIF and INAES regulations, provides member self-service banking, and manages all mutual operations from a single control point.

Product overview

FIXA offers a suite of three integrated financial software products designed exclusively for Argentine mutuals: Mutual Core (comprehensive management system with 19 integrated modules), Mutual Home (digital home banking for members), and Mutual Audit (regulatory compliance automation with six independent verification modules). The products are designed to work together as an integrated ecosystem while also supporting standalone deployment. Mutual Core serves as the central management platform handling day-to-day operations, member management, accounting, and financial products, which integrates with Mutual Home for member self-service banking and Mutual Audit for automated regulatory compliance verification. Mutual Audit operates as a modular subscription service where mutuals select and pay for only the verification modules they require.

Differentiator

Problem solved

Functional benefit

Brands

• Mutual Audit: Normative compliance platform that automates verification of associates against RePET, UN, OFAC, PEP and ARCA registries.
• Mutual Home
• Mutual Core

Products and services

• Mutual Audit Compliance automation platform for Argentine mutuals that automatically verifies the entire member registry against RePET, UN, OFAC, PEP, and ARCA records. Provides complete audit traceability and PDF reports ready for regulatory submission to UIF and INAES. Features six independent modules covering sanctions screening, PEP identification, fiscal data validation, and data quality checks.
• Mutual Home Digital home banking application for Argentine mutuals enabling members to check balances, manage savings and loans, and perform operations 24/7 from any device. Features cross-platform access (web and mobile), automatic notifications via SMS, real-time balance and transaction queries, term savings tracking, loan validation, and an administrator panel for service configuration.
• Mutual Core Comprehensive management system for Argentine mutuals covering member management, savings accounts, loans, accounting, cards, and more from a single control point. Includes 19 integrated modules organized across five functional areas: core operations, accounting and finance, financial products, regulatory compliance, and auxiliary services. Supports multi-currency (ARS, USD, EUR) and integrates with Mutual Audit and Mutual Home.

Quantifiable outcome

• 12,480 members processed in real-time verification demonstration
• +1 more outcomes

Named customers20 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability3 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core.

• OpenSanctionscoreTechnology or IntegrationOpenSanctions is the global database used by Fixa's PEP module to identify Politically Exposed Persons. The database covers PEPs from over 100 countries and is a critical data source for compliance screening required by UIF Resolutions 35/2023 and 192/2024.
• UIF (Unidad de Información Financiera)coreTechnology or IntegrationArgentine Financial Information Unit whose systems (RePET - Registro Público de Personas y Entidades vinculadas a actos de Terrorismo, and SRO+ - Sistema de Reporte de Operaciones) are integrated for compliance verification and registration. Fixa's Mutual Audit crosses member data against RePET and helps mutuales register as Obligated Subjects through SRO+.
• Ministerio de Justicia de la Nación ArgentinacoreTechnology or IntegrationMinistry of Justice publishes the RePET (Registro Público de Personas y Entidades vinculadas a actos de Terrorismo y su Financiamiento) which is the primary terrorism-related registry that Mutual Audit cross-references.
• ARCA (ex AFIP)coreTechnology or IntegrationArgentina's Federal Public Revenue Agency (formerly AFIP) whose Padrón de Personas is used by Mutual Audit's ARCA module for monthly validation of member tax data including CUIT, address, economic activity, and tax status.
• United Nations Security CouncilcoreTechnology or IntegrationUN Security Council Consolidated Sanctions Lists (Resolutions 1718 on North Korea and 1737 on Iran regarding nuclear proliferation) are used by Mutual Audit's United Nations module for international sanctions verification.
• OFAC (Office of Foreign Assets Control - US Treasury)coreTechnology or IntegrationUS Treasury's Specially Designated Nationals (SDN) List used by Mutual Audit for international sanctions screening. OFAC compliance is recognized as international best practice for AML/CFT.
• INAES (Instituto Nacional de Asociativismo y Economía Social)coreTechnology or IntegrationNational Institute for Cooperativism and Social Economy that regulates Argentine cooperatives and mutuales. Fixa integrates with INAES systems for compliance reporting including the new Integrated Member Registry System per Resolution 756/2025.
• BCRA (Banco Central de la República Argentina)coreTechnology or IntegrationCentral Bank of Argentina whose regulatory requirements are integrated into Mutual Core for transparency reports, loan and savings line reporting, and provider/invoice management.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Avaloq: Core banking and wealth management software provider for financial institutions. Comparable to Fixa's Mutual Core and Mutual Home as both provide integrated management systems with digital banking, though Avaloq focuses on private banks and larger institutions in Europe and Asia.
• Temenos: Global core banking and regulatory software provider. Comparable to Fixa as it offers compliance, core banking, and digital channels to banks and financial institutions, though Temenos is a much larger established vendor serving global Tier 1-3 banks rather than a niche mutual vertical.
• Eastnets: Provider of sanctions screening and payment compliance solutions used by financial institutions globally. Comparable to Fixa's OFAC/UN/PEP modules as both screen against international sanctions lists, though Eastnets operates at a much larger global scale with deeper list coverage.
• Refinitiv (LSEG) World-Check: Global risk intelligence and PEP/sanctions data provider used by AML-compliant institutions. Comparable to Fixa as a data source for PEP and sanctions screening; Fixa's OpenSanctions-based module competes on similar underlying data use cases.

Regional players

• Finvero (formerly Redpro): Latin American financial software provider offering core banking and compliance solutions. Comparable to Fixa as both target regulated financial institutions in the region with management and compliance modules, though Finvero generally serves larger banks and credit unions outside Argentina.

Direct peers

• Bantotal: Core banking platform serving financial institutions across Latin America. Comparable to Fixa as both target regulated financial institutions with integrated management, compliance, and digital banking suites, though Bantotal operates at a much larger scale and across multiple countries.
• Stratto: Argentine software company serving cooperatives and mutuals with management and digital banking solutions. Comparable to Fixa as both target the same Argentine cooperative/mutual vertical with overlapping modules (member management, digital banking, accounting), representing direct competition in the same accounts.
• Datapro: Argentine software provider focused on financial institutions and cooperatives. Comparable to Fixa as both serve the Argentine cooperative/mutual financial vertical with management and compliance software, and represent the most direct head-to-head competition in the niche.

Emerging players

• ComplyAdvantage: Global AI-driven AML and sanctions/PEP screening platform. Comparable to Fixa's Mutual Audit as both provide screening against sanctions lists, PEP databases, and adverse media; ComplyAdvantage is a pure-play software alternative mutuals could consider as a complement or substitute for compliance screening.
• Mambu: Cloud-native core banking platform for fintechs and financial institutions. Comparable to Fixa's Mutual Core as both provide a configurable core banking/management platform, though Mambu serves a broader set of digital-first financial institutions rather than Argentine cooperatives.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Fixa-Soluciones-Financieras-113269483875411
• LinkedInlinkedin.com/company/fixa

Compliance9 records

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 FIXA