“Can a regulated Panamanian bank (Towerbank) capture the LatAm unbanked and crypto-curious segment by wrapping traditional banking infrastructure inside a crypto-native mobile app?”
ikigii was launched as the digital/mobile brand of Towerbank International Inc., a regulated Panamanian bank with 50+ years of history, designed to bridge traditional banking and crypto for underserved LatAm consumers. Rather than building a standalone neobank charter, ikigii operates as a front-end app layer fully backed by Towerbank's banking license, enabling dollar savings accounts, crypto trading, BTC-backed loans, Visa debit/credit cards, and international transfers in one experience. The strategic bet is to be the primary financial app for LatAm freelancers, crypto holders, and dollar-savers who lack access to US-dollar banking but want integrated crypto functionality.
ikigii discloses Towerbank International Inc. (in-house) as its banking provider, with Towerbank International Inc. as its sponsor bank, according to the Embedded Finance Index 2026.
ikigii does not disclose a bank charter of its own; its banking services are provided through Towerbank International Inc..
ikigii moves money over SWIFT.
ikigii's cards run on Visa.
ikigii's crypto products run on TowerTrust Inc. (in-house fiduciaria).
The Embedded Finance Index 2026 maps 6 layers in ikigii's stack: Money movement (SWIFT); Banking / BaaS (Towerbank International Inc. (in-house)); Card network (Visa); Lending (BTC-collateralized loan (préstamos con Bitcoin) — disbursed in USD, USDT, or USDC and Collateral-backed credit card limit); Sponsor bank (Towerbank International Inc.); Crypto (TowerTrust Inc. (in-house fiduciaria)).
ikigii is headquartered in Ciudad de Panamá, Panama.
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