kamiPay

PIX was born from an ambitious idea: instant payments, in reais, for Brazilians, made mandatory by the Central Bank of Brazil. It was a breakthrough for domestic payments, but that idea didn’t stay just for Brazil. With kamiPay, PIX found new territory. Our technology unlocked two new paths without losing PIX’s core: instantaneity. 1️⃣ Brazilians can pay with PIX in reais, even outside Brazil. Thanks to our Pay‑In API, an interface that lets any foreign merchant accept a PIX transfer, handles the currency conversion behind the scenes, and settles the funds instantly in the merchant’s local . Picture a Brazilian in Buenos Aires or Montevideo, scanning a QR code and paying from their banking app in reais. The experience feels local, but it isn’t. 2️⃣ Foreigners can pay in Brazil through Pix while still spending their local currency, that’s where our Pay‑Out API steps in. Purpose‑built for fintechs, it lets them offer Pix payments to their s effortlessly. For example, an Argentine shopper can pay online or in‑store with pesos from their wallet, and the merchant receives Brazilian reais instantly via Pix. The key is that PIX’s instant nature is preserved. For us, if it’s not immediate, it’s not really PIX. An infrastructure designed for domestic use now opens up real cross-border commerce, keeping its authenticity while rewriting the rules. Pix began as a payment rail for a single country. Today, a expanded universe of s can use it. With our technology at kamiPay, we pioneered this new PIX corridor, proving that instant, cross-border commerce can now scale across the region. What other regional payment rails are ready to surprise us next? Who’s going to make the leap? Curious to hear your thoughts. #kamiPay #PIX #RealTimePayments #CrossBorder #FinTech #PayIn #PayOut #Payments

Hay un dato que viene circulando fuerte en el sector, este invierno Bariloche se prepara para recibir más de 220 vuelos directos desde Brasil, un aumento estimado del 35 % respecto del año pasado. Solo en 2024, entre junio y agosto, más de 36.000 brasileños aterrizaron en esta ciudad y esta temporada se espera que sea tan buena o mejor que la del año pasado. Estos turistas llegan con la posibilidad de pagar con PIX desde las aplicaciones bancarias de sus celulares como lo hacen todos los días en su país de manera fácil, rápida y fluida, a diferencia de cuando usan sus tarjetas de crédito o cuando pagan en efectivo con dólares o reales. Luego del boom de este verano de argentinos pagando con PIX en las playas brasileñas, este invierno la oportunidad está de nuevo de nuestro lado y yo no la dejaría dejar pasar. Si tenés un local en Bariloche o en algún otro centro de ski y todavía no sumaste la posibilidad de cobrar con PIX en tu negocio, kamiPay es la solución que te va a ayudar a que no te quedes afuera. El turista brasilero busca pagar de manera ágil y fluida, sin incurrir en sobrecostos o tener que lidiar con tipos de cambio dudosos. Esto puede marcar la diferencia entre ganar la venta o perderla en segundos. La temporada está a la vuelta de la esquina, pero la decisión se toma ahora. #Turismo #Pagos #PIX #kamiPay

Pix is the most successful digital payments system in the world. 75% of Brazilians 🇧🇷 use it and transact the equivalent of 25% of the country's GDP every month 🤯 What’s most surprising is that Pix was not built by a company, but by a government regulator. Some staggering stats to put this in context for those outside the region: For those familiar with UPI in India 🇮🇳, transactions per capita for Pix was 2x as many as on UPI (based on December 2024 numbers). Further, the total financial volume on Pix is nearly 2x as large as that on UPI (US$520Bn on Pix vs $264Bn for UPI in December 2024). Read more about this in Julio Vasconcellos orginal/source piece referring to Atlantico Digital Transformation Report on how much faster the ramp up of Pix happened in Brazil: https://lnkd.in/dAz3hqFW For comparison: Many countries — including the UK, Denmark, Chile, India, Nigeria, and Mexico — have rolled out instant payment systems. But none come close to matching the scale, speed, or depth of adoption seen in Brazil. Consider this: the UK and Chile each took eleven years to reach 30 instant payments per person per year. Brazil hit 110 in just two years — exceeding 85 billion transactions and USD 7 trillion in total volume within its first 30 months. By any standard, it’s the fastest-growing and most widely adopted real-time payment system in the world. Kudos to Azor B. de Toledo Barros for these stats and picture below👇 Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁] Nice story, Marcel. Next! [ 𝗹𝗶𝗸𝗲 ] 

