What it sells
The global financial platform for affluent consumers in the Americas.
Business model breakdown
Buyer: who owns the budget?
Individuals (travelers, investors, professionals) in Latin America for the personal app; startups and SMBs operating across borders for ARQ Business.
Trigger: what makes them buy now?
Wanting to hold and move money in digital dollars/euros at real market rates instead of paying bank FX spreads and remittance fees.
Workflow: what inputs become what output?
Open an account, convert local currency to USDc/EURc, receive and send payments with US/Europe account details, spend via ARQ card with cashback, invest in earnings accounts, stocks and ETFs; business adds treasury, bulk payments and corporate cards.
Economics: what it saves and how it charges
UnverifiedEarns on currency conversion (claims real market rates, no hidden fees), card interchange, and investment products; exact fee schedule not on page.
Distribution: how it reaches customers
Self-serve app download and sign-up, country sites for Mexico, Argentina, Colombia, Brazil; business "Get started".
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Summer 2021 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.