Podcast 322: — Wagner Ruiz Of Ebanx

: A core part of their mission is providing digital payment access to unbanked and underbanked populations, often through alternative credit tools and local cash-based payments.

: EBANX was founded to solve the "access gap" in Latin America, where many consumers lack international credit cards but want to buy from global brands like Spotify or Airbnb.

: Ruiz explains that Latin America is not a monolith; each country has distinct cultures, technical challenges, and local payment methods (e.g., Pix in Brazil, Boleto in Brazil, and OXXO in Mexico). Podcast 322: Wagner Ruiz of EBANX

: As CRO, Ruiz discusses their approach to fraud prevention and identity verification, which are critical when managing cross-border transactions in high-growth markets. Wagner Ruiz's Profile

In episode #322 of the Fintech One-on-One podcast , Peter Renton interviews , Co-Founder and Chief Risk Officer of EBANX . The discussion highlights how EBANX became a payments leader in Latin America by bridging the gap between global merchants and local consumers. Key Discussion Points : A core part of their mission is

: Co-Founder and Chief Risk Officer (formerly CFO for nearly nine years).

: Their success relies on a combination of proprietary technology, a solid legal framework, and deep regulatory knowledge in each country they operate. : As CRO, Ruiz discusses their approach to

: At the time of recording, EBANX operated in 15 countries and had recently filed confidentially for a U.S. IPO while acquiring the B2B fintech Juno.