Remesas 365 S.a.c.

What Remesas 365 S.a.c. does

RGlobal 365, operated by RGLOBAL R365 SPA (Chile), is a digital remittance and international payments platform targeting the Latin American diaspora and adjacent corridors. The company offers two products on a shared automated infrastructure: (1) Billetera R365, a consumer digital wallet available as a web application and native iOS/Android apps under which individuals ('personas') can register, complete KYC, fund via local bank transfers, credit/debit cards, PIX, and electronic wallets, and send instant international transfers to countries including Colombia, Peru, USA, UK, Venezuela, Mexico, and Panama; and (2) the RGlobal 365 Enterprise API, a B2B integration layer enabling corporate clients to embed cross-border payment and remittance capabilities into their own systems. The platform is registered and supervised by Chile's Unidad de Análisis Financiero (UAF) for AML/CFT compliance and has published a 2024 Prevention Manual and a Law 20.393 Crime Prevention Model. The technology stack relies on third-party providers for core capabilities — MetaMap for KYC, AWS for cloud infrastructure, and a network of payment partners (Payku, ProntoPaga, VitaWallet, Kashio, PayCash, TeleIngreso, Bitolo, Kandui) for funding and disbursement rails. The company is also a member of FinteChile and adheres to the Cámara de Comercio de Santiago's E-Commerce Code of Good Practices.

RGlobal 365 monetizes entirely on a transactional basis: per-transfer commissions and FX spreads on international remittances, with additional fees from accessory services such as utility bill payments, mobile recharges, and satellite TV operator payments. The company explicitly discloses no subscription, membership, or maintenance fees, and commissions are presented to users before transaction confirmation. Marketing is digital-first — Facebook, Instagram, WhatsApp support, and app-store optimization — with no physical retail presence. Customer support and sales are routed through WhatsApp and email channels.

The publicly available footprint signals an early-stage operation. The company is private, discloses no funding rounds, headcount, or revenue. Its website prominently displays placeholder counters ('0 K+ registros', '0 K+ visitantes', '0 descargas', '0 países') suggesting either a recently launched platform or unfilled metric widgets. Luis Quintana is identified as the data-protection officer; no other leadership is disclosed. While the regulatory, partner, and corridor breadth indicates credible execution against an ambitious roadmap, there is no disclosed evidence yet of meaningful transaction volume, customer adoption, or revenue scale.

Name

Remesas 365 S.a.c.

Legal name

RGLOBAL R365 SPA

Website

https://rglobal365.com

Company type

Private

Operating status

Operating

Short description

RGlobal 365 is a Chile-based digital remittance and international payments platform, operating consumer wallet apps and a B2B API to serve Latin American diaspora senders and corporate clients across eight country corridors.

Ownership category

akta.pro rank

Product category

Digital Remittance and Cross-Border Payments

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Consumer P2P International Remittances (FSAGAKAA)

akta.pro secondary industries

Consumer Remittances (P2P) (FSAMAIAA), Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD)

Keywords

• Digital remittance services
• International money transfers
• Cross-border payments
• Digital wallet platform
• Fintech remittance

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Transaction/Transfer Fees: Commissions charged per transaction for international money transfers and remittances. Fees are disclosed to users before transaction completion and debited at the time of transaction. No membership, maintenance, or usage fees charged to customers.
2. Foreign Exchange Spread: Revenue generated from the spread between buy and sell exchange rates for currency conversion in international transfers. Rates may vary based on market conditions.
3. Accessory Services: Additional fees for services such as utility bill payments, mobile phone recharges, and satellite TV operator payments made through the platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Remesas 365 S.a.c. (commercial brand RGlobal 365) operates a digital remittance and digital-wallet platform that lets individuals and businesses send and receive international money transfers instantly, 24 hours a day, 7 days a week. The consumer product (Billetera R365) is a mobile and web wallet used to remit funds to multiple Latin American and global destinations, pay utility bills, and recharge mobile phones. The business product (RGlobal 365 Enterprise API) lets corporate clients integrate cross-border payment and remittance capabilities into their own systems via an API, supporting local bank transfers, credit/debit cards, PIX, and electronic wallets as funding methods.

