Kravata

Kravata is a B2B fintech infrastructure company founded in 2022, specializing in stablecoin-powered financial services for businesses operating in Latin America and globally. Operating as KRAVATA S.A.S. in Colombia and Kravata Chile SpA in Chile, the company provides the technological backbone enabling banks, neobanks, fintechs, and traditional businesses to integrate digital dollar (stablecoin) transactions, cross-border payments, multi-currency accounts, and compliance workflows into their existing platforms — without complex technical or regulatory friction.

Core Products/Services

Kravata delivers its infrastructure through two primary product lines and a modular suite of solutions:

Kravata Stack is the company's modular infrastructure platform for businesses to compose custom stablecoin-enabled financial solutions. It offers configurable modules including digital dollar savings (ahorro en dólar digital), earn/yield features, branded virtual and physical cards, and global multi-currency accounts. These modules are accessed through three integration interfaces: a white-label widget embeddable into mobile apps with minimal code, RESTful APIs for fully custom flows and user experiences, and a direct WebApp for teams that need to transact without technical integration. The platform integrates custody, liquidity, transactional infrastructure, and compliance into a single composable stack.

Kravata Go is the end-user-facing product layer that businesses embed to offer their customers digital dollar savings, cross-border international transactions without banking intermediaries, local currency withdrawals at any time, and asset growth features — all powered by stablecoins.

Core solution categories include:

• Cross-border Transactions: Local and global transfers connecting verified bank accounts and stablecoin wallets, with 99% efficiency rate
• Global Multi-Currency Accounts: Virtual accounts with localized data per country enabling users to connect with diverse financial systems
• Compliance as a Service (CaaS): Integrated KYC, KYB, identity verification, transaction monitoring (KYT), and regulatory reporting
• OTC Stablecoin Trading: Over-the-counter operations for stablecoin conversions between local currencies and digital assets

Key Strengths

Kravata differentiates through an infrastructure-first approach — it is the underlying technology layer that other financial businesses build upon rather than a consumer application. Key strengths include:

• 99% transaction efficiency rate
• Regulatory compliance built-in across Latin American jurisdictions (Colombia and Chile, with expansion underway)
• Modular architecture allowing businesses to select and combine only the modules they need
• Three flexible integration paths (widget, API, webapp) accommodating different technical maturity levels
• Multi-node cluster technology enabling dynamic hardware resource allocation and real-time scalability
• Hybrid SaaS and PaaS architecture supporting a wide range of cloud services
• Stablecoin custody and liquidity management built into the platform

Notable Clients/Projects

Kravata's clients include financial entities, neobanks, and fintechs. Confirmed clients include Lulo X (a neobank that praised the seamless API integration) and Smart Click (using Kravata for OTC stablecoin operations). The company is backed by globally recognized investors and partners.

Why Choose Kravata

Kravata positions itself as a strategic partner for businesses seeking to expand digital finance capabilities. By abstracting the technical complexity of blockchain/stablecoin infrastructure and the regulatory complexity of cross-border compliance, Kravata enables any company — from traditional banks to emerging fintechs — to offer stablecoin-powered services quickly, safely, and at scale. Their B2B and B2B2B service models allow clients to either use the infrastructure directly or extend it to their own end-users.