Tapi的订阅支付赌注：拉丁美洲现金经济数字化，融资6000万美元

做的是什么生意

Tapi is an Argentine payments and collections network that connects banks, fintechs, retail chains and service companies so users can pay recurring bills — utilities, schools, gyms, digital services — across five Latin American countries.

启动资金：US$9M seed (2022), US$22M Series A led by Kaszek with a16z (2024), US$27M Series B led by Kaszek with Endeavor Catalyst and Latitud (2026) — about US$60M total.

起因

Mindlin, Litvin and Andriano launched Tapi in 2022, betting that utilities, tuition and subscription payments were the neglected core of LatAm's payment system. They raised a US$9M seed led by a16z and began processing payments for big consumer platforms such as Mercado Pago and crypto exchange Lemon.

经过

In July 2024, Kaszek led a US$22M Series A with a16z returning; Tapi expected to process about US$400M in payments that year across five countries and to quintuple volume to 10 million transactions a month. In 2025 revenue grew tenfold in 18 months, the company turned profitable, and it made its first acquisition: two Arcus business units bought from Mastercard in Mexico, covering service payments, mobile top-ups, gift cards and cash in/out. It also launched Tapi Pay for SMEs.

结果

In February 2026, Tapi closed a US$27M Series B led by Kaszek with Endeavor Catalyst and Latitud, bringing total funding to about US$60M. The company processes over 250 million transactions worth more than US$6 billion a year through a network of 70,000 physical points and 20,000 businesses across Argentina, Mexico, Chile, Colombia and Peru.

可借鉴之处

Tapi通过选择枯燥的细分领域——循环账单——并为分散的市场建立基础设施而获胜，因此该地区的每个金融科技公司都成为潜在的分销渠道。