Lite Fintech LLC

What Lite Fintech LLC does

Lite Fintech LLC is a private, API-first fintech infrastructure provider founded in 2018 and headquartered in Coral Gables, Florida, with a regional office in Panama City, Panama. The company builds regulatory, compliance, and technical infrastructure that enables founders to launch licensed fintech operations—particularly remittance, digital wallet, and cross-border payment products—targeting US and Latin American markets. Its core products include Remittance-as-a-Service (RaaS), digital wallet launch services, cross-border payment processing, KYC/AML compliance solutions, and legacy-to-cloud core banking migration, alongside proprietary sub-brands mercaDOLAR (cross-border exchange, 2019) and MeDo (digital wallet, 2020). The technology stack is a cloud-native microservices architecture on AWS with embedded KYC/AML, cryptographic security, 99.9% uptime, and AI-driven automation for compliance monitoring and fraud prevention.

The company operates an enterprise B2B go-to-market model with direct consultation-based engagements, sub-24-hour response times, and a referral channel driven by strategic partners. Customer segments include fintech companies and founders, remittance and cross-border payment companies, MSBs, and traditional financial institutions modernizing legacy systems. Named enterprise customers span Fintec Latam, Global Remit, NextBank, TransferX, SendMoney Co., CorpTrade, Banco Capital, and NeoWallet. Revenue is generated through a mix of professional services (fintech infrastructure development) and recurring subscription (RaaS). The company has 13 employees, no disclosed funding rounds, and no publicly disclosed revenue. Its competitive positioning rests on operator DNA, regulatory expertise in US and LatAm, end-to-end fintech development, and an integration ecosystem that includes UniTeller, Remitee, NMI, Persona, AiPrise, Cybrid, and international banking partners.

Name

Lite Fintech LLC

Legal name

Lite Fintech LLC

Website

https://litefintechus.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Lite Fintech LLC is an API-first fintech infrastructure provider founded in 2018 and based in Coral Gables, Florida, building regulatory, compliance, and technical infrastructure for remittance, digital wallet, and cross-border payment companies operating across the US and Latin America.

Ownership category

akta.pro rank

Product category

Fintech Infrastructure Software

NAICS

Finance and Insurance (52), Computer Systems Design and Related Services (54151)

SIC

Finance Services (6199)

akta.pro primary industry

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

akta.pro secondary industries

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI)

Keywords

• Fintech infrastructure
• Remittance as a service
• Cross-border payments
• Digital wallet platform
• Core banking migration

Headquarters

HQ city

Coral Gables

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Fintech Infrastructure Development Services: End-to-end fintech development services including regulatory strategy, compliance infrastructure, payment infrastructure, and product development. Services are delivered through consultation and project-based engagements.
2. RaaS (Remittance-as-a-Service): Remittance infrastructure platform provided as a service to partners enabling cross-border payment processing.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Lite Fintech LLC provides API-first fintech infrastructure and regulatory enablement services that allow founders and companies to build licensed fintech operations. Its core offerings include Remittance-as-a-Service (RaaS), digital wallet launch, cross-border payment processing, KYC/AML compliance solutions, and legacy-to-cloud core banking migration, all delivered on a cloud-native microservices architecture with embedded compliance.

Product overview

Lite Fintech LLC is an API-first financial infrastructure and RaaS (Remittance-as-a-Service) provider. The company offers a portfolio of services including: core fintech infrastructure design, regulatory strategy and licensing (U.S. and Latin America), compliance infrastructure with integrated KYC/AML workflows, payment processing with banking integrations, and AI-driven fintech operations. The product portfolio includes proprietary sub-products mercaDOLAR (cross-border exchange, 2019) and MeDo (asset management and digital wallets, 2020), alongside modular service offerings for remittance infrastructure, digital wallet launch, cross-border payment processing, compliance solutions, and legacy-to-cloud core banking migration. All offerings are built on a cloud-native, microservices architecture with cryptographic security and 99.9% uptime.

