Your user starts in your product.
The app or platform is the entry point to the experience you want to offer.
VIVO GROUP · FINANCIAL INFRASTRUCTURE
Build financeinto your product.
Payments, wallets, cards and virtual assets on a shared foundation of technology and compliance. Without building the entire financial foundation from scratch.
Circle Partner
Financial coreAPIs · Ledger · CompliancePayments
Wallets
Cards
USDC / USDT
Tokenization
APIs
Capabilities vary by product and marketCONCEPTUAL ARCHITECTURE
01 / COREShared infrastructure
02 / ASSETSFIAT · USDC · USDT
03 / ECOSYSTEMLATAM · USA · CEMAC
01 / HOW IT WORKS
Your product leads.
Vivo underpins it.
You build the product and the relationship with your users. Vivo connects payments, wallets, virtual assets and compliance on a shared foundation, keeping the experience together.
The core connects every movement.
APIs, the ledger and controls connect payments, accounts, cards and custody.
Each market defines the scope.
Operations connect with banks, networks and providers according to the service and jurisdiction.
See how the architecture connects
VIVO / PLATFORM ARCHITECTURE
App / Web
APIs + orchestration + ledger
Payments and accounts
Cards and custody
Compliance
Risk and fraud
Connectivity and providers
SECURITY · OBSERVABILITY · AUDIT
02 / ECOSYSTEM
Infrastructure,
put into practice.
A shared financial foundation connects remittances, collections, wallets and tokenization. Meet the companies bringing each capability to a use case.
USAVivo Group · 100%
WireGo USA
Cross-border money movement, including remittances, conversion and settlement in the United States.
Remittances · FX · USA settlementExplore WireGo USA
LATAM · CROSS-BORDERVivo Group · 100%
VivoPay
Wallet and cross-border payments with conversion between crypto and fiat.
Payments · Wallet · Cross-borderExplore VivoPay
ONLINE BUSINESS · CASHOUTVivo Group · 50%
Speedcash
Card or USDT payments for online businesses, with conversion and settlement for merchants.
Cashout · Checkout · USDTExplore Speedcash
GLOBAL · RWAVivo Group · 100%
Tokenometrica
Tokenization of real-world assets and financial products: structuring, digital representation, metrics, valuation and lifecycle monitoring, connected to Vivo’s core.
Real-world assets · Financial products · TokenizationExplore Tokenometrica
Explore the rest of the ecosystem · 6 companies
CEMAC · EU/USAVivo Group · 33%
Wiredo
Connects the CEMAC ↔ EU/USA corridor alongside DJARABA and ON314, with an agent network and settlement.
CEMAC corridor · Agents · Fiat + cryptoExplore Wiredo
USA · LATAMVivo Group · 100%
LandBridge
Connects diaspora remittances with housing in the United States.
Real estate · On/off-rampExplore LandBridge
LATAMVivo Group · 70%
Vivo Roomie
Financial coordination embedded in the shared-housing experience.
Housing · Embedded FINOPSExplore Vivo Roomie
CORE · AI-NATIVEVivo Group · 100%
Vivo Technologies
Builds and operates the technology core connecting the portfolio’s financial capabilities.
AI-native · Ledger · Multi-tenantExplore Vivo Technologies
ECUADORVivo Group · 50%
Grupo Vivo Ecuador
The group’s company in Ecuador, focused on payments, wallets and incoming remittances.
E-wallet · SEDPE · RemittancesExplore Grupo Vivo Ecuador
ECOSYSTEMVivo Group · 25%
Wallo
An ecosystem company in which Vivo Group holds a 25% stake.
EcosystemEcosystem company
Composition, stakes and descriptions according to vivogroup.io. Portfolio membership does not imply that all products share the same deployment status or availability.
03 / PLATFORM & CAPABILITIES
One architecture.
Seven connected layers.
Explore the seven layers of the stack: payments, custody, USDC, USDT and tokenized assets connected to Vivo’s shared core.
VIVO TECHNOLOGIES / CORE AI-NATIVE07 CONNECTED LAYERS
L1Financial core
L1 / VIVO TECHNOLOGIES
Financial core
Manage balances and record transactions in local currency and virtual assets with a double-entry ledger, APIs and a multi-tenant foundation.
Double-entry ledgerAPIsMulti-tenant
Vivo Technologies · the portfolio’s shared core.
View integrationsL2Regulatory architecture
L2 / MULTI-JURISDICTION
Regulatory architecture
Define the framework for your product by entity, service and market. The architecture incorporates local compliance and strategic partners.
Local compliancePartnersOperational frameworks
Applicable scope depends on the entity, service and market.
