Linka

What Linka does

Linka is a Peru-incorporated fintech (Compañia de Activos Digitales S.A.C, headquartered in Lima) that operates a stablecoin-based payment and settlement infrastructure targeted at cross-border B2B payments and trade finance across Latin America. Founded around 2020 and operating with roughly 25 employees, the company offers a platform-plus-modules architecture comprising a multi-chain stablecoin wallet, an institutional OTC desk, a unified REST API, an on/off ramp and Payments product, a white-label "Crypto as a Service (B2B)" offering, a Squads smart-treasury module, and core infrastructure (qualified MPC custody, smart routing, KYC/AML workflows).

The platform settles using USDC and USDT on Polygon, Stellar, Ethereum, and Solana, claiming sub-2.4-second settlement versus 1–5 day SWIFT timing, and serves ten named markets (Mexico, Chile, Colombia, Peru, Argentina, Bolivia, Honduras, Panama, El Salvador, and the USA). Revenue is generated through transaction fees (including an institutional OTC desk for trades over $50,000), subscription/enterprise API contracts, and white-label embedded-finance arrangements. Go-to-market combines API-first product-led growth for developers (sandbox access, SDKs in Node.js, Python, and Go, sub-5-minute onboarding), enterprise field sales for large-volume clients (via WhatsApp and a dedicated sales inbox), and white-label distribution for fintech partners embedding stablecoin wallets under their own brand. Linka claims 250K–1M users impacted and $100M+ in processed volume, with publicly named reference customers Bridge (cross-border orchestration) and Universal Soft/Aciertala (local-currency processing). The company has raised approximately $850K in disclosed funding across a 2021 pre-seed and a 2024 Tether-led strategic round.

Name

Linka

Legal name

Compañia de Activos Digitales S.A.C

Website

https://linka.xyz

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Linka is a Peru-based stablecoin payment infrastructure provider enabling cross-border B2B payments, on/off ramps, OTC trading, and white-label crypto services across 8+ Latin American countries, serving corporates, fintechs, and developers via a unified API.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

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

akta.pro primary industry

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

akta.pro secondary industries

Cross-Border & FX Payments Platforms (BPAMAFAK), On/Off-Ramps & Fiat Liquidity Providers for Stablecoins (FSADADAG), Cross-Chain Bridging & Interoperability for Stablecoins (FSADADAH), Cross-Border Payment Orchestration & Routing (FSAGAKAJ)

Keywords

• Cross-border payments
• Stablecoin infrastructure
• B2B payment rails
• LATAM fintech
• Digital asset custody

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees: Charges applied to all purchase and sale transactions within the platform, both fiat-to-crypto and crypto-to-fiat conversions. Fees are charged at time of transaction. Network fees for cryptocurrency withdrawals also apply.
2. API/Platform Services: Revenue from API access, SDK licensing, and platform infrastructure services for businesses integrating Linka's payment capabilities. Enterprise tier with dedicated support and volume-based pricing.
3. Institutional OTC: Specialized over-the-counter desk for large-volume transactions exceeding $50,000 USD with personalized support, deeper liquidity, and specialized settlement options.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Linka provides stablecoin-based payment infrastructure for Latin America, enabling on/off ramps, cross-border payments, multi-chain wallets, and OTC trading for businesses. The company offers a unified REST API along with white-label solutions that allow fintechs and enterprises to integrate stablecoin flows, fiat ramps, and compliance tooling across 8+ LatAm countries. Core infrastructure includes MPC custody, smart routing, and automated KYC/AML workflows.

Product overview

Linka is a platform-plus-modules architecture providing stablecoin and payment infrastructure for Latin America. The core offering consists of Wallet (multi-chain stablecoin wallets), OTC (institutional over-the-counter trading), API (REST payment integration), Payments (on/off ramps and cross-border transfers), and Crypto as a Service (white-label B2B infrastructure). Supporting modules include Squads/Smart Treasury (enterprise multisig treasury management) and Infrastructure (qualified custody and smart routing layer). The platform operates across 8+ LatAm countries using Polygon, Stellar, Ethereum, and Solana blockchain networks, enabling real-time settlements under 2 seconds.

