# CiNKO > Your money, free and borderless with CiNKO CiNKO is a digital payments company offering a wallet for USD and crypto. It serves freelancers and remittance users in Latin America with deposits, transfers, payments, and card services. CiNKO is a digital payments company that provides a mobile wallet for managing USD and digital assets across Latin America. The platform lets users deposit funds, send peer-to-peer transfers, convert between crypto and fiat, and spend through a linked payment card. It is built for freelancers and people who send or receive cross-border remittances, groups that are often underserved by traditional banking. The platform addresses the friction of moving money across borders in Latin America, where currency conversion, banking access, and transfer costs can be significant barriers. CiNKO connects to users' local banks while relying on blockchain rails and stablecoins to settle transactions, aiming to keep transfer fees low. It also offers yield-generating savings options backed by a mix of money market instruments and digital asset strategies, and provides access to physical and virtual card issuance linked to wallet balances. Beyond its consumer wallet, CiNKO offers infrastructure services such as virtual USD accounts, cash network access through partner locations, and local payment method connectivity across several Latin American and Caribbean markets. These offerings support individuals managing personal remittances as well as businesses seeking to collect and disburse funds regionally. The company is regulated in the jurisdiction where it is licensed to provide digital asset services. - Type: Company - Sector: Payments - Status: Active - Founded: 2022-05-01 - Profile: https://thegrid.id/profiles/cinko ## Products - [CiNKO Digital Wallet](https://thegrid.id/profiles/cinko): CiNKO Digital Wallet is a mobile app that lets consumers hold a USD balance alongside cryptocurrencies and convert between them. Users fund accounts through bank transfers, cash deposits at partner locations, or crypto transfers, then swap assets, send peer-to-peer payments, or spend directly with an attached Visa card accepted at merchants worldwide. The app also offers optional yield strategies that let users earn returns on idle USD-denominated balances, with the strategy selected determining the risk and return profile. It is aimed at individuals in Latin America seeking dollar exposure, everyday spending, and low-friction access to digital assets. (Wallet, Live, Main Product) - [CiNKO Enterprise](https://thegrid.id/profiles/cinko): CiNKO Enterprise is a business-facing stablecoin infrastructure platform that lets companies embed digital dollar accounts, card issuance, and payment rails into their own products through a single API. It provides stablecoin wallets, virtual USD accounts with local routing details, card issuance backed by stablecoin balances, and cash network access for deposits and withdrawals across partner locations. Businesses use it to offer their customers dollar-denominated accounts and spending tools without building the underlying custody, compliance, and settlement infrastructure themselves. (Financial Services Platform, Live) ## Links - [Main](https://cinko.io) - [Blog](https://cinko.io/blog) - [Terms of Service](https://cinko.io/terms-conditions) - [Privacy policy](https://cinko.io/privacy-policy) - [Twitter / X](https://x.com/cinkoio) - [Facebook](https://www.facebook.com/CiNKO.IO) - [LinkedIn](https://www.linkedin.com/company/cinkoio) - [Instagram](https://www.instagram.com/cinko.io) - [TikTok](https://www.tiktok.com/@cinko.io) ## Legal This data is provided under two licensing models. Model 1 - open data. 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