Prometeo is a leading fintech infrastructure platform that provides a unified, secure API for agentic banking, financial data access, bank account validation, payments, and cross-border operations across the Americas. By simplifying complex banking processes, Prometeo enables businesses to scale their operations between the United States and Latin America without the friction of failed payments, slow onboarding, or isolated bank integrations. The platform unifies account validation, payments, and treasury management into a single, cohesive infrastructure layer designed for seamless regional scalability.

Prometeo's functionality centers on bridging the gap between intelligent agents or applications and core financial systems. It allows businesses to automate financial operations, manage treasuries, and conduct transactions with transparency and high security. The architecture is built to support companies in various sectors, including banking, payment gateways, e-commerce, and lending, by providing the necessary tools to handle complex, cross-border financial tasks efficiently.

Some of the key features are:

• Agentic Banking Infrastructure: Connects artificial intelligence directly with financial systems to enable autonomous account management, payment execution, and treasury operations.
• Borderless Banking: Facilitates international payments and multi-country account administration, eliminating intermediaries and manual processes.
• Account Validation: Provides real-time API-based verification of bank account ownership and status, significantly reducing fraud and transaction errors.
• Pan-regional Coverage: Supports operations across diverse banking systems in countries including Mexico, Brazil, Peru, and expanding into the United States, Argentina, and Colombia.
• High Security Standards: Operates under ISO 27001 certification, employing two-factor authentication and encrypted connections without storing sensitive bank credentials.
• Unified Reporting: Offers a single dashboard for operational visibility and audit-ready reporting, making it easier for finance teams to track transactions and reconcile accounts.

The system is designed to be highly interoperable, acting as a middleware that standardizes communication between disparate banking protocols and modern application interfaces. Users leverage Prometeo's API to integrate banking capabilities directly into their own products, allowing for a white-label experience where end-users interact with familiar interfaces while the backend handles the complex underlying financial routing. The platform supports high-volume operations and is engineered to be resilient, providing developers with clear documentation and a robust sandbox environment for testing.

Some common use cases include:

• Bank-to-Bank Payments: Allowing e-commerce platforms and marketplaces to receive payments directly from customer bank accounts, reducing reliance on credit card processing and minimizing chargebacks.
• Automated Payroll: Enabling companies to execute mass payouts to employees and contractors in different countries with full traceability and compliance.
• Lending and Credit: Automating the KYC and KYB processes by verifying account ownership and activity during the loan application stage to ensure secure disbursements.
• Corporate Treasury: Providing businesses with a consolidated view of their regional accounts and automating cross-border transfers to optimize liquidity management.