Summer 2025 marked a genuine turning point: we saw record transactions between Argentina and Brazil, with tourists completing purchases in seconds using familiar QR codes and paying in pesos. What started as an interesting trend has become our new reality 300.000 daily purchases flowing from Argentina to Brazil. The seamless adoption came naturally because Argentine s were already comfortable with QR payments—this existing behavior created an effortless bridge between the two countries. But we're just seeing the opening moves. Major fintech players and banks are already strategizing for next season, actively pursuing integration opportunities, strengthening their infrastructure, and positioning themselves within this growing ecosystem. The outcome will benefit everyone: more options, reduced friction, and a market increasingly receptive to fresh business models. At kamiPay, our growth trajectory is steep, we're rapidly adding new integrations, enhancing our development roap, and exploring expansion into new real‑time payment methods. Our platform has demonstrated its capacity to handle substantial transaction volumes, we’re sharpening our strategy and know exactly where the market is heading. The potential here isn't just significant, it's game-changing for the entire fintech landscape. kamiPay hasn't simply solved problems for travelers; it's created exciting possibilities for Argentine businesses now able to accept payments in reais and receive funds instantly, whether in-person or remotely. Each new success story I hear reinforces my belief that what we're experiencing now is merely the foundation of something much bigger. What's your take, how far can this PIX-powered cross-border payment revolution extend? #Fintech #kamiPay #DigitalPayments #Pix #Innovation #CrossBorderPayments

When seconds matter, what is your backup plan? We recently heard a story that reminded me exactly why kamiPay was created. Through a client, one of their Argentine s faced a medical emergency in Brazil—a surgery that couldn’t wait. At that moment, he realized his credit card just didn’t have the available limit and he didn’t have enough cash. No time to call the bank, no time to wait for approvals. The whole situation was tense. However, in seconds, using the kamiPay infrastructure through one of our integrations, he successfully processed the payment—no calls, no paperwork, no delays. The situation was resolved, leaving him to focus on his recovery. Stories like this highlight something that numbers alone can’t capture. It’s not just about transactions or tech…  It’s what these tools we create allow us to provide and archive in real life situations. This was a win for us. That’s why we are grateful for the trust of our clients. Every resolved case is a reminder that, sometimes, technology can make all the difference. How many stories like this are hidden in the millions of transactions we have processed? #KamiPay #RealImpact #FinTech #Payments #UrgentNeeds #CrossBorderPayments

No se quieren quedar afuera: las grandes #billeterasvirtuales van por #PIX y se anticipa un #verano 2026 histórico. Además, en números, cuánto compraron los argentinos en #Brasil esta temporada 2024/2025 y lo que se viene para los pagos cross-border: ¿se podrá pagar en pesos próximamente en nuevos países del continente y el mundo? Entrevista a Matias Gorganchian, co-fundador de kamiPay, para iProUP. 🎙️✍️ https://lnkd.in/d77xP52Q

El logo de Pix es la cara visible de un medio de pago que por definición no tiene rostro propio. Pix es API-first: infra invisible por diseño que, por esto mismo, necesita un símbolo neutral y fácilmente reconocible. ¿Pero qué significa este enfoque API-first? Para entenderlo, me ayudó la idea de mobile-first, un concepto que ganó fuerza en la década de 2010. En esa época, muchas startups comenzaron a diseñar sus productos digitales pensando primero en la experiencia móvil y no como una adaptación de la versión de escritorio. Plataformas como Instagram, WhatsApp o Uber nacieron pensadas para el celular, y su simplicidad, velocidad y diseño fluido fueron clave para su adopción masiva. API-first sigue una lógica similar: ya no se trata solo de tener APIs, sino de construir todo el sistema desde cero con la idea de que esas APIs serán el principal canal de conexión con el mundo. Las APIs son los bloques de construcción reutilizables, combinables y escalables que están redefiniendo cómo se estructuran los recursos digitales en todas las industrias. Y Pix es un gran ejemplo de esto. Cuando el Banco Central de Brasil (BCB) creó Pix, en lugar de construir una app centralizada, lo que hizo fue: →Diseñar una infraestructura pública con APIs abiertas y bien documentadas. →Obligar a bancos y fintechs a conectarse a esas APIs si querían operar en el sistema financiero brasileño. →Dejar que cada institución diseñe su propia experiencia de (UX), pero usando esas APIs estándar. Esto permite que: →Pix funcione dentro de la app de cualquier banco/fintech/procesador de pagos/… →El tenga una experiencia rápida y segura, sin importar si usa Nubank, Inter o Itaú. →Todos los sistemas hablen el mismo “idioma técnico”. Además, el diseño API first garantiza que cada nuevo módulo de Pix sea compatible con el ecosistema existente. Por ejemplo, cuando en Q3 el BCB lance "Pix parcelado" (compras en cuotas), los actores financieros que ya están integrados simplemente deberán extender el endpoint o consumir una nueva versión de la API, no rehacer toda la integración. Como dice el “evangelista API” Kin Lane, las APIs no solo sostienen lo que ya existe, sino que habilitan la creación de ideas completamente nuevas —algunas que aún ni imaginamos—, al abrir la puerta a que terceros construyan sobre esa base, integren, innoven y escalen. La historia de kamiPay, ni más ni menos.