Directory/Apolo
Apolo

Apolo

Contact
Visit website
Resources
Category
  • Fintechs
  • Infrastructure Providers
  • OTC Desks
  • Payments
  • Remittances
Use Cases
  • B2B Payments
  • Payment Settlement
  • Payouts and Payroll
  • P2P Remittances
  • US Dollar Access
Blockchains Supported
  • Ethereum
  • Polygon PoS
  • Solana
On/Off-Ramps
  • Yes
Platform
  • Web
Region
  • LATAM
Country
  • Brazil
  • Costa Rica
  • El Salvador
  • Mexico
  • United States
Support
Jose Ibarra

Central America's regulated stablecoin infrastructure connecting the region with the global financial system. Multi-currency accounts, cross-border rails, and BaaS API for Fintechs and Paytechs.

Apolo is building the regulated stablecoin infrastructure of Central America - the licensed layer connecting the region with the global financial system.

We serve three customer segments through a single platform:

  • Individuals: Multi-currency accounts (USD, CRC, stablecoins), cross-border remittances, on/off-ramps to stablecoins, and daily financial tools built for Central America.
  • Businesses & Corporates: Corporate accounts in multiple currencies, US virtual accounts with ACH/RTP/Fedwire/SINPE access, corporate escrow, paymaster services, OTC desk for institutional stablecoin conversions, and treasury management.
  • Fintechs & Paytechs: A BaaS API that lets fintechs, neobanks, marketplaces, and enterprises embed regulated Central America financial rails.

Where we operate today:

  • Costa Rica: Licensed money transmitter with direct integration into Banco Central de Costa Rica through SINPE. Money exchange (casa de cambio) authorization in final approval.
  • United States: Registered money services business powering US virtual accounts and cross-border operations.

Use Cases

International Remittances

People across Central America can receive digital dollars and CRC from family, clients, or employers abroad, with funds landing in their Apolo account in minutes at real market rates and without hidden spreads.

On/Off-Ramping

Individuals and businesses can convert between fiat (USD, CRC) and stablecoins in seconds through regulated custody, avoiding informal exchange operators and eliminating counterparty risk.

Escrow

Corporates can hold funds in regulated stablecoins or USD custody, released only when contract conditions are met (e.g., real estate, M&A operations, construction contracts, guarantee deposits, and multi-signature workflows).

Cross-Border Payments

Businesses can move stablecoins, USD, and CRC between Central America and the rest of the world through SINPE, ACH, Fedwire, SWIFT, and onchain rails - all consolidated into a single platform.

Payroll

Companies can pay distributed teams across Central America in USD or local currencies leveraging SINPE, ACH, SPEI, Pix, SWIFT, and stablecoin settlement.

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Ready to connect with Apolo?

Digital assets are subject to a number of risks, including price volatility. Transacting in digital assets could result in significant losses and may not be suitable for some consumers. Digital asset markets and exchanges are not regulated with the same controls or customer protections available with other forms of financial products and are subject to an evolving regulatory environment. Digital assets do not typically have legal tender status and are not covered by deposit protection insurance. The past performance of a digital asset is not a guide to future performance, nor is it a reliable indicator of future results or performance. Additional disclosures can be found on the Legal and Privacy page.

Circle Internet Financial, LLC (NMLS ID# 1201441). Circle Internet Financial, LLC is licensed as a Money Transmitter by the New York State Department of Financial Institutions and to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. Texas customers click here for information about filing complaints. Maryland customers click here for information about filing complaints.

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Some products and services made available on the Circle Developer Platform (collectively, “Web3 Services”) are offered by Circle Technology Services, LLC (“CTS”). Services do not include financial, investment, tax, legal, regulatory, accounting, business, or other advice. CTS is only a provider of software and related technology and is not engaged in any regulated money transmission activity in connection with the services it provides. For additional details, please click here to see the Circle Developer terms of service.