# Transfero

> Shaping the future of finance

Transfero is a financial infrastructure company that connects banking, crypto, and payment rails for businesses in Latin America. It provides an API-based platform for cross-border payments, liquidity access, and stablecoin solutions.

Transfero is a financial infrastructure company that connects traditional banking rails with blockchain networks through a unified API. It supports cross-border payments, fiat and crypto on and off ramps, and liquidity access for businesses operating across multiple markets. The company focuses on Latin America, helping global companies move money into and out of the region while operating within a regulated framework.

At the center of its infrastructure is BRZ, a stablecoin pegged to the Brazilian real that functions as a liquidity layer between fiat and digital asset markets. BRZ supports settlement, trading, and capital movement across exchanges and platforms, letting businesses convert and move value between currency and crypto rails without relying on separate systems for each.

Transfero offers banking as a service and crypto as a service products that let companies embed local payment rails, accounts, and digital asset functionality into their own operations. It also provides a merchant checkout solution for accepting crypto payments with settlement in local currency, a consumer stablecoin account, and tools for issuing and managing tokenized real-world assets. Its infrastructure serves companies seeking to reach customers, process payments, and access liquidity across fiat and crypto markets in Latin America and beyond.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2015-01-01
- Profile: https://thegrid.id/profiles/transfero

## Products

- [Transfero BaaSiC](https://thegrid.id/profiles/transfero): Transfero BaaSiC is a banking-as-a-service platform that provides a single API connecting fiat and crypto payment rails for businesses operating in Brazil and abroad. It enables companies to create and manage local digital accounts, process Pix pay-ins and pay-outs, and handle wire transfers and identity verification without holding a local banking license. The platform is aimed at fintechs, payment processors, marketplaces, and crypto platforms seeking to embed compliant local payment operations. (Payments Infrastructure & Orchestration, Live, Main Product)
- [Transfero Payments](https://thegrid.id/profiles/transfero): Transfero Payments is a cross-border payment network that moves value between businesses through Pix, wire, crypto, and eFX currency-exchange rails. It orchestrates collection, foreign-exchange conversion, settlement, and local-currency payout across multiple countries through a single infrastructure layer branded as the Transfero Payments Network, connecting banking rails, stablecoin infrastructure, and liquidity providers. Companies operating in Latin America and beyond use it to send and receive funds internationally with predictable settlement times. (Payment network, Live)
- [Transfero Crypto](https://thegrid.id/profiles/transfero): Transfero Crypto is a crypto-as-a-service platform that provides custody, on/off ramps, swaps, and institutional trading services for digital assets. Businesses use it to store client crypto holdings, convert between fiat and crypto, move assets between wallets and exchanges, and execute large-volume institutional trades without operating their own blockchain infrastructure. The platform serves fintechs, exchanges, wallet providers, and financial institutions expanding into digital asset services, with custody, storage, and transfers powered through an institutional-grade custody partner. (Custodian, Live)
- [PanoramaCrypto](https://thegrid.id/profiles/transfero): PanoramaCrypto is a news and media publication that creates and distributes educational Web3 content through articles, interviews, and market analysis. It covers blockchain technology, cryptocurrency regulations, and DeFi developments with a focus on Brazil and Latin America. The publication operates as an independently branded outlet accessible to any reader. (News & Media, Live)
- [Transfero Payment Gateway](https://thegrid.id/profiles/transfero): Transfero Payment Gateway is a merchant payment gateway that lets retail and e-commerce businesses accept crypto and Pix payments at checkout. Customers pay through a QR code using crypto or Pix, and funds are automatically converted and settled to the merchant in local fiat currency. It is delivered as a checkout-page integration compatible with major e-commerce platforms and supports recurring billing and in-store payments. (Merchant Payment Gateway, Live)
- [Transfero Stablecoin Account](https://thegrid.id/profiles/transfero): Transfero Stablecoin Account is a self-custody digital wallet that lets individuals and small businesses hold, send, and receive stablecoins pegged to major fiat currencies alongside other digital assets. Users can buy, sell, and convert instantly between fiat and crypto, access a crypto portfolio, and move money across countries through a single account. It is aimed at individuals, digital nomads, and small and medium businesses seeking a global account for payments and transfers. (Wallet, Live)
- [Transfero Tokenization](https://thegrid.id/profiles/transfero): Transfero Tokenization is a real-world asset tokenization platform that lets institutional issuers and asset originators structure, issue, and distribute tokenized financial instruments such as private credit, digital bonds, and structured receivables. It manages the full lifecycle from structuring and pricing to custody and investor distribution through programmable infrastructure. Investment platforms use it to expand access to alternative and digital investment opportunities with regulated, compliant settlement. (RWA Tokenisation Platform, Live)
- [Transfero Academy](https://thegrid.id/profiles/transfero): Transfero Academy is a blockchain education initiative that provides structured, hands-on training in blockchain technology and digital assets. It is aimed at individuals and organizations seeking to build foundational knowledge of digital finance and Web3 concepts through curated courses and learning materials. The initiative operates as its own branded offering, distinct from Transfero's payment and custody products. (Education and Training, Live)

## Assets

- [Brazilian Digital Token (BRZ)](https://thegrid.id/profiles/transfero): BRZ is a BRL-pegged stablecoin issued by Transfero. It is used for cross-border payments, trading, and liquidity provision across decentralized finance protocols on multiple blockchains. Reserves are held on a 1:1 basis with the Brazilian Real, redeemable through regulated partners, with independent audits conducted by Parsiq confirming reserve backing. (Stablecoin)
- [Argentine Digital Token (ARZ)](https://thegrid.id/profiles/transfero): ARZ is an Argentine Peso-pegged stablecoin issued by Transfero. It is used for payments, remittances, and as a way for individuals and businesses to access global crypto markets while maintaining exposure to the local currency. The token's smart contract and audited reserves guarantee that every ARZ can always be exchanged 1:1 for ARS, providing a digital alternative to traditional banking for cross-border transactions. (Stablecoin)

## Links

- [Main](https://transfero.com)
- [Documentation](https://docs.transfero.com)
- [Privacy policy](https://transfero.com/policy-and-terms/privacy)
- [LinkedIn](https://linkedin.com/company/transfero-group)
- [Twitter / X](https://x.com/transferogroup)
- [Instagram](https://www.instagram.com/transferogroup)

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- [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
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- [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