Payments, wallets, cards and virtual assets on a shared foundation of technology and compliance. Without building the entire financial foundation from scratch.
Applications in our ecosystem
Circle PartnerRelationship with Circle
You build the product and the relationship with your users. Vivo connects payments, wallets, virtual assets and compliance through one financial core.
Explore the seven layers of the stack: payments, custody, USDC, USDT and tokenized assets connected to Vivo’s shared core.
Manage balances and record transactions in local currency and virtual assets with a double-entry ledger, APIs and a multi-tenant foundation.
Vivo Technologies · the portfolio’s shared core.
View integrationsDefine the framework for your product by entity, service and market. The architecture incorporates local compliance and strategic partners.
Applicable scope depends on the entity, service and market.
View integrationsOrganize digital assets with segregated wallets, approval policies and auditable records connected to the ledger.
Connected to ledger, compliance and APIs.
View integrationsConnect local currency with stablecoins such as USDC and USDT for collections, payments and settlement. Scope depends on the asset, network and market.
Integration between digital assets and local banking systems.
Explore virtual assets ↓Add physical or virtual cards connected to balances, limits and controls. The program is defined by product and market.
Issuing and operations connected to compliance, ledger and APIs.
View integrationsIntegrate identity verification, transaction monitoring and fraud detection into the user journey, from onboarding to transaction.
Verification and risk management from onboarding to transaction.
View integrationsUse operational and risk signals to configure scoring, rules, routing and alerts. Intelligence supports specific product decisions.
Operational data and risk signals for configurable decisions.
View integrationsConnect modules through APIs and microservices, based on what the product needs.
Keep balances and movements in a common source for recording and reconciliation.
Integrate internal modules and external providers through a unified interface.
Adapt rules, limits and workflows to each vertical’s operations.
Review events and operational data to follow what happens in your product.
Your interface connects with the user. APIs and the ledger coordinate financial capabilities and their providers.
The app or platform is the entry point to the experience you want to offer.
APIs, the ledger and controls connect payments, accounts, cards and custody.
Operations connect with banks, networks and providers according to the service and jurisdiction.
SECURITY · OBSERVABILITY · AUDIT
Identity, custody, banking, cards and intelligence: the stack brings together specialist providers for different functions.
The scope of each integration depends on the service and market. Trademarks belong to their respective owners.
From stablecoins to tokenized assets and financial products: compatibility built into the core, with wallets, a ledger, APIs and compliance on a shared foundation.
Build stablecoins into your product’s collections, payments and settlement, with local-currency connectivity and transaction traceability.
Vivo Group Circle PartnerTokenometrica is the group company dedicated to tokenizing assets and financial products. It connects structuring with metrics, valuation, traceability and lifecycle monitoring.
Assets, networks and availability depend on the product, integration and jurisdiction.
Discuss my use caseA shared financial foundation connects remittances, collections, wallets and tokenization. Meet the companies bringing each capability to a use case.
Cross-border money movement, including remittances, conversion and settlement in the United States.
Wallet and cross-border payments with conversion between crypto and fiat.
Card or USDT payments for online businesses, with conversion and settlement for merchants.
Tokenization of real-world assets and financial products: structuring, digital representation, metrics, valuation and lifecycle monitoring, connected to Vivo’s core.
Connects the CEMAC ↔ EU/USA corridor alongside DJARABA and ON314, with an agent network and settlement.
Connects diaspora remittances with housing in the United States.
Financial coordination embedded in the shared-housing experience.
Builds and operates the technology core connecting the portfolio’s financial capabilities.
The group’s company in Ecuador, focused on payments, wallets and incoming remittances.
An ecosystem company in which Vivo Group holds a 25% stake.
Composition, stakes and descriptions according to vivogroup.io. Portfolio membership does not imply that all products share the same deployment status or availability.
Vivo presents an ecosystem across LATAM, the United States and CEMAC. Each integration’s scope depends on the corridor, entity and service.
Money movement and settlement. Remittance corridor to Ecuador.
View regulatory scopeWallets, payments and incoming remittances, with group presence in Ecuador.
View regulatory scopeConnections to the EU / USA through Wiredo, its partners and agent network.
Discover partnershipsStatuses 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.
El Salvador
+5 states / quarter → 28 states
Argentina
Dubai
Published expansion milestones. Their inclusion in a roadmap does not make them granted authorizations.
Operational, distribution and liquidity partners complement Vivo’s infrastructure in each market.
CEMAC license and agent network linked to the Wiredo corridor.
Settlement platform and FINTRAC MSB registration linked to the Wiredo corridor.
Distribution for the wallet-as-a-service model in Ecuador.
Issuing and acceptance of physical and virtual cards, depending on the program.
Providers in Europe and Asia extending on/off-ramp connectivity.
Four entities organize the group’s technology, regulatory scope, project development and governance.
Organizes the regulatory scope and designations applicable to the group’s services and markets.
Develops and operates the technology core: wallets, ledger, APIs and shared financial capabilities.
Brings finance into projects whose main business is in another sector, through an equity stake in the project.
Oversees equity stakes and shared operations, with management reporting by vertical.
Vivo Projects is for products whose main business is not financial. The model combines shared infrastructure with an equity stake in the project.
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 documentationFigures 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.
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.
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.
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.
Timing and terms depend on scope. To start the conversation, describe your product, market and the capability you need to add.
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.
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.
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.
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For investments or partnerships, email hello@vivogroup.io.
