Last-mile infrastructure · LatAm

Move money across the hardest rails in LatAm.

Bank-grade last-mile infrastructure for the toughest markets in LatAm. The first block of your banking core: one integration, without rebuilding your local operations.

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cURL Node Python

# Create a payment (signed, idempotent)
curl https://api.alibanca.com/v2/payments \
  -H "x-api-key: sk_live_..."  \
  -H "idempotency-key: 8f2c..." \
  -H "x-signature: RSA-SHA256 ..." \
  -d '{
    "amountMinor": "150000",
    "currency": "USD",
    "rail": "instant",
    "beneficiary": "bnf_9Zk4..."
  }'

// Create a payment (signed, idempotent)
import { Alibanca } from "@alibanca/sdk";
const alibanca = new Alibanca(apiKey);

await alibanca.payments.create(
  {
    amountMinor: "150000",
    currency: "USD",
    rail: "instant",
    beneficiary: "bnf_9Zk4...",
  },
  { idempotencyKey: "8f2c..." },
);

# Create a payment (signed, idempotent)
from alibanca import Alibanca
client = Alibanca(api_key="sk_live_...")

client.payments.create(
    amount_minor="150000",
    currency="USD",
    rail="instant",
    beneficiary="bnf_9Zk4...",
    idempotency_key="8f2c...",
)

Built like a bank

Reconciliation + duplicate prevention

Settlement traceability

Asymmetric signing & idempotency

The product

A bank's core, block by block, in your stack. Built API-first.

01 · Money-safety

Bank-grade

Double-entry, duplicate prevention, and first-class reconciliation states. The money discipline a bank demands, exposed as an API.

02 · Stance

Allied with banks

We work with banks, inside the system and not around it. Real rails underneath, a clean contract on top.

No logos · no names · no license claims

03 · Integration

One integration

Asymmetric signing, idempotency, and poll + signed webhook. Integrate once and reach where the rails are hard.

How it works

You sign. The ledger posts. You reconcile against the truth.

A signed contract

Integrate once. Asymmetric signing and idempotency: every request is non-repudiable and retry-safe.

The double-entry ledger

Every movement posts to the ledger, the source of truth. We dispatch to the rail; not a cent is created or lost.

First-class reconciliation

Poll + signed webhook. You know the real state against the balance, even when the bank doesn't respond.

GET /v2/payments/pay_7Qm2… 200 OK

Unknown Reconciling

{
  "id": "pay_7Qm2...",
  "state": "unknown",
  "subStatus": "reconciling",
  "amountMinor": "150000",
  "currency": "USD",
  "rail": "instant",
  "idempotencyKey": "8f2c..."
}

signed webhook + poll no double payment

Moving money to the region's hardest markets shouldn't cost you a fragile integration for every corridor. We're building the rails — bank-grade money-safety, one API contract — so you can build your product on top.

The stack

You start by moving money. You end up
a bank, by API.

Move money

Last-mile payment disbursement, with bank-grade money-safety.

Multi-bank orchestration

One contract; several banks behind the same integration.

Banking core

Double-entry ledger —the base, already live—; accounts and reconciliation as API.

Credit

The lending engine, built. API on the way.

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Building something that needs to move money in LatAm?

Tell us what you move. We'll reach out to get you started.

Read the docs →