Differentiator

Problem solved

Functional benefit

Brands

• Wallet: A stablecoin wallet solution for end users, supporting on/off ramps for buying and selling stablecoins with local currency.
• OTC (Over-The-Counter)
• Linka API
• Payments
• Crypto as a Service (B2B)
• Squads
• Infrastructure

Products and services

• Wallet Multi-chain stablecoin wallet with native on/off ramps for LatAm markets, supporting Polygon, Stellar, and Ethereum networks, designed for end users and businesses managing digital assets.
• OTC (Over-The-Counter) Institutional OTC desk for high-volume transactions exceeding $50,000 USD with personalized support, deeper liquidity, and specialized settlement options.
• Linka API RESTful payment API enabling stablecoin flows, on-ramp, off-ramp, and cross-border payment functionality with official SDKs for Node.js, Python, and Go.
• Payments On/Off ramp and international payment services enabling buy/sell of stablecoins with local currency and global cross-border transfers between LatAm and the USA.
• Crypto as a Service (B2B) White-label infrastructure solution for institutions and financial platforms to offer crypto services, including MPC custody, fiat ramps, and customizable SDK integration.
• Squads (Smart Treasury) Enterprise treasury management with multisig security, granular spending limits, policy engine, and audit logs for organizational asset management.
• Infrastructure Enterprise-grade digital asset infrastructure providing smart routing, qualified custody with MPC technology and insurance, and global KYC/AML compliance.

Quantifiable outcome

• Reduces cross-border payment costs by up to 80% compared to SWIFT correspondent banking
• +3 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• BridgecoreTechnology or IntegrationBridge uses Linka's liquidity engines to settle cross-border transactions instantly, providing institutional-grade infrastructure for global money movement with < 2s settlement time.
• Universal Soft - AciertalacoreTechnology or IntegrationUniversal Soft - Aciertala leverages Linka's payment infrastructure to deliver comprehensive software solutions and local currency processing across Latin America with 100% local fulfillment.

Scale indicators10 records

Recent moves8 records

Expansion highlights6 records

Others

• Circle: USDC issuer and provider of cross-border payment APIs. While not a direct competitor on local ramps, Circle is the infrastructure provider above Linka in the stack and could disintermediate Linka by offering direct LatAm corridors.
• Stellar Development Foundation: Operator of the Stellar blockchain network, which Linka uses as a settlement network. Indirect ecosystem participant — both cooperate on corridor expansion, but Stellar could in theory compete by offering higher-level payment services natively.

Broad incumbents

• dLocal: Uruguay-headquartered cross-border payments processor covering LatAm and other emerging markets. While dLocal is fiat-focused and broader, it competes for the same enterprise cross-border B2B payment wallet and increasingly touches stablecoin rails.
• EBANX: Brazil-based cross-border payments processor serving global merchants entering LatAm. Comparable enterprise target customers and corridors; broader scope but adjacent threat as it expands into stablecoin/crypto settlement.
• Mercado Bitcoin: Brazil's largest crypto exchange, part of the 2TM group, expanding into B2B crypto services including cross-border settlement. Comparable in scale and ambition in the largest LatAm crypto market.

Direct peers

• Ripio: Argentina-based crypto fintech offering wallets, exchanges, and B2B crypto payment infrastructure across LatAm. Comparable in product surface (wallet, OTC, payments) and customer base in the Southern Cone.
• Yellow Card: Pan-African stablecoin and crypto payments platform with similar emerging-market B2B settlement thesis, now expanding into LatAm (listed as a Linka partner logo). Closely comparable business model and customer profile.
• Bitso: Mexico-headquartered crypto exchange and stablecoin payments platform operating across LatAm. Directly comparable: offers USDT/USDC ramps, B2B cross-border payments, and serves many of the same corridors (MXN, ARS, BRL) as Linka.
• Bridge (now part of Stripe): USDC-native cross-border payments orchestration platform and a named Linka customer. Both companies provide fiat-to-stablecoin ramps and API-based orchestration for B2B payments — Bridge is a partner/competitor at the same layer.
• BitPay: US-based crypto payment processor offering merchant and B2B stablecoin payment APIs. Similar API-first stablecoin settlement positioning, though with global rather than LatAm-specific focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/LinkaFinance
• GitHubgithub.com/linka
• LinkedInlinkedin.com/company/linka-finance

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors3 records

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 Linka