Differentiator

Problem solved

Functional benefit

Brands

• mercaDOLAR: Cross-border exchange platform deployed in 2019 to validate technical capacity in cross-border exchange ecosystems.
• MeDo

Products and services

• Remittance Infrastructure (RaaS) Remittance-as-a-Service platform that enables businesses to launch cross-border money transfer services, featuring institutional-grade elasticity and liquidity management for tenfold increases in transaction volume.
• Digital Wallet Launch End-to-end digital wallet launch service covering product design, infrastructure build-out, and market deployment for fintech companies and founders.
• Cross-Border Payment Processing Payment gateway and banking API integrations for processing cross-border transactions with seamless currency exchange and unified infrastructure reducing intermediaries.
• Compliance Solutions (KYC/AML) Integrated KYC and AML workflows built directly into core infrastructure for automated regulatory compliance targeted at MSB operations.
• Core Banking Migration (Legacy to Cloud) Cloud-native infrastructure migration for legacy banking systems using microservices architecture, enabling zero-downtime deployment and modular modernization without operational disruption.
• mercaDOLAR Cross-border exchange ecosystem product designed, architected, and deployed in 2019 to validate technical capabilities in international currency exchange.
• MeDo Asset management and digital wallet solution launched in 2020, expanding the company's fintech product offerings for end customers.

Quantifiable outcome

• Digital wallet market entry reduced from 12+ months to under 10 weeks
• +2 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• International Banking PartnerscoreStrategic or Co-development Partner · 1 January 2021Strategic alliances with international banks enabling a robust infrastructure network for the processing of massive payments on a global scale. Established in 2021.
• MiPapayacoreStrategic or Co-development PartnerA platform focused on optimizing financial and transactional services. It facilitates capital flow with agile and secure integrations. MiPapaya is a related brand under the Lite Fintech ecosystem.
• AiPrisecoreTechnology or IntegrationAn advanced system that automates identity verification globally. It simplifies regulatory compliance by unifying multiple providers into a single API.
• NMIcoreTechnology or IntegrationHigh-performance payment processing infrastructure. Enables scalable and secure transactions for e-commerce and physical terminals.
• Orbit StudiominorStrategic or Co-development PartnerA digital ecosystem designed to facilitate the movement of capital. It connects users and businesses in the region with the financial system in US dollars.
• PersonacoreTechnology or IntegrationLeading solution for biometric validation, KYC, and fraud prevention. Ensures secure user onboarding that complies with international regulations.
• RemiteecoreStrategic or Co-development PartnerA platform specializing in cross-border money transfers. It connects businesses and families, guaranteeing fast settlements across multiple corridors.
• UniTellercoreStrategic or Co-development PartnerOne of the most robust and established remittance processors globally. It offers an extensive network for cross-border payments with full regulatory compliance.

Scale indicators3 records

Recent moves11 records

Expansion highlights5 records

Direct peers

• Thunes: Cross-border payments network connecting fintechs, banks, and mobile wallet operators across emerging markets including Latin America. Comparable on real-time remittance infrastructure and emerging-market corridor coverage.
• Nium: Cross-border payments and BaaS platform offering real-time payouts, remittance rails, and card issuing. Highly comparable because both companies monetize cross-border money movement and remittance-as-a-service for fintech clients.
• Currencycloud: Cross-border payments-as-a-service platform (now part of Visa) offering FX, multi-currency accounts, and payment orchestration to fintechs. Directly comparable API-first cross-border infrastructure for licensed fintechs.
• Airwallex: Cross-border payments and financial infrastructure platform serving businesses with multi-currency accounts, FX, and payment APIs. Comparable target customer (fintech operators and SMBs) and product overlap in remittance and embedded wallets.
• Rapyd: Global BaaS platform offering payment processing, wallets, and cross-border payouts to fintechs and enterprises. Directly comparable as an API-first infrastructure provider selling embedded financial services to fintech founders.

Emerging players

• Uniteller: Established cross-border remittance processor with wide global coverage. Comparable as a partner and indirect competitor given Lite Fintech's existing partnership with Uniteller and shared remittance corridor focus.
• Plaid: Open banking and account connectivity API used by fintechs to onboard users and aggregate financial data. Adjacent peer given both sell developer-first infrastructure that fintechs consume to accelerate compliance and onboarding.
• Verto: B2B cross-border payments platform targeting emerging markets, including Africa and Latin America. Comparable on cross-border B2B payment infrastructure and emerging-market fintech enablement.

Broad incumbents

• Banking Circle: Liquidity and clearing infrastructure for the payments industry, including cross-border and B2B payments. Comparable on cross-border infrastructure and banking-license-backed compliance, but operates at a much larger institutional scale.
• Marqeta: Modern card issuing and payment processing platform serving fintechs and digital wallets. Comparable on serving wallet and digital payment launches with API-first infrastructure, though focused on card rather than remittance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lite-fintech-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

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 Lite Fintech LLC