Directory/Vita Wallet
Category
  • Digital Wallets
  • Fintechs
  • Infrastructure Providers
  • OTC Desks
  • Payments
Use Cases
  • B2B Payments
  • Cross-Chain Transfers
  • E-commerce Payments
  • Payouts and Payroll
  • Trading and Swapping
Circle Products Used
  • USDC
On/Off-Ramps
  • Yes
Platform
  • Android
  • iOS
  • Web
Region
  • APAC
  • Europe
  • LATAM
  • North America
Country
  • Argentina
  • Bolivia
  • Brazil
  • Chile
  • Colombia
Support
Alberto Pirazzoli

Cross-border payments in LatAm made simple. Local payins and payouts across LatAm plus SEPA, SWIFT, and digital dollar on/off-ramps - all through a single white-label API.

Vita Wallet is a cross-border payments company built for Latin America.

Through a single API, businesses can collect, convert, hold, and pay out money across the region - combining local payment rails, correspondent banking, and stablecoin infrastructure in one integration.

Instead of opening a local entity, bank account, and managing separate integrations in every market, our clients connect once and get:

  • Local collections in Chile, Colombia, Argentina, Mexico, Brazil (Pix), and Bolivia with settlement in their currency of choice - fiat or digital dollars.
  • Local payouts across 14+ Latin American markets - most settled instantly - plus ACH, wire, and RTP/FedNow in the US, SEPA in Europe, and SWIFT worldwide.
  • Stablecoin on and off-ramps on Polygon, Ethereum, BSC, and Solana, enabling treasury to sit in digital dollars and convert to local currency only when needed.
  • Multi-currency accounts and named sub-accounts: one virtual account number per end customer or supplier - each with its own ledger - with local currency converted automatically to stablecoins and a real-time webhook on every credit.
  • Real-time FX quotes before every order, batch payments for payroll and mass B2B runs, and an OTC desk for larger tickets.

Since inception, we have processed $4B+ across 4M+ transactions for 380K users and 1,500 business clients.

Fintechs, marketplaces, PSPs, exporters, logistics operators, and payroll providers use Vita Wallet to (1) pay global suppliers and remote teams, (2) collect from customers in their own currency, and (3) move money in and out of Latin America without friction. Everything is white-label and API-first, so our clients keep their own product experience, backed by dedicated technical support and end-to-end testing.

Vita Wallet is ISO 27001 certified and runs strict KYC/KYB and AML/CFT programs.

Regulatory licenses by region:

  • Argentina: PSP and VASP (BCRA & CNV)
  • Bolivia: VASP (ASFI)
  • Chile: UAF-registered
  • Colombia: UIAF-registered
  • Mexico: money transmitter (CNBV)
  • A payment institution license with the Bank of Spain is in progress.

Use Cases

Local Payouts in LatAm, Settled with Stablecoins

Companies can fund a single balance in stablecoins and pay out in local currency to bank accounts in Argentina, Bolivia, Brazil (Pix), Chile, Colombia, Mexico, Peru, and 10+ more markets - most of them instantly. No local entity or local banking relationship required, and just one API call per payment.

Local Collections Settled into Stablecoins

Vita connects with local payment methods and links in Chile, Colombia, Argentina, Mexico, and Brazil. Funds land in our customers' Vita wallet and can be settled in digital dollars automatically, enabling global businesses to charge LatAm customers in their own currency without needing to hold local cash.

Named Sub-Accounts with Automatic Stablecoin Conversion

Clients can open one virtual account number per end customer or supplier under a sponsor bank, each with its own ledger. Incoming local currency transfers convert automatically to stablecoins, a real-time webhook reports every credit, and a daily reconciliation file closes the loop so flows never get mixed between end clients.

Supplier Payments & Cross-Border Payroll

Pay global suppliers and remote teams from a single balance: local rails in LatAm, ACH / Wire / RTP-FedNow in the US, SEPA in Europe, SWIFT worldwide, or digital dollars onchain. Batch payments via CSV for payroll and mass B2B runs with real-time quotes before every order.

Treasury & FX Between Fiat & Stablecoins

Businesses in inflationary or capital controlled markets can hold value in digital dollars and convert to local currency only when they need it while benefitting from real-time quotes, an OTC desk for larger tickets, and an immutable ledger for every movement.

White-Label Wallet Infrastructure (BaaS)

Fintechs, marketplaces, and PSPs can embed multi-currency accounts, fiat and stablecoin balances, on/off-ramps, and payouts inside their own product through a single API with a typical time to market of 4 to 6 weeks.

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