Product overview

RGlobal 365 operates as a digital remittance and international payments platform under the legal entity RGLOBAL R365 SPA (Chile). The portfolio consists of two primary offerings: (1) the Billetera R365 digital wallet — a consumer-facing mobile app and web platform for individuals to send remittances, make international transfers, pay services, and recharge mobile phones; and (2) the RGlobal 365 Enterprise API — a B2B integration layer allowing corporate clients to embed the platform's payment and remittance capabilities into their own systems. Both products share the same underlying automated platform infrastructure, enabling instant transfers 24/7, and are available in parallel to individual and enterprise market segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Billetera R365 (RGlobal 365 Digital Wallet) Consumer-facing digital wallet available on iOS, Android, and web that lets individuals send international remittances to multiple destinations (including Colombia, Peru, the United States, the United Kingdom, Venezuela, Mexico, Panama, and Brazil), pay utility bills, and recharge mobile phones, with funding via bank transfer, credit/debit cards, PIX, and electronic wallets and transfers processed instantly 24/7.
• RGlobal 365 Enterprise API B2B API platform enabling enterprise clients to integrate RGlobal 365's international payment and remittance capabilities into their own systems, supporting receiving and sending payments in multiple currencies to banks worldwide using familiar funding methods including local bank transfers, credit cards, internet banking, PIX, and electronic wallets.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Three partnerships are on record, tiered minor.

• TeleIngresominorChannel Partner/ Reseller/ DistributorCash deposit channel partner allowing users to add funds to their digital wallets through physical cash deposits.
• Cámara de Comercio de Santiago (CCS)minorOthersSantiago Chamber of Commerce membership. RGlobal 365 adheres to the E-commerce Code of Good Practices published by CCS.
• FinteChileminorOthersMember of FinteChile, the Chilean fintech association, indicating industry recognition and regulatory compliance.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• WorldRemit: Digital remittance fintech serving multiple emerging-market corridors with mobile-app and web channels; comparable product and target-customer model to RGlobal 365's Billetera R365.
• Global66: Chile-based fintech focused on multi-corridor LatAm remittances and FX; the closest direct competitor to RGlobal 365, sharing the same Chile origin and overlapping destinations including Colombia, Peru, Venezuela, Mexico and others.
• Ualá: Argentina-rooted LatAm neobank offering cross-border payments and remittances to multiple LatAm corridors; increasingly relevant comparable as LatAm-native digital money-movement players.
• Paysend: UK-based card-based cross-border money transfer platform with global corridor coverage and a developer-friendly API layer; directly comparable to RGlobal 365 on the consumer app plus enterprise API composition.
• Remitly: Largest US-listed digital P2P remittance player with deep LatAm corridor presence; competes head-on with RGlobal 365 on Chile→LatAm corridors via consumer mobile/web apps.
• TransferGo: European-headquartered digital remittance platform offering consumer transfers plus B2B payments; competes on similar product surface, instant settlement messaging and emerging-market corridors.
• Wise (formerly TransferWise): UK-headquartered cross-border payments platform serving individuals and businesses; directly comparable on transparent fee/FX model and enterprise API for international payments.

Broad incumbents

• MoneyGram: Global incumbent with deep LatAm penetration, especially in cash-pickup; the digital/app channels overlap with RGlobal 365's self-serve model across the same corridors.
• Western Union: Largest incumbent global remittance operator with extensive agent network in LatAm; competes against RGlobal 365 in the same corridors but offers physical cash pickup and a broader portfolio of services.
• Xoom (PayPal): PayPal-owned digital remittance service targeting LatAm corridors with instant bank-deposit and mobile-wallet payouts; competes on the same Chile→LatAm corridors and is a global fintech parented by a stronger platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php?id=61565497688773
• Instagraminstagram.com/rglobal.365?igsh=MXBhYzRrMndzNDFzMw%3D%3D&utm_source=qr

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 Remesas 365 S.a.c.