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Yativo Fiat is a cross-border payment infrastructure platform for businesses. Send money globally, receive deposits via local payment rails, issue virtual accounts to your customers, manage KYC/KYB compliance, and access multiple payment networks — all through a single unified API.

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What You Can Build

Accept Payments

Issue virtual accounts so customers can pay via local bank transfer, PIX, SPEI, SEPA, and more. Receive webhook notifications when funds arrive.

Send Money

Send cross-border payments to beneficiaries via local bank transfers, SPEI, ACH, SEPA, and LATAM rails. Lock exchange rates with quotes before executing.

Virtual Accounts

Issue dedicated local bank account numbers per customer for automatic payment matching and reconciliation.

Virtual Cards

Issue prepaid virtual Visa/Mastercard cards to your customers for online spending, funded from your wallet balance.

Wallets

Manage multi-currency wallet balances. Hold USD, EUR, BRL, CLP, MXN, COP, PEN, ARS and more.

Customers & KYC

Create and manage customer profiles. Submit KYC/KYB for compliance and unlock features like virtual accounts and virtual cards.

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How It Works

1

Create your account

Sign up at app.yativo.com. Authentication is passwordless — enter your email, receive a 5-digit OTP, and you’re in.
2

Complete Business KYC

Submit your company details, upload required documents, and verify your UBOs (Ultimate Beneficial Owners). This unlocks full API access.
3

Get your API credentials

Go to Developer → API Key in your dashboard. Generate your App Secret (PIN verification required). Note your Account ID.
4

Generate a Bearer token

Call POST /auth/login with your Account ID and App Secret to get a Bearer token (valid 10 minutes). Use this token in all API requests.
5

Start building

Create customers, issue virtual accounts, send money, and receive payments — all via the API.

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Supported Regions & Payment Rails

RegionCountriesRails
Latin AmericaBrazilPIX
Latin AmericaMexicoSPEI
Latin AmericaChile, Peru, Colombia, ArgentinaLocal bank transfer
North AmericaUnited StatesACH, Wire
EuropeEurozoneSEPA Credit Transfer
Contact your integration team for additional corridors not listed here.

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Key Concepts

ConceptDescription
CustomersEnd users your business serves. Must pass KYC before receiving virtual accounts or cards.
Virtual AccountsLocal bank account numbers assigned to a customer for receiving funds on specific rails.
BeneficiariesRecipients for outbound payments. Save their bank details for reuse.
WalletsYour multi-currency balance pools. Fund payouts from your wallet.
QuotesRate-locked exchange calculations valid for 5 minutes. Use quote IDs when executing payments.
WebhooksReal-time event notifications sent to your server (e.g. deposit completed, KYC approved).

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Environments

EnvironmentURL
Dashboardapp.yativo.com
Production APIhttps://api.yativo.com/api/v1
Sandbox APIhttps://smtp.yativo.com/api/v1

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Next Steps

Quickstart

Get your first payment working in under 10 minutes.

Authentication

Learn how to authenticate and secure your API calls.