A&A 21 Consultores is a strategic advisory firm focused on the infrastructure that moves money between the United States and Latin America.

We work at the intersection of cross-border payments, remittances, and financial inclusion, helping fintechs, financial institutions, and payment networks design, launch, and scale corridors that are licensed, compliant, and built to last.

Our work spans the full value chain: cross-border money services, pay-ins and payouts, remittances, wallet infrastructure, issuing and processing, and FX and liquidity. We bring decades of operating and advisory experience across the Americas, and a practitioner's view of what it takes to move value across borders at scale.

Latin America is one of the fastest-growing payments markets in the world. Yet across much of the region, remittances still arrive at a cash counter rather than into an account that can build savings, credit, or investment. We help our partners close that gap, turning volume into genuine financial participation.

A&A 21 Consultores is an Observer Member of Nacha's Payments Innovation Alliance, contributing to the global dialogue on the future of payments.

If you are building, investing in, or expanding across the US to Latin America corridor, we would welcome a conversation.

A&A 21 Consultores

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A&A 21 Consultores

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