Fintech & wallets
Give every user a local account. Move their money in real time.
Connect supported collection, disbursement, FX and reporting workflows for eligible fintech use cases.
- CVU, CLABE, Pix key, CCI
- Real-time webhooks
- Payouts to banks and wallets
CVU, CLABE, Pix key, CCIVirtual account
Customer #000123
CLABE
646180 •••• •••• 4821
- SPEI · ref 7F2A009309:41MX$ 12,400.00Matched
- SPEI · ref 3B7Q021109:12MX$ 4,980.50Matched
- SPEI · ref 9A1C1189YesterdayMX$ 22,150.00Matched
Delivering results for global businesses
Market figures
Why digital accounts are the growth market
Public figures from official and industry sources. Each one links to its source.
70.8%
of adults in Brazil hold a digitally enabled account
Source: World Bank, Global Findex Database 2025 (dig.acc), 2024
53.0%
of adults in Mexico have an account — the rest is the opportunity
Source: World Bank, Global Findex Database 2025 (FX.OWN.TOTL.ZS), 2024
37.6%
of online sales value in Peru is paid with digital wallets
Source: Capece, Observatorio de Comercio Electrónico (as reported by El Comercio), H1 2026
Why Localpayment
The building blocks of a modern wallet
Funding, cash-outs, FX and compliance: what slows a wallet down in Latin America, solved on one integration and one balance.
A personal account number per user
No new banking partner and file format per market: issue a CVU, CLABE, Pix key, CCI, TEF account, Bre-B key or IBAN through one API. Each deposit is attributed to its user and announced by an HMAC-signed webhook, so you credit the balance instantly.
A personal account number per user —Cash-outs to banks and wallets
Send cash-outs to bank accounts on local rails over local rails and directly to Yape, SINPE Móvil and CCE wallets, or to wallets reachable by bank transfer, with alias verification before the funds leave.
Cash-outs to banks and wallets —Rate lock and multi-currency balances
Convert local balances to USD, EUR and other hard currencies within local market hours, lock the rate with a quote token and move funds between your own accounts. Fund your account with USDC or USDT on Ethereum and Tron.
Rate lock and multi-currency balances —A regulated counterparty in local currencies
Licensing, KYC and anti-money-laundering rules differ at every border. Localpayment has a licensed, registered or supervised presence in local currencies: you keep KYC on your users, we operate the rails under local rules.
A regulated counterparty in local currencies —
Talk to our sales team
Tell us your markets and volumes, and we’ll design the integration with you.
Recommended method mix
How users fund and cash out, country by country
A personal virtual account per user for top-ups, instant transfers as the fallback, and real-time payout rails for cash-outs. Only methods documented in our API are listed. Limits, speeds and cut-off times per method are on each country page.
Brazil
- br
Payin methods: Pix-key virtual account per user · Pix (QR and Copia e Cola). Payout rails: Pix 24/7 · TED.
Brazil —Mexico
- mx
Payin methods: CLABE virtual account (SPEI) per user · SPID USD account · Cards with 3D Secure. Payout rails: SPEI 24/7.
Mexico —Argentina
- ar
Payin methods: CVU virtual account per user · Debin · QR · Cards (Visa, Mastercard, Amex). Payout rails: COELSA transfers 24/7.
Argentina —Colombia
- co
Payin methods: Bre-B-key virtual account per user · PSE · Cards with 3D Secure. Payout rails: Bre-B key 24/7 · TransfiYa · ACH.
Colombia —Chile
- cl
Payin methods: TEF virtual account per user · ETPAY. Payout rails: TEF 24/7 up to CLP 7,000,000 · same-day above.
Chile —Peru
- pe
Payin methods: CCI virtual account (PEN and USD) per user · QR · Cards with 3D Secure. Payout rails: CCE real-time up to PEN 30,000 · LBTR above · Wallets (CCE, direct).
Peru —Costa Rica
- cr
Payin methods: SINPE virtual account (IBAN, CRC and USD) per user. Payout rails: SINPE Móvil 24/7 · SINPE transfers.
Costa Rica —
br
mx
ar
co
cl
pe
crMoney flow
From a top-up to a cash-out, with treasury in between
The three flows behind every wallet — funding, FX and withdrawal — on one integration and one balance.
- 1
UserYour wallet:
Signs up
You run KYC and call POST /api/virtual-account with a UUID external ID. The user receives a personal CVU, CLABE, Pix key, CCI or TEF account.
