Takenos
Takenos · Visa
Takenos is a payments app and digital-dollar wallet founded in Argentina (2022), aimed at freelancers and remote workers in Latin America who receive payments from abroad. It lets users receive international transfers, hold a balance in digital dollars (USDT on Polygon and BSC) and spend via the TakeCard, a virtual and physical Visa card for international purchases. The wallet is custodial: funds are held by Takenos. Withdrawals in USD or crypto cost 3% (waived for funds received from PayPal, Deel or Airbnb), with a $250 ATM limit on the TakeCard. The FX/conversion markup is not publicly documented, so it is set to 0; the company advertises up to 30% savings on international payments. Takenos does not publish specific financial licenses, so the licenses field is left empty.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | — |
|---|---|
| Multi-currency | USD |
| Network | Visa |
| ATM withdrawal | 3% |
| Free ATM limit | $250 (TakeCard) |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | LATAM, US · 6+ countries |
| Regulator | Nessun regolatore o licenza finanziaria pubblicata |
| Segment | B2C |
| Funding / solidity | Takenos is an Argentine fintech (founded in 2022) headquartered in Buenos Aires, aimed at Latin American freelancers and remote workers with income from abroad. In November 2025 it expanded operations to Peru as part of a US$5 million investment round led by US funds Variant and Lattice. |
| MiCA / License status | Takenos does not publish specific financial licenses or a reference regulator. It operates in Latin America (Argentina, Bolivia, Paraguay, Chile, Uruguay and Peru) offering a custodial digital-dollar account based on USDT. |
Strengths
- Digital-dollar account designed for LATAM freelancers receiving cross-border payments
- TakeCard Visa available in both virtual and physical form for international purchases
- No account maintenance fees and free account opening
- No notable sovereignty advantage documented.
Weaknesses
- Custodial wallet: funds are held by Takenos, not by the user
- 3% USD/crypto withdrawal fee and a low $250 ATM limit on the TakeCard
- No published financial license and an undisclosed FX markup
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Takenos does not publish specific financial licenses or a reference regulator. It operates in Latin America (Argentina, Bolivia, Paraguay, Chile, Uruguay and Peru) offering a custodial digital-dollar account based on USDT.): reporting to authorities and freezes on order.
Verdict
Custodial wallet with no published financial license: funds are held by Takenos and no specific user protections are documented. Weak protection.
Fully custodial service with full KYC, focused on Latin America: the user does not control the keys and depends entirely on the platform. Low sovereignty.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is the Takenos TakeCard physical or virtual?
The TakeCard is a Visa card available in both virtual and physical form, designed for international online and travel purchases with automatic currency conversion.
How much do withdrawals on Takenos cost?
Withdrawals in USD or crypto cost 3%, except for funds received from PayPal, Deel or Airbnb. The TakeCard has a $250 ATM limit.
Sources
- Official service page Nome · Azienda · Categoria · Regioni · +3 Data verified on Jun 22, 2026
- latamfintech.co Paesi num · Supported currencies · Italia disponibile · Azienda info Data verified on Jun 23, 2026
- rain.xyz Payment network · Regioni · Descrizione Data verified on Jun 22, 2026
- todey.xyz Payment network · Custodial · Kyc · ATM fees · +2 Data verified on Jun 22, 2026