Ouribank
“Can a 45-year-old Brazilian FX bank become the API-first embedded cross-border rail for Latin American fintechs, marketplaces, and PSPs?”
Founded1979
HQSão Paulo, Brazil
IndustryBank / National
The story
Ouribank is a 45+ year old Brazilian bank that has historically specialized in foreign exchange. Its recent evolution centers on becoming a BaaS-style FX and cross-border payments hub for fintechs, marketplaces, PSPs, remitters, and other financial institutions, delivered via APIs. It positions itself as the embedded-FX rail behind Brazilian fintech and cross-border commerce rather than a retail neobank — explicitly stating it does not offer loans or credit/debit cards to end consumers.
Last 12 months
—
Product timeline
1979
Founded as an FX-focused institution in Brazil· banking
2023
Rebranded to Ouribank (from Ouro Preto/Ourinvest lineage), emphasizing FX + embedded finance hub· pivot
Regulated entities
1
regulatory licence held by Ouribank
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
6 layers disclosed in Ouribank’s embedded-finance stack
Payments / PSP
Money movement
in the full report
Banking / BaaS
in the full report
Lending
in the full report
FX & payouts
in the full report
Investing
in the full report
Accounting gap: none
5 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.