# EFY Finance

> Capital in Motion

EFY Finance is a regulated cross-border payments platform for Latin America. It lets individuals and businesses move, convert, and hold money across countries through multi-currency accounts, a digital wallet, and payment cards.

EFY Finance is a regulated financial infrastructure company serving Latin American individuals and businesses that operate across borders. It combines traditional payment rails with digital asset technology to let users receive, convert, and send money between countries, offering multi-currency accounts, a digital wallet, and payment cards for everyday and corporate spending. The platform is aimed at people and companies that need to move capital across multiple markets without opening separate accounts in each destination.

The company addresses the delays and costs typical of cross-border banking in emerging markets by settling transfers to local accounts within hours rather than days. Payments move through a conversion process between local currencies and stablecoins, with the applicable rate and fee disclosed before a transaction is confirmed. EFY operates as a licensed digital asset service provider and applies anti-money laundering and know-your-customer controls to its transactions.

Its product range spans personal and business multi-currency accounts, a digital wallet for balances and transfers, and the EFY Card for global spending, alongside treasury tools such as segregated dollar sub-accounts for companies. The platform supports settlement to accounts across a range of countries in the region. It is used by individuals managing international finances as well as importers, exporters, and corporate treasury teams handling cross-border payments and collections.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2019-01-01
- Profile: https://thegrid.id/profiles/efy_finance

## Products

- [EFY Finance Platform](https://thegrid.id/profiles/efy_finance): EFY Finance Platform is a multi-currency financial platform for individuals and businesses providing USD accounts, international transfers, currency exchange between stablecoins and local currencies and remittance services with full transaction traceability. Business accounts include multi-user access, corporate KYC, API integrations, and higher transaction limits with services delivered through partner regulated entities and segregated fund management. (Neobank, Live, Main Product)
- [EFYCard](https://thegrid.id/profiles/efy_finance): EFYCard is a physical and virtual Visa payment card that lets EFY Finance users spend their account balance globally with automatic conversion at the point of sale. It offers spending controls including customizable limits, instant activation and freezing, and real-time transaction tracking through the EFY app. Users request both virtual and physical versions for everyday purchases, online subscriptions, and international travel expenses. (Card, Live)
- [EFY Finance Business](https://thegrid.id/profiles/efy_finance): EFY Finance Business is a corporate treasury platform that provides companies with multi-currency accounts, global supplier payments, international collections, FX conversion, and treasury management from a single dashboard. Businesses gain multi-user access, corporate identity verification, API integrations, and higher transaction limits than individual accounts, along with a dedicated business card for international spending. The platform is used by companies operating across multiple countries to centralize cross-border payments and reduce reliance on separate banking relationships in each market. (Neobank, Live)

## Assets

- [EFY Token (EFY)](https://thegrid.id/profiles/efy_finance): EFY is the utility token of EFY Finance, a neobank platform serving Latin America. It is used for staking rewards, governance participation, and to receive exclusive discounts on fees and higher returns on fixed-term investments. The platform aims to transform the financial landscape of Latin America by providing innovative and accessible solutions that integrate digital asset services and smart investments. (Utility)

## Links

- [Main](https://www.efyfinance.com)
- [Documentation](https://docs.efy.finance)
- [Blog](https://www.efyfinance.com/news)
- [Privacy policy](https://cdn.prod.website-files.com/687ec7fcf946e441ab7f6e3e/689d6511df301807467f1e4c_Politica%20de%20Privacidad%20de%20Datos%20(Abreviada%20EFY)%20V.1%20.pdf)
- [Terms of Service](https://www.efyfinance.com/terminosycondiciones)
- [Twitter / X](https://x.com/EfyFinance)
- [Instagram](https://instagram.com/efyfinance)
- [LinkedIn](https://linkedin.com/company/efyfinance)
- [Telegram](https://t.me/efy_finance)
- [YouTube](https://www.youtube.com/@efyfinance)
- [Facebook](https://www.facebook.com/EfyFinance)
- [Medium](https://medium.com/@efy_finance)
- [TikTok](https://tiktok.com/@efy_finance)
- [Threads](https://www.threads.com/@efyfinance)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP