“Can a Peru-origin online FX house become the cross-border financial operating platform for Latin American exporters and importers transacting in dollars?”
Founded as an online currency exchange (casa de cambio) in Peru in 2017, TKambio initially focused on retail USD/PEN conversion for Peruvian consumers and SMEs. The company expanded to a US entity (TKambio USA, founded 2022) targeting Latin American businesses transacting in dollars, offering multi-currency accounts and zero-commission international payments. By 2024, TKambio USA layered on embedded B2B financing via Slope/Lead Bank and Koverly, pivoting from pure FX into a broader cross-border financial services platform for exporters and importers.
TKambio USA discloses Lead Bank as its sponsor bank, according to the Embedded Finance Index 2026.
TKambio USA does not disclose a bank charter of its own; its banking services are provided through Lead Bank.
TKambio USA moves money over ACH.
TKambio USA's lending and capital products are provided by Slope and Koverly.
TKambio USA uses Monex USA for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 4 layers in TKambio USA's stack: Money movement (ACH); Lending (Slope, Koverly, TKambio Capital — instant B2B working capital up to $250K and Extended payment terms via Koverly embedded financing); Sponsor bank (Lead Bank); FX & payouts (Monex USA).
TKambio USA was founded by Marco Poma and is founded in 2022, headquartered in El Paso, Texas, USA (parent entity TK Business Online S.A.C. headquartered in Lima, Peru).
Get a read on where your own stack stands against TKambio USA 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.