Kira

Kira Financial AI is an embedded fintech infrastructure platform that lets non‑fintech companies launch AI‑powered, stablecoin‑based financial products (remittances, wallets, payroll, treasury) through a single API or no‑code dashboards. It is built around “agent‑native” architecture: vertical AI agents that autonomously handle payments, FX, compliance, and treasury operations end‑to‑end.

Core platform and capabilities

• All‑in‑one agent‑native stack: Unified APIs for pay‑in, wallets, and payouts so AI agents can manage cross‑border transactions, KYC/KYB, AML/sanctions checks, fraud prevention, and treasury from one programmable platform.
• Universal Payment Gateway: Accepts local methods (cash, debit, bank transfers, ACH, SWIFT) via white‑labeled payment links that agents can embed in conversational or autonomous flows.
• Treasury & wallets: Stablecoin‑based, yield‑bearing USD wallets (and virtual U.S. accounts) where balances can earn up to about 7% APY, with programmable liquidity routing and treasury policies for 18+ countries.
• Compliance layer: AI‑driven KYC/KYB, AML, VASP, and sanctions screening exposed through APIs to reduce manual review while keeping regulatory guardrails.

Prebuilt “fintech agents” (use cases)

• Agentic remittances: Agents can initiate and manage cross‑border payments, using stablecoins and real‑time FX conversion, plus programmable KYC/transaction checks, often via payment links the recipient triggers.
• Autonomous treasury operations: Agents manage multi‑currency cash flows, route liquidity, and execute treasury rules (limits, currencies, destinations) with real‑time visibility for finance teams.
• Import/export trade payments: Commerce agents can programmatically pay suppliers abroad with integrated FX, compliance tracking, and status notifications.
• Programmable FX & trading: APIs for on‑demand FX so agents can convert and move value across currencies and asset classes with auditable logic.
• Freelancer/global payroll payouts: Onboard, verify, and pay contractors in local or digital currency with tax‑compliant reporting, in 35+ payout countries across LatAm and Europe.

Stablecoins and global rails

• Kira abstracts stablecoin complexity so clients get instant settlement, lower FX/intermediary costs, and yield on idle balances without directly handling blockchain details.
• Agents can push funds into co‑branded wallets or local bank accounts; users can hold balances in USD‑backed instruments while the treasury engine optimizes yield and FX.

Company, funding, and focus

• Headquartered in Miami and operating initially in Latin America (starting with Mexico), Kira targets both enterprises and startups that want to add global financial features without becoming fintechs themselves.
• The company emerged from stealth with about USD 3 million in first‑year revenue and has raised at least USD 2 million pre‑seed plus a subsequent USD 6.7 million seed round led by Blockchange and other investors.
• Founded by veterans from Arcus, Clip, Stori, and Littio, its mission is to leverage AI and stablecoins to bring modern financial services to the roughly 1 billion underbanked globally.