- The convergence of stablecoins and artificial intelligence to build financial products and services is one of the most cutting-edge trends in the world
- A Latin American startup joins the movement, proposing a financial infrastructure layer that automates global payments and regulatory compliance
At a time when the traditional financial system continues to face challenges integrating with new technologies, some companies are working on solutions to overcome technical and regulatory barriers.
Several startups are exploring the intersection of artificial intelligence and stablecoins—a technological crossroad with the potential to transform digital finance.
Companies like Crossmint (which integrates AI across more than 40 blockchains through a payment and wallet platform) and Skyfire (which enables autonomous agents to execute payments directly using USDC) are leading this trend. Other notable efforts include Almanak (which launched an AI-optimized stablecoin designed to maximize DeFi protocol yields), and USD.AI (which introduces a dual stablecoin system with AI that adjusts collateral and liquidity in real time).
More experimental initiatives—such as Maitrix—aim to issue stablecoins native to AI ecosystems, while projects like Fetch.ai, Ocean Protocol, and peaq are developing infrastructure where intelligent agents can interact and make payments using stablecoins.
While each takes a different approach, all point to a future where programmable, autonomous finance becomes part of the economic fabric of everyday life.
From Latin America: Innovation and New Proposals
The startup KIRA, which just made its public debut after operating under the radar for a year, also seeks to combine AI and stablecoins to simplify the creation of global financial products. Its mission is to enable any company—not just banks or fintechs—to launch financial services without needing to build infrastructure from scratch. Headquartered in Miami with active operations in Mexico, the company is preparing to launch its own operating platform in Colombia as part of its strategic expansion in Latin America.
The Founding Team
KIRA’s proposal centers on a unified API that simplifies decentralized finance (DeFi) and automates financial operations through intelligent agents capable of executing complex financial tasks autonomously. This makes it possible to carry out instant international payments, open yield-bearing USD accounts, and fulfill regulatory requirements such as KYC and AML—all in an automated manner. It enables cross-border payments in over 35 countries.
This approach stands out not only for its technological ambition but also for its commercial pragmatism: KIRA’s infrastructure is already being used by banks such as Banco Industrial and Banco Nico, as well as by startups in Latin America, the U.S., and Europe.
Experience and New Paths
KIRA is built by a team with deep experience in the Latin American fintech ecosystem. Its CEO, Edrizio De La Cruz, is one of the co-founders of Arcus—a startup acquired by Mastercard—and was a visiting partner at Y Combinator. His co-founders also have backgrounds at companies like Clip, Stori, and Littio. Together, they bring both technical and regulatory expertise—essential for operating in a space where financial innovation often clashes with existing laws.
The integration of artificial intelligence to automate operations is becoming increasingly common. Beyond the use of bots or algorithms to optimize processes, KIRA is introducing a new financial architecture enabled by intelligent agents.