Stablecoin wallets, card issuance, virtual accounts, cash networks, AI agent payments, and regulated yield — all through one API. Built together with 16+ world-class partners. Live in 40+ countries.
Multi-day settlements, correspondent banking fees, currency volatility, and fragmented compliance slow down every transaction. CiNKO replaces it all with one platform.
Your suppliers in Mexico wait 3 days for SWIFT. Your contractors in Colombia wait even longer.
Settle in minutes on stablecoin rails — 24/7, no banking hours, no correspondent banks.
The average LATAM cross-border payment costs $14 in intermediary fees. Most of it is lost to middlemen.
Up to 90% lower costs using stablecoin settlement. More money arrives, less gets lost.
Payment processor, FX provider, compliance vendor, card issuer, and cash network. All separate.
One API replaces all five. 16+ partners pre-integrated, one contract, one dashboard.
Getting licensed in every LATAM market takes years and millions in legal fees.
DARE Act 2024 licensed, live in 40+ countries. Your compliance burden becomes our problem.
Create and manage USDC, PYUSD, USDG, and USDL wallets for your customers. Institutional-grade Fireblocks MPC custody. Segregated accounts with full fund isolation.
Issue USD virtual accounts with real ACH routing numbers and account numbers. Your customers receive USD from anywhere and settle in stablecoins or local currency.
Issue Visa Platinum cards — virtual and physical — backed by stablecoin balances. Apple Pay and Google Pay ready. 80M+ merchant acceptance worldwide.
Collect and disburse in 40+ markets using local payment methods. PIX in Brazil, SPEI in Mexico, PSE in Colombia, SINPE in Costa Rica, and more.
Your customers deposit and withdraw cash at thousands of MoneyGram locations across LATAM and the Caribbean. Bridge the gap between physical cash and digital wallets.
Give AI agents their own wallets and Visa cards. Programmable spending rules, merchant restrictions, human-in-the-loop approvals. Built on Visa Intelligent Commerce and Trusted Agent Protocol.
RESTful APIs, webhooks, SDKs for Python, Node.js, and Go. Familiar banking primitives — no blockchain expertise required.
const wallet = await cinko.wallets.create({ currency: "USDC", owner: "user_12345", type: "custodial" }); // Returns: { id: "wal_...", balance: "0.00", ... }
const card = await cinko.cards.create({ walletId: wallet.id, type: "virtual", network: "visa", applePay: true });
const agent = await cinko.agents.create({ walletId: wallet.id, rules: { dailyLimit: 5000, requireApproval: { above: 1000 }, merchants: { blocked: ["gambling"] } } });
Issue USD accounts, stablecoin wallets, and Visa cards under your brand. Go live in 40+ countries without separate banking licenses in each. White-label the entire CiNKO stack.
US companies send USD. LATAM contractors receive in their preferred currency — USDC, local fiat, or loaded directly to a Visa card. Batch disbursements, real-time FX, instant settlement.
Deploy purchasing agents with private wallets and Visa cards. Programmable rules control what agents can spend, where, and how much. Human-in-the-loop for high-value transactions. Full audit trail.
Regional banks across the Caribbean and LATAM can offer USDC accounts, cross-border payments, and card products to their customers. CiNKO handles the infrastructure, compliance, and custody. Your brand, our rails.
Private USDC wallets and Visa cards for AI agents. Programmable spending rules, human-in-the-loop controls, and full audit trail. Built on Visa Intelligent Commerce and Trusted Agent Protocol.
Explore Agentic Payments →const agent = await cinko.agents.create({ rules: { dailyLimit: 5000, requireApproval: { above: 1000 } } });
Early access is limited. Join the waitlist to be among the first to build on CiNKO's stablecoin infrastructure.