“Can a Visma-backed Argentine accounting SaaS become the embedded finance OS for LatAm SMEs by owning invoicing, bank reconciliation, payroll and tax from one cloud ledger?”
Xubio launched in 2015 as a cloud accounting/ERP platform for Argentine SMEs and accounting firms, scaling to 60,000+ companies and 240M+ documents. In 2023 it was acquired by Norwegian group Visma Enterprise, becoming the LatAm anchor of Visma's regional accounting-software stack and expanding into Colombia under Visma Enterprise S.A.S. Product trajectory has moved from pure invoicing/accounting toward adjacent fintech workflows: Open Finance bank reconciliation (direct bank connections + Interbanking), AI-driven document capture (Comprobantes IA), payroll (Sueldos) and marketplace integrations (Mercado Libre, Mercado Pago, Tiendanube, WooCommerce).
Xubio is founded in 2015 and headquartered in Buenos Aires, Argentina.
Get a read on where your own stack stands against Xubio 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.