Koywe

Koywe is a Latin American international treasury and payments platform founded in 2022, designed to help businesses collect and pay across multiple countries without needing local bank accounts or legal entities. Backed by stablecoin infrastructure and real-time payment rails, Koywe transforms cross-border financial operations that traditionally take 3-5 days into transactions completed in minutes. The company is regulated by Chile's Comisión para el Mercado Financiero (CMF) and is registered as a PSAV (Proveedor de Servicios de Activos Virtuales) in Argentina, making it one of the few fully regulated stablecoin-powered treasury platforms in LATAM. Koywe is part of Mastercard's Crypto Partner Program and Circle's network.

Core Products/Services

Koywe offers a unified international treasury platform with six distinct product lines:

• Digital Dollars (Stablecoins): Buy and sell USDC and USDT using local currencies across Argentina, Bolivia, Brazil, Chile, Colombia, Mexico, and Peru — enabling instant cross-border liquidity without traditional banking delays.
• Ramp: A self-service on/off ramp for companies to convert local fiat currencies (CLP, MXN, ARS, etc.) into digital dollars (USDC/USDT) and back, available 24/7. Supports wire transfers, Khipu, EtPay, SPEI, PSE, Pix, QRi, and other local payment methods by country.
• OTC Desk (Mesa OTC): A high-volume, specialist-assisted over-the-counter desk for large USDC/USDT buy/sell operations requiring dedicated account management, quote-before-execute workflow, and 1:1 specialist support.
• International Payments and Collections: A unified platform for companies, fintechs/PSPs (via API), and merchants to send and receive payments across 8+ LATAM countries plus China and Singapore, using local payment rails.
• Payment Links: Shareable payment links allowing businesses to collect from international clients who pay with local methods, while the merchant receives funds in their preferred currency — ideal for WhatsApp, email, and social commerce.
• QR Checkout (Cobros con QR): A point-of-sale QR collection tool enabling merchants (primarily in Chile and Argentina) to accept payments from international tourists in their home currency (e.g., Pix from Brazilian tourists), with immediate settlement in the merchant's local currency.

Key Strengths

• Stablecoin + Real-Time Payments Infrastructure: Koywe's core infrastructure combines USDC/USDT stablecoins with local real-time payment rails to eliminate traditional SWIFT delays and hidden fees.
• Regulated Compliance: Fully regulated under Chilean CMF (NCG 502) and registered in Argentina's CNV PSAV registry. KYC/KYB verification is built into onboarding for all business clients.
• Multi-Country Coverage: Operates across Argentina, Bolivia, Brazil, Chile, Colombia, Mexico, Peru, and the United States — with payments-only coverage extending to China and Singapore.
• 24/7 Availability: Infrastructure operates around the clock, unlike traditional banking with business-hours-only settlement windows.
• Transparent FX: Exchange rates and fees are displayed before transaction confirmation, eliminating hidden costs.
• API Integration: The payments platform offers API access for fintechs and PSPs needing to automate pay-in and pay-out flows at scale.

Notable Clients/Projects

Koywe has been featured in Forbes, Diario Financiero, and FinteChile for its approach to stablecoin-powered treasury infrastructure in LATAM. The company raised a US$7.5 million funding round, with the CEO of Bitso joining the board. Co-founders bring deep regional fintech experience: Guillermo Acuña (Co-founder & CTO) previously co-founded Cumplo, which disbursed over US$3 billion in SME loans; Ignacio Detmer (Co-founder & CEO) co-founded Americas Car Group, valued at over US$1.5 billion and sold to Prosus Group.

Why Choose Koywe

Koywe is the ideal solution for finance and operations teams in multi-country businesses that need to eliminate dependence on slow, expensive traditional banking. Rather than managing multiple local bank accounts or banking relationships across countries, companies can centralise their international treasury through a single compliant platform — paying suppliers, collecting from clients, and managing currency exposure in real time, 24/7, at significantly lower cost than SWIFT-based alternatives.