Licensed Money Transmitter : Carrying Broker Dealer, registered with FINRA/SEC : Visa Principal Member

A single, unified financial platform that brings together banking core, payments, brokerage, and crypto/stablecoin infrastructure into one API-first system. We enable fintechs and financial institutions to launch and scale financial services quickly, securely, and with full regulatory backing.

Key Focus Areas:
Named USD Accounts for Global Businesses & Consumers
* Full-feature FDIC-insured USD accounts with unique account numbers for each customer
* MXN and multi-currency accounts for local collection and settlement across 30+ countries

Global Payout Infrastructure
* 200+ country coverage via local payment rails, wallets, cash pickup, debit/prepaid cards, SWIFT, and local wires
* Visa Direct to Account – enable instant payments to bank accounts in 200+ countries
* Unlimited ACH pull/push, RTP, wires, and international local payments
* On-/off-ramp for USDC & USDT. Sponsor for crypto wallets
* White-label stablecoin issuance, 1:1 treasury reserves. Institutional custody with 90%+ rewards payout
* Tokenization of Treasuries, gold, and other assets

High-Yield Brokerage & Liquidity
* Offer your customers an integrated brokerage accounts offering institutional money market funds, U.S. Treasuries, and FDIC sweeps
* Instant liquidity with $100M+ per transaction limits
* Stablecoin reserves backed by U.S. Treasuries, with yield distribution to clients

Card Issuance & Embedded Payments
* Prepaid, debit, credit, and secured credit cards with direct VisaNet connectivity
* BIN sponsorship and card processing
* Visa Direct push/pull to cards and accounts for both domestic and international payments

Differentiation:
* Go live in as little as one week with named accounts, payouts, and compliance infrastructure
* Built-in KYC/KYB, real-time fraud detection, and sanctions monitoring

Bivo

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