Transfero

Transfero is a blockchain-powered fintech founded in 2015 and headquartered in Zug, Switzerland, with operational offices in Rio de Janeiro, Brazil, and a presence across Latin America and Europe. The company provides the financial infrastructure that enables other businesses — fintechs, exchanges, payment aggregators, and digital platforms — to offer banking, crypto, and payments services to their clients, with a particular focus on Latin America.

Operating under the BaaSiC (Banking as a Service in Crypto) brand, Transfero acts as the backend infrastructure layer between traditional finance and the crypto ecosystem. The company processes over one billion transactions since inception in 2018 and has issued more than R$15 million in stablecoins in circulation. With 51–200 employees, the firm serves institutional and corporate clients seeking compliant, API-driven access to LATAM financial rails.

Core Products/Services

Transfero's B2B product suite spans three primary verticals:

Banking Infrastructure (BaaSiC): Transactional accounts, KYC/compliance tooling, Indirect PSP (integration into Brazil's Pix instant payment system and the Central Bank's SPI), and DREX integration (Brazil's CBDC). This enables non-banking companies to manage their own payment accounts via API.

Crypto Financial Services: Custody & withdrawal, buy/sell of crypto assets, institutional OTC for large-volume trades, crypto and Pix checkout, on-ramp and off-ramp solutions. All delivered through a single API endpoint with 99.999% uptime.

Payments Gateway: Pay-in and pay-out solutions for international companies receiving or sending funds in Brazil (via Pix or crypto), eFX for cross-border digital currency exchange, and prepaid card issuance allowing clients to spend in local currency backed by crypto balances.

Stablecoins: Transfero issues BRZ (Brazilian Real stablecoin, pegged 1:1 to BRL) and ARZ (Argentine Peso stablecoin). BRZ is the largest non-dollar stablecoin and is available on 16 blockchains including Ethereum, Polygon, Solana, Avalanche, Base, Arbitrum, and more. Reserves are audited by independent institutions.

Crypto Checkout: A standalone crypto payment gateway allowing retail and e-commerce businesses to accept crypto and Pix payments, with automatic conversion to local fiat currency. Available as a mobile app and via VTEX e-commerce platform integration.

Key Strengths

• Regulated entity operating under Brazilian Central Bank frameworks and Swiss financial regulations
• Single API integrating banking, crypto, and payment rails — dramatically reducing integration complexity for B2B clients
• Multi-layer security combining MPC cryptography and hardware isolation for asset custody
• Native stablecoin issuer (BRZ and ARZ) with independent reserve audits and broad multi-chain availability
• DREX (Brazil's CBDC) integration capability, positioning Transfero at the frontier of digital currency infrastructure
• Deep LATAM focus with offices in Brazil, Chile, Argentina, Bahamas, and Switzerland

Notable Clients/Projects

Transfero has published case studies including a payment aggregator integration and a partnership with the Bybit exchange, demonstrating institutional-grade deployment of its BaaSiC infrastructure. The company regularly presents at major industry events including Web Summit Qatar and MERGE DIGITAL São Paulo.

Why Choose Transfero

For global companies seeking regulated, API-driven access to Latin American financial markets — including fiat banking rails, crypto services, and stablecoin infrastructure — Transfero offers a single, compliant partner that removes bureaucracy and complexity. Its unique position as both a stablecoin issuer (BRZ/ARZ) and a Banking-as-a-Service provider makes it particularly suited for crypto-native businesses, exchanges, fintechs, and international payment companies expanding into LATAM.