KIRA raises $2M to scale its AI-powered fintech infrastructure

Miami-based startup KIRA, with active operations in Mexico, has just closed a $2 million pre-seed round after operating in stealth mode for a year.

KIRA raises $2M to scale its AI-powered fintech infrastructure

Miami-based startup KIRA, with active operations in Mexico, has just closed a $2 million pre-seed round after operating in stealth mode for a year. Its proposal: a fintech infrastructure powered by artificial intelligence and stablecoins, enabling companies to launch global financial products quickly and without regulatory friction.

An API that simplifies fintech product development

KIRA allows non-financial companies, from banks to retailers and exporters, to offer services such as remittances, cross-border payments, digital wallets, international payroll, or USD accounts, all without building from scratch. Through a single API, KIRA handles the backend, compliance, and technical infrastructure.

With active operations in Mexico, the startup is preparing to launch its platform in Colombia as part of its strategic expansion in Latin America.

Very soon, all fintech products will be powered by stablecoins and artificial intelligence,” says Edrizio De La Cruz, co-founder of KIRA.

Global financial solutions, powered by intelligent agents

KIRA abstracts the complexity of decentralized finance (DeFi) and automates backend financial operations using AI. This shortens product launch timelines from months to weeks. Its solutions include:

  • Real-time global payments, executed by autonomous agents in over 35 countries.
  • Programmable wallets with up to 7% annual yield (APY), backed by stablecoins and U.S. Treasury bonds.
  • Automated compliance and onboarding, with real-time verification (KYC/KYB, AML, sanctions, and identity checks).
  • Stablecoin-based payment infrastructure, compatible with cash, cards, ACH, and SWIFT, with white-label payment links optimized with AI.

Among KIRA’s clients are Banco Industrial, Banco N1co, one of the world’s largest physical retailers, and startups like Suku, Factcil, Shield, Borderless, and Vank, which operate across Latin America, the U.S., and Europe.

Founders with a proven fintech track record

KIRA’s founding team brings a strong background in building fintech infrastructure in the region:

  • Camilo Jiménez, former CTO and co-founder of Littio, participated in Y Combinator in 2023 and has over 15 years of experience in software engineering.
  • José Alberto “Beto” Díaz, former Product Manager at Clip and Stori, also founded Balam, a payments and compliance platform operating in seven countries.
  • Edrizio De La Cruz, founder of Arcus (acquired by Mastercard), became the first Latino to serve as Visiting Partner at Y Combinator and is the author of The Underdog Founder.

We’re proud to be building the first fintech infrastructure that combines AI with the power of programmable money,” says Beto Díaz.

KIRA’s mission is clear: to make it easy for any company in the world to launch global fintech products, powered by AI and stablecoins, without technical friction or regulatory complexity.