Company Overview
About Infinia
Infinia is a Montevideo, Uruguay-based account-to-account (A2A) payments infrastructure company — backed by Y Combinator (W23) with $500,000 in funding from G2 Momentum Capital, Tekton Ventures, YC, Decacorn Capital, and Flucas Ventures — providing fintech companies, marketplaces, and enterprises across Latin America with programmatic money movement infrastructure (pay-by-bank, open banking payments, recurring debit) that enables businesses to move money across Latin American markets without the friction, cost, and settlement delays of traditional card-based payment rails. Founded in 2022 by Alejandro Rettig and Ianai Urwicz in Montevideo, Infinia has generated $1-5 million in annual revenue with 12 employees and was selected for the Mastercard Start Path Emerging Fintech program.
Business Model & Competitive Advantage
Infinia's A2A payment infrastructure serves the growing business demand for direct bank transfer alternatives to card payments in Latin American markets: while Brazil's Pix instant payment system (launched 2020) demonstrated the transformative impact of cheap, instant A2A payments on business and consumer payment behavior, other LATAM markets (Uruguay, Colombia, Mexico, Chile, Argentina) have been developing similar real-time payment infrastructure with varying levels of adoption and API accessibility. Infinia provides the unified programming interface across LATAM markets' different A2A payment rails — abstracting the complexity of each country's specific banking API standards, real-time gross settlement systems, and compliance requirements into a single developer-friendly SDK. The recurring debit capability (for subscription billing and installment payments without card rails) enables the LATAM business models built around recurring revenue that traditional card networks make expensive through interchange fees.
Competitive Landscape 2025–2026
In 2025, Infinia competes in the Latin America open banking, A2A payments, and pay-by-bank infrastructure market with Kushki (LATAM payment orchestration, $100M raised), Pomelo (LATAM card and payments infrastructure, $60M raised), and Belvo (LATAM open banking API, $43M raised) for fintech and enterprise LATAM payment infrastructure adoption. The LATAM A2A payment market has grown significantly since Pix's success in Brazil demonstrated that instant bank transfer payments can displace card networks for e-commerce and P2P transfers when the user experience is frictionless. Mastercard's Start Path Emerging Fintech selection reflects the payment network's strategic interest in tracking the A2A payment innovation that could complement or compete with Mastercard's card network in LATAM markets. Y Combinator W23 backing connects Infinia with the LATAM fintech investor community. The 2025 strategy focuses on expanding the Uruguay and Colombia market coverage, building the cross-border payment corridor between LATAM countries for the regional e-commerce and marketplace use case, and growing the recurring subscription billing infrastructure for LATAM SaaS companies collecting in local currency.
Recent Activity
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Emerging Innovator
Infinia is an emerging player bringing innovative solutions to the Finance market.
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