Fundraising Fox
Yativo
Techstars '24Santiago, CL · Founded 2023 · 7 employees on LinkedIn · 1 known investors
Find your way into Yativo
Sign up to see every warm intro you have to Yativo
- Paths you didn't know you had: your email and LinkedIn already hold routes to the Yativo team. We find them for you
- 2nd- and 3rd-degree connections: the friend-of-a-friend routes that take hours to manually find through your inbox or LinkedIn
- Answers now, not in days: momentum is everything in a raise. Skip asking around whether someone knows someone
Days of research, done the moment you sign in, with every route ranked by how warm it is.
Yativo is a payments infrastructure provider that enables businesses to process payments in emerging markets across Latin America and Southeast Asia using local bank transfers and stablecoins. The platform combines traditional finance with digital assets through a single API, allowing companies to collect and settle payments without requiring local banking setup or entities.
Also known as Yativo
Investors · 1
How we know: the Techstars portfolio · funding news · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · Not right? Tell us
Company profile
researched Sep 2026Yativo is a payments infrastructure company that enables businesses and platforms to send and collect payments across borders, using stablecoins as the back-office settlement layer. Its product set covers global payments (programmatic fiat collections and payouts in over 100 countries with instant stablecoin settlement), multi-currency virtual accounts, card issuing, crypto wallets, and treasury services such as instant swaps, OTC, on/off ramps and forward contracts. The company positions its infrastructure so end customers do not need to hold stablecoins or have crypto knowledge.
The virtual accounts product issues dedicated vIBANs in the names of a client's users across 25+ currencies, supporting deposits via local and SWIFT transfers, first- or third-party collections, one-time or permanent accounts, automatic reconciliation, and settlement in stablecoins such as USDC. Yativo states that payments are processed through locally licensed financial institutions and local partners in each corridor, which it presents as the basis for compliance and liquidity in those markets.
According to a Techstars job board profile, Yativo is described as a developer of a financial technology platform for global payments serving migrants and international businesses, with a payment engine, a P2P agent network and payout partnerships. The company is also associated with Tivo, a token-based rewards layer, under which integrating companies earn tokens tied to a percentage of card creation, account creation, payout and deposit fees, distributed via monthly activity snapshots.
Business model
Yativo sells API-based payments infrastructure to businesses on a subscription basis with usage-linked fees. Its website advertises tiered plans, including a "Scale Plan" at $100 per month (billed annually) aimed at small and medium-sized companies with growing volumes, offering dedicated support, discounted fees and access to all supported currencies. Clients can test flows in a free sandbox environment before going live.
Recurring subscription plans plus transaction-related fees, including card creation fees, virtual account creation fees, payout fees and deposit/collection fees, which are referenced in the Tivo token reward schedule.
Traction
Public customer references include Bithonor, whose founder Tony Velandia cites expansion into more countries, and Cwito, whose founder Chris Ani cites launching virtual accounts for users without managing multiple banking partners. The company publishes ongoing product updates, with recent releases covering virtual accounts, checkout links, local payout rails, multi-currency virtual accounts for importers and exporters, on-ramp/off-ramp APIs and reloadable paycards.
Latest developments
Blog posts dated September 1, 2026 announce newly live virtual accounts, checkout links and local payout rails, and a streamlining of the company's rail network effective September 2, 2026. Earlier 2026 posts cover multi-currency virtual accounts for importers and exporters (May 2026) and on-ramp/off-ramp APIs and reloadable paycards (April 2026).
▸Full profile — market position, technology, go-to-market, geography, history
Market position
Positioned as cross-border payments infrastructure for emerging markets, bridging traditional local banking rails and digital assets so clients can operate without a local entity or local banking setup. Techstars lists the company at pre-seed stage with 1-10 employees in financial services, fintech and payments.
Combines local banking rails in emerging markets with stablecoin settlement behind a single API, so clients' customers do not need crypto knowledge; uses locally licensed financial institutions and local partners for compliance and liquidity, and removes the need for clients to obtain local entities or banking relationships in each market.
Technology
A developer-facing API that lets clients programmatically send and receive payments via local transfers, SWIFT and stablecoins. Core components include multi-currency virtual accounts and vIBANs across 25+ currencies, virtual cards and reloadable paycards, crypto wallets, global payouts and collections, and on-ramp/off-ramp functionality. Stablecoins such as USDC act as the settlement layer, and the company has described wallet-as-a-service functionality delivered via the XDC Network. Tivo, a token, is used as a usage-based rewards layer for integrating companies.
Go-to-market
Direct developer-led acquisition through a self-serve sandbox and published plan pricing, supported by content marketing on the company blog. Yativo has also run an ecosystem program, the Yativo x Tivo Founders Bootcamp held online on June 30, 2025, to onboard startups onto its infrastructure, offering two months of free sandbox access, dedicated integration support, a seven-day go-live challenge, and prizes of $3,000 in cash plus $3,000 in Tivo tokens shared among the first three companies to integrate. The program was promoted in partnership with VCs, fintech accelerators and developer communities.
Global businesses and platforms that need to move money across borders, including fintech companies, marketplaces, digital wallets, neobanks, payment companies and VASPs, as well as importers and exporters; a Techstars profile also cites migrants and international businesses as end beneficiaries.
Geography
Headquartered in Santiago, Chile (with a Providencia, Santiago Metropolitan Region location listed). Yativo focuses on emerging markets in Latin America and ASEAN while advertising send and collect coverage in more than 100 countries; blog tags reference Brazil, Colombia, Chile, Panama, India, Vietnam and China corridors.
History
Founded in 2023 and based in Santiago, Chile, with Hope Bernard listed as a co-founder. The company has expanded its product line over time from payment collections and payouts to virtual accounts, cards, wallets and treasury services, and in 2025 launched the Tivo token rewards layer alongside a founders bootcamp program. A blog notice dated September 2026 announced a streamlining of its rail network effective September 2, 2026.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Related companies · 4
Companies working in the same space as Yativo.
Timeline · 6
launches, deals, and filingsYativo published an update announcing that it is streamlining its rail network, effective September 2, 2026.
Yativo announced that new virtual accounts, checkout links and local payout rails are live.
Yativo announced multi-currency virtual accounts aimed at importers and exporters.
Yativo announced an on-ramp and off-ramp API for businesses to scale global payments.
Yativo introduced reloadable paycards, enabling payouts to be sent as cards.
A two-hour online bootcamp to onboard tech startups onto Yativo's infrastructure (virtual cards, crypto wallet, virtual bank accounts, global payouts and collections) and introduce Tivo token rewards. Participants received two months of free sandbox access and integration support; the first three companies to integrate were to share a $3,000 cash prize plus $3,000 in Tivo tokens.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
In the news
▸Research sources · 8
primary sources listed
- Yativoyativo.com · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Yativo do?
- Yativo is a payments infrastructure provider that moves money across borders using local banking rails and stablecoin settlement.
- Who are Yativo's investors?
- Yativo's investors include Techstars.
- Where is Yativo headquartered?
- Yativo is headquartered in Santiago, CL.