TKambio USA
“Can a Peru-origin online FX house become the cross-border financial operating platform for Latin American exporters and importers transacting in dollars?”
Founded2022
HQEl Paso, Texas, USA (parent entity TK Business Online S.A.C. headquartered in Lima, Peru)
FoundersMarco Poma
IndustryFintech / Cross-border payments
The story
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.
Last 12 months
Product timeline
2017
TK Business Online S.A.C. registered with Peru's Superintendencia de Banca, Seguros y AFP (SBS) as an online currency exchange (casa de cambio) under Resolution N° 03054-2017.· pivot
2022
Launched TKambio USA entity in El Paso, Texas to extend services to US-based businesses with multi-currency accounts and international payments.· banking
2023
Announced referring partnership with Monex USA for B2B international payments.· pivot
2024
Launched TKambio Capital on tkambio.us, powered by Slope and Lead Bank, offering instant financing up to $250K for US-based exporters.· lending
2024
Partnered with Koverly to offer branded checkout and embedded B2B financing for clients paying via ACH, credit card, or wallet transfers.· lending
2024
TKambio obtained ISO 27001 certification, a milestone for information security among Peruvian fintechs.· pivot
Regulated entities
1
regulatory licence held by TKambio USA
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in TKambio USA’s embedded-finance stack
Money movement
Lending
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Accounting gap: significant
6 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.