- 2
UserLocalpayment:
Tops up
The user transfers from their own bank to their account number. On Pix, SPEI, COELSA, TEF, CCE and Bre-B the deposit confirms in seconds, 24/7.
- 3
LocalpaymentYour wallet:
Signed webhook
The deposit arrives signed with HMAC-SHA256 and carries the user’s external ID. Verify the signature, then credit the balance.
- 4
LocalpaymentLocalpayment:
Local balance → hard currency
Convert within local market hours; lock the rate with a quote token when the amount is known. Move funds between your own accounts by internal transfer.
- 5
Your walletLocalpayment:
Requests a cash-out
POST /api/payout/ to a bank account or wallet, with one API call per payout. Alias verification checks the destination; double signature approves the release.
- 6
LocalpaymentUser:
Funds land
SPEI, Pix, COELSA, TEF, CCE and Bre-B pay out in real time; Yape, SINPE Móvil and CCE wallets are credited directly.
- 7
LocalpaymentYour treasury:
Treasury
Hold multi-currency balances, fund your account with USDC or USDT (Wire In) and withdraw hard currency to your own bank.
Real-time rails confirm in seconds, 24/7. Conversion happens within local market hours; the rate is locked with a quote token. Payouts can require a second signature before release.
For developers
Issue a personal account number
Create a virtual account for each user at sign-up, store the account number in their profile and listen for deposits by webhook. Verify every signature before you credit a balance.
- Your own externalId on every account; duplicates return HTTP 409
- Single or batch creation
- The same endpoint in every virtual-account market
# Example request — see docs.localpayment.com for the exact contract
curl -X POST https://api.stage.localpayment.com/api/virtual-account \
-H "Authorization: Bearer $ACCESS_TOKEN" \
-H "Content-Type: application/json" \
-d '{
"externalId": "7f3a9c21-0000-4000-8000-000000000215",
"accountNumber": "<your-account-number>",
"country": "ARG",
"beneficiary": {
"type": "INDIVIDUAL",
"name": "Valentina",
"lastname": "Suárez",
"document": { "type": "CUIL", "id": "27-00000000-0" }
}
}'Industry FAQ
Where is this solution available?
Coverage varies by product, payment method and market. Check Coverage & Network for the current details.
Which account types can my users get?
It depends on the country: CVU in Argentina, Pix key in Brazil, account numbers in Chile, Bre-B key in Colombia, IBAN in Costa Rica, CLABE in Mexico and CCI in Peru. Some markets also support USD accounts (SPID in Mexico, CCI USD in Peru, IBAN USD in Costa Rica).
How fast are top-ups credited?
On real-time rails, deposits confirm in seconds, 24/7, and we send a signed webhook as soon as the transfer is matched to the user’s account. Verify the HMAC-SHA256 signature before crediting the balance.
Are cash deposits supported?
No. Virtual accounts receive electronic transfers only; cash deposits are not credited.
Can users withdraw to wallets?
Yes. Direct wallet payouts are available to Yape in Bolivia, SINPE Móvil in Costa Rica and CCE wallets in Peru. Wallets can also be credited by bank transfer in Argentina, Brazil, Chile, Colombia, El Salvador and Mexico.
How do we protect cash-outs against errors and fraud?
Alias verification checks the destination account before the funds leave. Payouts can require a double signature, access is protected by MFA, RBAC and IP allow-listing, and every status change arrives as a signed webhook.
Which currencies can we convert to?
Local currencies convert to USD, EUR, GBP, CAD, AUD, NZD, CHF, USDC and USDT, within local market hours, with the rate locked by a quote token.
Can we fund our account with stablecoins?
Yes. Fund your Localpayment account with USDC or USDT on Ethereum or Tron (Wire In), credited about 2–10 minutes after network confirmation, and withdraw to allow-listed wallets (Wire Out). This is account funding for your business, not a crypto on/off ramp for your users.
Keep exploring
Virtual accounts
Personal local account numbers, reconciled automatically.
Virtual accounts —Payouts
Cash-outs to banks and wallets on local rails.
Payouts —FX & treasury
Multi-currency balances, rate lock and internal transfers.
FX & treasury —Coverage
local currencies with a licensed, registered or supervised presence.
Coverage —Payment methods by country
Every documented method with limits and speeds.
Payment methods by country —Checkout experiences
What the payer sees, method by method, country by country.
Checkout experiences —
Build your wallet on local rails
Account numbers, cash-outs and treasury through one API — with Stage credentials from the start of the partnership.