KEO

KEO World is a fintech company founded in 2020 and headquartered in Miami, Florida, specializing in B2B digital payments and inventory financing solutions for small and medium-sized enterprises. The company operates across multiple markets including the United States, Mexico, Canada, Colombia, Peru, Dominican Republic, Ecuador, and Brazil. KEO World's flagship product, Workeo, provides digital revolving lines of credit in multiple currencies that enable businesses to purchase recurring inventory with flexible payment terms of up to 90 days per invoice. The platform combines inventory financing with automated payment infrastructure, allowing buyers to access working capital while suppliers receive upfront payment. KEO was the first Non-Bank Financial Institution to receive an issuing license from American Express in Mexico, and operates through partnerships with American Express Business Link for payment processing and clearing. The company's proprietary technology, KEO Rails, automates B2B transaction clearing and provides embedded payments and lending infrastructure. Payment options include card, ACH, wire transfer, and blockchain-based transactions. The platform offers artificial intelligence-powered credit decisioning, personalized digital credit lines with flexible terms, multi-currency capabilities for cross-border transactions, and automated accounts payable and accounts receivable processes. KEO World targets SMEs with limited access to traditional credit or those seeking alternatives to expensive options like invoice factoring. As of 2025, the company has processed over $1 billion in transaction volume. KEO World has raised growth equity funding from investors including Montreux Growth Partners, Mayberry Investments, Avior, and Next Sparc, with a $20 million growth equity round completed. The company filed a U.S. patent for its B2B inventory financing and payment solution in 2022.