WayBank
“Can WayBank become the unified financial infrastructure layer connecting Central American fintechs, enterprises, and consumers to modern banking rails?”
Founded2023
HQGuatemala City, Guatemala
IndustryInfrastructure / BaaS
The story
Founded in 2023 in Guatemala, WayBank positions itself as a BaaS infrastructure layer for Central America — providing ACH access, virtual and physical card issuance, crypto payment rails, KYC/AML, and treasury tools via API. The company targets three distinct segments: fintechs needing banking rails, enterprises seeking treasury control, and families wanting budgeted card products. Expansion into El Salvador, Costa Rica, Panama, Mexico, Colombia, and the US is planned but not yet live.
Last 12 months
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Product timeline
2023
WayBank founded in Guatemala as a fintech infrastructure provider offering ACH, card issuance, and crypto payment rails via API for Central American fintechs.· banking
2025
Expanded product offering to include treasury management tools for enterprises, family finance dashboards, and an AI-powered financial assistant.· banking
The stack
1 layer disclosed in WayBank’s embedded-finance stack
Money movement
Accounting gap: significant