Company Overview
About Koywe
Koywe is a Montevideo, Uruguay-based crypto payment infrastructure company — backed by Y Combinator (W23) with $1.6 million in total funding including a $1.1 million seed in January 2023 led by Manutara Ventures with Daedalus Ventures, Bridge Latam, and Rhombuz — providing fintech companies, payment processors, and digital wallets across Latin America with fully compliant crypto on-ramp and off-ramp APIs and SDKs that enable stablecoin settlement in local currency within minutes. Operating in Chile, Mexico, Colombia, and Peru with 12 employees, Koywe acquired FACTO in June 2024 and joined the Borderless network in May 2025, achieving 5x month-over-month growth to become one of the leading LatAm compliant crypto payment rails for remittances, USD wallet funding, and foreign exchange products.
Business Model & Competitive Advantage
Koywe's compliant crypto payment infrastructure addresses the regulatory complexity that companies building Latin American crypto products face: converting fiat currency (Chilean pesos, Mexican pesos, Colombian pesos, Peruvian soles) to stablecoins (USDC, USDT) and back requires local regulatory compliance in each jurisdiction — exchange licenses, KYC/AML programs, anti-money laundering reporting to local financial intelligence units, and integration with local payment rails (SPEI in Mexico, PSE in Colombia, Transbank in Chile). Each country has different regulatory frameworks for virtual asset service providers (VASPs) — building and maintaining these compliance programs requires legal teams and regulatory expertise in each market. Koywe's compliance-as-a-service model (handling the regulatory licensing, KYC/AML infrastructure, and local payment rail integrations in all four markets) enables fintech product companies to launch crypto payment features in Latin America through a single API integration rather than building multi-country compliance programs independently.
Competitive Landscape 2025–2026
In 2025, Koywe competes in the Latin American crypto payment rails, stablecoin infrastructure, and cross-border payment market with Bitso (LatAm crypto exchange, $250M raised at $2.2B valuation), dLocal (emerging market payment processing, NASDAQ: DLO, $617M raised), and MercadoPago (NASDAQ: MELI, Argentina-based digital payments) for Latin American fintech company compliant crypto on/off-ramp infrastructure adoption. The FACTO acquisition (June 2024) expanded Koywe's payment infrastructure capabilities, and joining the Borderless network (May 2025) extends the compliant payment reach through Borderless's cross-border network. Y Combinator W23 backing connects Koywe with the Latin American fintech investor community. The 5x month-over-month growth validates strong product-market fit in the underserved LatAm compliant crypto infrastructure market. The 2025 strategy focuses on expanding to additional LatAm markets (Brazil, Argentina), building the B2B remittance corridor products (USD-to-local-currency settlement for workers sending money home), and growing the enterprise fintech partnerships for embedded stablecoin payment features.
Open Positions
Reddit Discussions
Key Differentiators
Emerging Innovator
Koywe is an emerging player bringing innovative solutions to the Finance market.
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