Airtm
Dollar wallet + P2P payouts.
- Who holds it
- A licensed crypto-asset custodian holds the assets on your behalf — MSB registration (FinCEN, No. 31000329787639); USDC-based dollar wallet.
- The ledger
- The custodian’s books, reconciled against on-chain balances.
- If it fails
- Recovery hinges on the custodian’s solvency and how cleanly client assets are segregated.
Derived from Airtm’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | hybrid · freelancers & creators |
| HQ | Mexico City, MX |
| Founded | 2015 |
| Custody | Custodial |
| Regulation type | VASP / MSB / crypto licenses |
| License detail | MSB registration (FinCEN, No. 31000329787639); USDC-based dollar wallet |
| Card | Visa · Virtual |
| Stablecoins | Yes |
| KYC | Yes |
| Active regions | Latin America |
| Countries | Mexico, Venezuela, Argentina, Colombia, Peru, Chile, Brazil |
| Founders | Ruben Galindo, Antonio García |
| Funding | ~$70M raised |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @airtm ↗
Common questions about Airtm
What is Airtm?
Airtm is a fiat-and-crypto neobank built for freelancers & creators, headquartered in Mexico City, MX and founded in 2015. Your money is held custodially, so Airtm or its partner bank holds the balance and you hold a claim on it. It holds VASP / MSB / crypto licenses (MSB registration (FinCEN, No. 31000329787639); USDC-based dollar wallet).
Does Airtm have a card, and where can you use it?
It issues a Visa virtual card. It is available in 7 countries, across Latin America.
Does Airtm require KYC?
Yes. Airtm requires identity verification (KYC) to open an account, as a vasp / msb / crypto licenses.
Early investors
Head-to-head
Airtm vs Meru · Airtm vs Deel · Airtm vs Takenos
Peers
Revolut · Mercado Pago · Crypto.com · Binance Card · Bybit Card · OKX Card
Airtm appears in
Neobanks operating under crypto and money-transmitter licenses (25) · Neobanks available in Latin America (113) · Neobanks for freelancers and creators (15) · Neobanks that issue a Visa card (182) · Neobanks in Mexico (11)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.