View integrationsL3Custody
L3 / SEGREGATED
Custody
Organize digital assets with segregated wallets, approval policies and auditable records connected to the ledger.
Segregated walletsApprovalsTraceability
Connected to ledger, compliance and APIs.
View integrationsL4Ramps & settlement
L4 / FIAT + USDC + USDT
Ramps & settlement
Connect local currency with stablecoins such as USDC and USDT for collections, payments and settlement. Scope depends on the asset, network and market.
Fiat ↔ USDC / USDTConversionSettlement
Integration between digital assets and local banking systems.
Explore virtual assets ↓L5Card issuing
L5 / VISA PARTNER
Card issuing
Add physical or virtual cards connected to balances, limits and controls. The program is defined by product and market.
Physical cardsVirtual cardsLedger
Issuing and operations connected to compliance, ledger and APIs.
View integrationsL6Compliance and risk
L6 / BUILT-IN COMPLIANCE
Compliance and risk
Integrate identity verification, transaction monitoring and fraud detection into the user journey, from onboarding to transaction.
KYC / KYBAML / OFACTravel rule
Verification and risk management from onboarding to transaction.
View integrationsL7Intelligence layer
L7 / AI-NATIVE
Intelligence layer
Use operational and risk signals to configure scoring, rules, routing and alerts. Intelligence supports specific product decisions.
ScoringRoutingRules and alerts
Operational data and risk signals for configurable decisions.
View integrationsThe five foundations of the platform
Operations need a foundation you can understand.
ARCHITECTURE · OPERATIONS · CONTROLModular architecture
Connect modules through APIs and microservices, based on what the product needs.
Proprietary ledger
Keep balances and movements in a common source for recording and reconciliation.
Secure unified API
Integrate internal modules and external providers through a unified interface.
Configuration by vertical
Adapt rules, limits and workflows to each vertical’s operations.
Real-time dashboards
Review events and operational data to follow what happens in your product.
PROVIDERS & INTEGRATIONS
Specialist technology.
A connected foundation.
Identity, custody, banking, cards and intelligence: the stack brings together specialist providers for different functions.
View the remaining 14 integrations
The scope of each integration depends on the service and market. Trademarks belong to their respective owners.
04 / VIRTUAL ASSETS
Virtual assets,
built into the core.
From stablecoins to tokenized assets and financial products: compatibility built into the core, with wallets, a ledger, APIs and compliance on a shared foundation.
01 / STABLECOINS
USDC and USDT to move value.
Build stablecoins into your product’s collections, payments and settlement, with local-currency connectivity and transaction traceability.
Vivo Group Circle Partner02 / Tokenization / Tokenometrica
Assets and financial products, tokenized.
Tokenometrica is the group company dedicated to tokenizing assets and financial products. It connects structuring with metrics, valuation, traceability and lifecycle monitoring.
- 01Asset
- 02Structure
- 03Token
- 04Monitoring
Assets, networks and availability depend on the product, integration and jurisdiction.
Discuss my use case05 / REACH
Connections
across markets.
Vivo presents an ecosystem across LATAM, the United States and CEMAC. Each integration’s scope depends on the corridor, entity and service.
01 / USA
United States
Money movement and settlement. Remittance corridor to Ecuador.
View regulatory scope02 / LATAM
Latin America
Wallets, payments and incoming remittances, with group presence in Ecuador.
View regulatory scope03 / CEMAC
Central Africa
Connections to the EU / USA through Wiredo, its partners and agent network.
Discover partnershipsRegulatory scope published by Vivo
Statuses and descriptions from vivogroup.io. Corporate presentation; not independent verification of licenses or authorizations.
| JURISDICTION | PUBLISHED DESIGNATION | DESCRIBED SCOPE | PUBLISHED STATUS |
|---|---|---|---|
| El Salvador | VASP | Virtual asset services | Operational |
| Canada | MSB · FINTRAC | Registered money services | Operational |
| Florida · USA | MSB + MTL | Regulated on/off-ramp in the USA | Operational |
| Montana · USA | MSB · FinCEN | FX and digital assets — Wiredo LLC | Operational |
| Ecuador | SEDPE | Regulated payment entity | Operational |
| LATAM & Caribbean | Visa Partner | Issuing and acceptance | Operational |
Each corridor’s scope is defined by the applicable designation in each segment. Licenses, registrations and commercial relationships are presented under their original names.
Regulatory roadmap 2026–2027
VASP
El Salvador
MTL · USA
+5 states / quarter → 28 states
VASP
Argentina
VARA License
Dubai
Published expansion milestones. Their inclusion in a roadmap does not make them granted authorizations.
Alliances by market and corridor
07 / Partnerships
Every corridor needs
specific connections.
