​We believe the future is global account integration
We are dedicated to enabling account holders to manage their financial resources easily, regardless of location or economic status.
About Us
ARDECO is a financial technology company redefining how banks, credit unions, and fintechs connect, operate, and scale internationally. Our mission is to create a truly global banking ecosystem—one where customers and institutions can access multiple real bank accounts across borders through a single, secure, and unified platform.
Through our "Global Banking Platform" and "Bank-in-a-Box" solutions, ARDECO empowers financial institutions to accelerate digital transformation, strengthen compliance, and unlock new revenue opportunities. We provide modular, scalable, and fully compliant Banking-as-a-Service (BaaS) infrastructure that bridges the gap between traditional banking systems and next-generation digital finance.
With a presence in the United States, Brazil, and Mexico, ARDECO partners with sponsor banks, credit unions, fintechs, and payment processors to expand access to financial services globally. Our technology supports a wide range of capabilities, from real-time payments and borderless accounts/transactions to onboarding, compliance automation, and API-driven integrations.
At ARDECO, we believe the future of finance is borderless, connected, and inclusive.
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Our Vision
"We envision a future where financial institutions of every size can participate fully in the digital economy. By unifying cross-border systems and pioneering the Global/Unified Accounts Concept, ARDECO aims to redefine global banking — creating a transparent, interoperable, and digitally empowered financial landscape."
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01
Financial Inclusion
We specialize in helping financial institutions expand their range of services by creating personalized solutions and products that effectively meet the needs of customers through segmentation, such as "Immigrants with low income" or "High income with bad credit," etc. The current financial products do not fully meet the diverse needs of the clients. Consequently, this approach hinders financial inclusion by not providing customers with tailored solutions that specifically address their unique requirements, instead of offering one-size-fits-all products.
02
We Promote
Cross-Border Banking Software
We are leading the "Global Banking Software" initiative, which aims to revolutionize customer interaction with their accounts across multiple countries and currencies through a unified application. We are currently working with financial institutions in the US and LATAM to develop cross-border collaboration through the establishment of transparent and seamless back-end connectivity solutions.
03
Connecting Compliance + Technology + Future
We uphold rigorous standards to ensure strict compliance in the development of our products. Our approach is rooted in the recognition that technology, while essential, is just one of the three foundational pillars of baking software development. Forging ahead with technological advancements alone would be insufficient, as the integrity of our products is firmly upheld by compliance and regulation. These elements form the very backbone of our products, and we constantly consider the future needs of our customers in this process.
