Cross-border · Vivo Group

Cross-border money movement.

Send, receive, convert and settle across borders — fiat and crypto through one infrastructure layer.

Talk to our team Explore the platform
Fiat + crypto Regulated rails Stateful settlement
Wirego core Infrastructure node · online
Send Receive FX Convert Settle Ramp
WIREGO.IO // INFRASTRUCTURE NODE SYS.STATUS: ONLINE

Global operations

In motion

Global operations

USD 8,462,185,219

An illustrative view of value moving through the Wirego rail.

Funds enter from an approved source.

§ 01 The problem

Moving money across borders is still slow, expensive and opaque.

Slow

Long transit times driven by multiple correspondent intermediaries and restricted banking hours.

Expensive

Hidden FX spreads and cumulative fees charged by each node in the international transfer chain.

Opaque

No real-time traceability. Funds disappear into the SWIFT system without predictable arrival confirmation.

Fragmented

Fiat and crypto systems operate in separate silos, requiring inefficient on- and off-ramps.

The solution

One rail that moves value across borders.

Wirego brings fiat and crypto together on regulated rails, establishing an institutional standard for global value transfer.

Send
Receive
Convert
Settle
System status Confirmed

§ 02 How it works

From origin to beneficiary, through a controlled flow.

Our system provides secure, regulated routing at every segment of the transaction, supporting institutional compliance.

BSA · OFAC · Travel Rule applied across every segment
01

Onboarding & KYC

Thorough identity verification and customer due diligence at entry.

02

Conversion / Ramp

Asset conversion with transparent rates and immediate execution.

03

Regulated routing

Route optimization aligned with local and international requirements.

04

Settlement

Final delivery to the beneficiary with cryptographic confirmation.

§ 03 Product · Capabilities

Every value movement,
in one platform.

Layer 01 · Value

Multi-currency

Fiat + crypto. Accounts and balances across currencies and digital assets.

Ramp

Integrated on/off-ramp across LATAM, the US, Europe and Asia.

FX

Exchange inside the flow. Embedded currency conversion without leaving the platform.

Layer 02 · Control core

Custody

Balance custody with an auditable double-entry ledger.

Wallet / Ledger

Wirego infrastructure node

Settlement

Stateful settlement with end-to-end transfer traceability.

Layer 03 · Access

Integration

API for users and providers, with API and webhook connectivity.

OTC Desk

AI-accelerated OTC execution.

Institutional OTC

A dedicated desk for large-volume transactions.

§ 04 Compliance & licenses

The regulatory backbone.

Our infrastructure operates under a rigorous multi-jurisdictional compliance framework, providing a solid legal foundation for global institutional operations.

Active regulatory nodes Regulatory coverage overview
Wirego regulatory entities, jurisdictions, licenses and enabled services.
Entity Jurisdiction License Enables
Wirego LLC Montana, USA MSB US transactional operations
Vivo Holding El Salvador VASP Custody and settlement of digital assets
Vivo Holding Ecuador SEDPE Electronic payments and local transfers
Wirego LLC Florida, USA MSBMTL Money transmission and MSB services
Vivo Holding Canada MSB Regulated money services (FINTRAC)
Vivo Holding LATAM Visa Partner Card issuance and regional processing

§ 05 On/off-ramp coverage

80% of LATAM and the Caribbean, all of the US, Europe and Asia.

Direct activity within the licensed perimeter; extended reach through regulated partners and liquidity providers.

01

LATAM & Caribbean (80%)

Core market: proprietary VASP and SEDPE licenses, plus the Visa network.

02

US (full coverage)

Montana MSB and Florida MSB + MTL, extended through regulated partners.

03

Europe (regulated network)

On/off-ramp through partners and locally licensed liquidity providers.

04

Asia (regulated network)

On/off-ramp through partners and locally licensed liquidity providers.

Direct rails Extended reach via partners
Wirego global coverage A geographically recognizable world map showing direct rails in the Americas and regulated partner reach into Europe and Asia. USA LATAM & CARIBBEAN EUROPE ASIA
Regulated network online

§ 06 For institutions and businesses

Vaults, orchestration and tailored micro-ecosystems.