Operational, distribution and liquidity partners complement Vivo’s infrastructure in each market.
DJARABA S.L.
CEMAC license and agent network linked to the Wiredo corridor.
ON314 Payments
Settlement platform and FINTRAC MSB registration linked to the Wiredo corridor.
Sintel
Distribution for the wallet-as-a-service model in Ecuador.
Visa
Issuing and acceptance of physical and virtual cards, depending on the program.
Liquidity partners
Providers in Europe and Asia extending on/off-ramp connectivity.
06 / VIVO GROUP
Clear responsibilities.
A shared foundation.
Four entities organize the group’s technology, regulatory scope, project development and governance.
Vivo Holding
Licenses
Organizes the regulatory scope and designations applicable to the group’s services and markets.
Vivo Technologies
AI-native core
Develops and operates the technology core: wallets, ledger, APIs and shared financial capabilities.
Vivo Projects
Accelerator
Brings finance into projects whose main business is in another sector, through an equity stake in the project.
Vivo Governance
Governance
Oversees equity stakes and shared operations, with management reporting by vertical.
Vivo Projects
Your project can integrate finance.
It can also build with Vivo.
Vivo Projects is for products whose main business is not financial. The model combines shared infrastructure with an equity stake in the project.
- Published equity model: 20–40%.
- Financial capabilities embedded in product operations.
- Scope and terms defined for each project.
07 / INVESTORS
An institutional
conversation.
A reusable foundation connects the portfolio. If you are evaluating an investment or institutional relationship, request the documentation to review its structure, methodology and assumptions.
Request documentationPortfolio information published on the website
Figures from the public page consulted on 18 September 2026. The table reproduces its methodology and is not an independent valuation or the terms of a transaction.
| COMPANY | STAKE | PUBLISHED VALUATION | ATTRIBUTABLE PER WEBSITE | NEXT CASH CALL | SERIES | AMOUNT |
|---|---|---|---|---|---|---|
| WireGo USA | 100% | USD 5 M | USD 5 M | 06/27 | Series A | USD 5 M |
| Wiredo | 33% | USD 10 M | USD 3.3 M | 02/27 | Series B | USD 10 M |
| VivoPay | 100% | USD 14 M | USD 14 M | 06/27 | Series B | USD 10 M |
| Grupo Vivo Ecuador | 50% | USD 34 M | USD 17 M | 08/27 | Series A | USD 20 M |
| LandBridge | 100% | USD 2 M | USD 2 M | 02/27 | Series A | USD 1.2 M |
| Vivo Roomie | 70% | USD 19 M | USD 13.3 M | 06/26 | Series B | USD 15 M |
| Tokenometrica | 100% | USD 3.8 M | USD 3.8 M | 04/27 | Series A | USD 3 M |
| Speedcash | 50% | USD 1.8 M | USD 0.9 M | 01/27 | Series B | USD 1 M |
| Wallo | 25% | USD 5 M | USD 1.25 M | 03/27 | Series B | USD 7.5 M |
Published methodology: the sum of each company’s valuation multiplied by the group’s stake. Information as of 18 September 2026; contact the Vivo team for current status and terms.
08 / FREQUENT QUESTIONS
The essentials, clearly.
Do I need to integrate the entire stack?
Vivo’s offering includes integrated solutions and services by company. The assessment starts with the capability your product needs and the connections required to operate it.
Does working with Vivo mean giving up equity?
The website presents two paths: engaging services or submitting a project to Vivo Projects. The 20–40% stake belongs to the published Vivo Projects model; the framework is defined for each relationship.
Can I operate in any country?
Scope depends on the service, entity and market. Tell us where you want to operate so the applicable scope can be reviewed; the group’s presence in a region does not automatically enable every product.
How much does integration cost and how long does it take?
Timing and terms depend on scope. To start the conversation, describe your product, market and the capability you need to add.
What does it mean that Vivo is 100% native to virtual assets?
The core is designed around virtual assets: wallets, a ledger, APIs, custody and compliance controls. Compatibility for each integration depends on the asset, network and market.
How do USDC, USDT and Tokenometrica fit together?
USDC, from Circle, and USDT, from Tether, are stablecoins designed to maintain parity with the US dollar and can support payment and settlement flows. Tokenometrica works on the digital representation of assets and financial products, their rules and lifecycle monitoring. These are distinct functions connected to the same Vivo core.
09 / BUILD WHAT COMES NEXT
What does
your product need?
Tell us what you want to add and in which market. That is the starting point for assessing how Vivo fits.
Four details for a focused conversation. No deck attachment needed.
Prefer to email us directly?
hello@vivogroup.io ↗Your inquiry is ready to review.
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For investments or partnerships, email hello@vivogroup.io.