# Ripio

> Leading crypto adoption in LATAM

Ripio is a cryptocurrency exchange and financial infrastructure company serving Latin America. It offers trading, wallet, card, and stablecoin services for individuals and businesses across multiple countries.

Ripio is a cryptocurrency exchange and financial infrastructure company serving individuals, businesses, and institutions across Latin America. It offers a consumer wallet and trading app, a payment card, an over-the-counter desk for institutional clients, and business-facing APIs that let banks and fintechs embed crypto buying, selling, and payments into their own platforms. The company operates under regional licenses and pairs its consumer offering with infrastructure aimed at institutional counterparties.

A core part of its infrastructure is wFiat, a suite of stablecoins pegged one to one to local currencies across several Latin American markets, supporting virtual accounts, payments, and yield generation on a single stack. Ripio also pursues tokenization of financial assets to broaden liquidity and market access. Its systems undergo recognized service organization control audits, and it operates under active licenses across the jurisdictions it serves.

Ripio partners with regional financial and technology platforms to extend crypto access to their existing user bases, including stablecoin issuance and in-app crypto purchases with a large e-commerce and payments group, and crypto functionality embedded into a traditional financial institution's banking app. Its products serve retail users buying and holding digital assets, as well as banks, fintechs, and large institutional clients relying on its liquidity and custody infrastructure across multiple markets.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2013-01-01
- Profile: https://thegrid.id/profiles/ripio

## Products

- [Ripio App](https://thegrid.id/profiles/ripio): Ripio App is a self-custody cryptocurrency wallet that lets individuals buy, sell, hold, and manage digital assets and local-currency stablecoins from a mobile application. It provides an integrated Visa card for spending crypto balances with cashback rewards, and connects deposited assets to third-party protocols so users can earn yield without leaving the app. Users in Latin America also access peer-to-peer transfers, QR payments, and direct crypto trading against fiat within the same account. The app consolidates buying, spending, and earning into a single interface rather than separate standalone products. (Wallet, Live, Main Product)
- [Ripio Trade](https://thegrid.id/profiles/ripio): Ripio Trade is a centralized exchange platform offering professional trading tools, API connections, and access to digital assets paired with fiat and stablecoins across Latin America. (Centralised Exchange, Live)
- [Ripio Crypto as a Service](https://thegrid.id/profiles/ripio): Ripio Crypto as a Service is a B2B payments infrastructure platform that provides APIs for companies to embed cryptocurrency buying, selling, sending, and receiving into their own products. It uses multi-party computation technology to generate unique deposit addresses and secure custody for end users, alongside built-in KYC and compliance workflows. Wallets, exchanges, and fintech platforms use the service to launch crypto features without building blockchain infrastructure themselves. (Payments Infrastructure & Orchestration, Live)
- [Ripio OTC](https://thegrid.id/profiles/ripio): Ripio OTC is an over-the-counter trading desk that facilitates large-volume cryptocurrency and fiat transactions for institutions, traders, and high-net-worth clients. It negotiates pricing directly with counterparties and settles trades bilaterally, avoiding public order book exposure. The desk supports use cases such as vendor payments, regional treasury management, and mass payouts across multiple jurisdictions. (OTC, Live)
- [Ripio wFiat](https://thegrid.id/profiles/ripio): Ripio wFiat is a stablecoin issuance and virtual-account infrastructure platform that lets businesses integrate local-currency-pegged tokens and bank-linked accounts into their own products. It issues stablecoins pegged one-to-one to Latin American fiat currencies, backed by liquidity in major dollar-pegged stablecoins, and provides API access to virtual accounts connected to local banking rails. Fintechs, wallets, and exchanges use the platform to offer fiat-to-crypto conversion, cross-border settlement, and yield-bearing balances without building banking or issuance infrastructure themselves. (Stablecoin Issuer, Live)

## Assets

- [Ripio Coin (RPC)](https://thegrid.id/profiles/ripio): RPC is the utility token of Ripio, a crypto platform serving Latin America. Users earn RPC through trading, referrals, and account activity, and redeem it for fee discounts and loyalty rewards across the Ripio app and Ripio Trade exchange. Its rewards model ties token accumulation directly to platform engagement rather than open market speculation. (Utility)
- [wARS (WARS)](https://thegrid.id/profiles/ripio): wARS is a stablecoin issued by Ripio pegged 1:1 to the Argentine peso. It is used for on-chain payments, remittances, and DeFi strategies across multiple blockchains. Published local accountant attestations verify its fiat backing, and Chainlink price feeds combined with Morpho, Aave, and CapyFi integrations support lending and yield use cases. (Stablecoin)
- [wBRL (WBRL)](https://thegrid.id/profiles/ripio): wBRL is a stablecoin issued by Ripio pegged 1:1 to the Brazilian real. It is used for on-chain payments, remittances, and DeFi strategies across multiple blockchains. Published local accountant attestations verify its fiat backing, and Chainlink price feeds combined with Morpho, Aave, and CapyFi integrations support lending and yield use cases. (Stablecoin)
- [wMXN (WMXN)](https://thegrid.id/profiles/ripio): wMXN is a stablecoin issued by Ripio pegged 1:1 to the Mexican peso. It is used for on-chain payments, remittances, and DeFi strategies across multiple blockchains. Published local accountant attestations verify its fiat backing, and Chainlink price feeds combined with Morpho, Aave, and CapyFi integrations support lending and yield use cases. (Stablecoin)
- [wCOP (WCOP)](https://thegrid.id/profiles/ripio): wCOP is a stablecoin issued by Ripio pegged 1:1 to the Colombian peso. It is used for on-chain payments, remittances, and DeFi strategies across multiple blockchains. Published local accountant attestations verify its fiat backing, and Chainlink price feeds combined with Morpho, Aave, and CapyFi integrations support lending and yield use cases. (Stablecoin)
- [wPEN (WPEN)](https://thegrid.id/profiles/ripio): wPEN is a stablecoin issued by Ripio pegged 1:1 to the Peruvian sol. It is used for on-chain payments, remittances, and DeFi strategies across multiple blockchains. Published local accountant attestations verify its fiat backing, and Chainlink price feeds combined with Morpho, Aave, and CapyFi integrations support lending and yield use cases. (Stablecoin)
- [wCLP (WCLP)](https://thegrid.id/profiles/ripio): wCLP is a stablecoin issued by Ripio pegged 1:1 to the Chilean peso. It is used for on-chain payments, remittances, and DeFi strategies across multiple blockchains. Published local accountant attestations verify its fiat backing, and Chainlink price feeds combined with Morpho, Aave, and CapyFi integrations support lending and yield use cases. (Stablecoin)

## Links

- [Main](https://www.ripio.com)
- [Terms of Service](https://terms.ripio.com)
- [Blog](https://launchpad.ripio.com)
- [Documentation](https://help-mx.ripio.com)
- [Twitter / X](https://x.com/RipioApp)

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