NODE 01

Institutional-grade vaults

Dedicated custody

  • Dedicated security environment with continuous availability.
  • Protected by Coincover — theft insurance and key recovery.
  • Segregated custody, isolating funds by client and provider.
  • Direct API access to vaults.
Secure storage
CENTRAL NODE

Payment & collection orchestration

The same rules for fiat and crypto

  • Outbound payments: disbursement, scheduling, recurrence and approvals.
  • Incoming collections: payment links and automated reconciliation.
  • Routing by corridor and asset — fiat or crypto.
  • One orchestration layer configured by the client.
Active routing
NODE 03

Wirego Canopy

Corporate micro-ecosystem

  • A closed-loop environment between clients and providers.
  • Reduced counterparty risk through prefunding and controlled settlement.
  • Visa Corporate cards for payroll, travel and purchases.
  • Managed and monetized as a product.
Closed ecosystem

§ 07 Platform & service

Complete self-service, backed by a human desk.

Web application · wirego.io Digital self-service infrastructure

Operations & statuses

Manage and pay operations in real time. Track every transactional state.

Counterparties

Onboard and offboard suppliers and clients. Manage authorized counterparties.

Documents & certificates

Proofs and sworn statements, plus issuance of KYC/KYT certificates.

Dedicated service channel Human service layer

Operations desk

Real-time transactional support, incident resolution and flow monitoring.

Account officer

Strategic guidance, escalation and commercial relationship management.

Wirego infrastructure group · system stable

§ 08 Stack & partners

Built with first-tier partners.

Technology, security & compliance
FireblocksCoincoverSumsubEllipticFormanceAnthropic
Wirego Core engine
VisaCross RiverChaseCitizens BankDC BankBridge
Banking, rails & settlement

§ 09 OTC Desk · AI-accelerated

AI-accelerated transactions

Our OTC desk routes each operation toward deeper liquidity, greater speed and minimal depeg across leading stablecoins, digital assets and trusted networks.

Liquidity

Finds the deepest market available for each route.

Speed

AI-accelerated execution in the shortest viable window.

Minimal depeg

Minimizes stablecoin deviation from its peg.

Institutional routing engineSystem active
EVAL NODE
OPTIMIZED
Scope: leading stablecoins and digital assets across trusted networks.

§ 10 Regulatory roadmap

MTL and MSB across the 28 most crypto-friendly states.

From December onward, +5 states per quarter until reaching MTL and MSB coverage across the 28 most crypto-friendly US states.

United States regulatory expansion roadmap A stylized map of the United States with an illustrative phased path toward 28 states. PHASED REGULATORY EXPANSION 28-STATE TARGET
08 / 28 Initial footprint

Vivo ecosystem

Wirego in the Vivo ecosystem.

A Vivo Group Inc. company, powered by Vivo Technologies. Wirego shares core infrastructure, compliance and licenses with the group, while every vertical hardens the same production foundation.

Vivo TechnologiesVivoPayLandBridgeVivoRommieWalloTokenometrica
Wirego
Group licenses · Vivo Holding
MSB MontanaMSB + MTL FloridaVASP El SalvadorMSB FINTRAC CanadaSEDPE EcuadorVisa Partner LATAM/Caribbean
Powered by Vivo Technologies
Proprietary financial coreAI-nativeProduction-provenWallet & custodyDouble-entry ledgerKYC/AML & screeningTreasury & liquidityOn/off-rampMulti-tenant

Part of Vivo Group

Wirego is a Vivo Group company.

A venture lab that builds and invests in fintechs on a regulated, shared and reusable foundation. Backed by Milton Holding LLC as founder VC.

Layer 03 · Portfolio
VivoPayWiregoLandBridge
Layer 02 · Middleware Shared and reusable infrastructure.
Layer 01 · Foundation Regulated foundation.
WireGo

Move value without borders.

Fiat + crypto Native compliance Stateful settlement
hola@wirego.io app.wirego.io

§ 11 Open an account

Start operating with Wirego.

Reach us through your preferred channel or leave your details and we’ll contact you. KYC/KYB verification is part of onboarding.

Talk to us now

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Or leave your details

Documentation required for onboarding

Company (KYB)

  • Incorporation documents / current bylaws
  • Tax ID and commercial registry
  • Company proof of address
  • Ownership structure and beneficial owners (UBO ≥ 25%)
  • Business activity and source / use of funds

Legal representative / signatory

  • Valid ID of the legal representative
  • Power of attorney or authorization for the signatory
  • Representative’s proof of address

The exact set may vary by jurisdiction and risk profile. KYC/KYB · OFAC · Travel Rule.