← Embedded Finance Index 2026

Infinia

Can a compliance-first API layer bridge local fiat clearing networks with stablecoin rails to become the default cross-border money movement infrastructure for emerging markets?

Founded2022
HQMontevideo, Uruguay (with US presence in New York)
Total raised$13.5M+
Latest roundSeries A, July 2026
IndustryInfrastructure / Payments
The story

Founded in 2022 in Uruguay by a team with deep fintech roots (reportedly ex-dLocal), Infinia began as a real-time payments infrastructure provider for Latin America. The company pivoted from a traditional payment rails focus to become a hybrid infrastructure layer that bridges local fiat clearing networks (PIX, SPEI, Transferencias 3.0) with digital asset/stablecoin rails — positioning itself as the compliance-first API layer for cross-border money movement in emerging markets. The 2026 Series A and Open Standard partnership mark a clear push into programmable stablecoin settlement as a core product.

Last 12 months
2026-07
2026-07
Product timeline
2022
Founded in Uruguay, initially focused on real-time payments infrastructure for merchants, PSPs, and banks in Latin America.· pivot
2023
Accepted into Y Combinator's 2023 batch, providing early-stage validation and network access.· banking
2024
Started as a small pilot in Uruguay and grew to become a preferred infrastructure partner of Bridge-Stripe, doubling 6-digit ARR every half-year.· payments
2025
Expanded to 9+ markets with named virtual accounts and 200+ payout countries, connecting PIX, SPEI, and Transferencias 3.0 local rails.· banking
2026
Partnered with Open Standard to bring Open USD (OUSD) stablecoin infrastructure to emerging markets, positioning as the translation layer between local banking grids and digital asset rails.· banking
2026
Raised $13.5M Series A led by Bain Capital and Variant Fund to expand regulatory licenses and grow across Latin America, Africa, and Asia.· banking
The stack
3 layers disclosed in Infinia’s embedded-finance stack
Payments / PSP
Infinia (self-operated)
FX & payouts
in the full report
Crypto
in the full report
Accounting gap: none
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.