“Can a 45-year-old Brazilian FX bank become the API-first embedded cross-border rail for Latin American fintechs, marketplaces, and PSPs?”
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.
Ouribank discloses Ouribank S.A. Banco Múltiplo (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Ouribank does not disclose a bank charter of its own; its banking services are provided through Ouribank S.A. Banco Múltiplo (in-house).
Ouribank processes payments through Ouribank Payment Gateway (in-house), Pix (self-operated), TED (self-operated) and Boleto (self-operated). Disclosed money-movement rails: Pix.
Ouribank's lending and capital products are provided by Ouribank (in-house).
Ouribank uses Ouribank (in-house) for FX and cross-border payouts.
Ouribank's investing and wealth products are powered by Ouribank (in-house).
The Embedded Finance Index 2026 maps 6 layers in Ouribank's stack: Payments / PSP (Ouribank Payment Gateway (in-house), Pix (self-operated), TED (self-operated) and Boleto (self-operated)); Money movement (Pix); Banking / BaaS (Ouribank S.A. Banco Múltiplo (in-house)); Lending (Ouribank (in-house)); FX & payouts (Ouribank (in-house)); Investing (Ouribank (in-house)).
Ouribank is founded in 1979 and headquartered in São Paulo, Brazil.
Get a read on where your own stack stands against Ouribank and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.