Takenos and Coinflow at a glance

Client: Takenos — Latin American fintech empowering freelancers and cross-border workers
Industry: Cross-border payroll & remittance
Goal: Enable global pay-ins, reduce failed transactions, and scale faster with compliant, instant settlement
Coinflow’s Impact: Delivered full pay-in and payout coverage, real-time stablecoin settlement, and built-in fraud and chargeback indemnification
Result: Doubled approval rates, expanded to new markets and verticals, and achieved sustained 28% monthly user growth

About Takenos

Takenos is a leading fintech platform in Latin America, building modern infrastructure for cross-border payments and remittances — helping workers worldwide easily receive, manage, and spend their international earnings.

By providing a digital wallet that supports multiple currencies, stablecoins, and international cards, Takenos gives users seamless access to global income, helping people overcome the barriers associated with conventional financial systems.

Their mission is to empower financial independence in regions where access to USD and global payments remains challenging.

“We built Takenos to provide a growing global workforce with a modern, cross-border financial toolkit — one that feels instant, fair, and borderless,” said Lucas Posada, CEO & Co-Founder at Takenos.

As user adoption accelerated, Takenos faced growing challenges that their previous payment service providers could not solve.

The challenge

Takenos’ previous payments infrastructure stack limited its ability to offer seamless pay-ins and payouts — crucial features for a global independent workforce expecting immediate access to funds.

Fragmented capabilities, missed opportunities

The company’s user base of global workers made it clear they needed a faster way to send and receive money instantly. At the same time, Takenos recognized the need to accept card payments to enable broader monetization and service flexibility.

“We had insight from our users that they needed the ability to send money instantly, but we hadn’t even enabled card transactions yet,” Lucas recalled.

High rejection rates and operational bottlenecks

When Takenos tried other payment providers, they ran into significant roadblocks. Their previous systems were plagued with errors and massive payment rejection rates — up to 80% for some user groups.

This led to user churn, lost revenue, and frustration across the organization.

• A 20% overall acceptance rate was preventing growth.
• Global expansion was impossible without reliable pay-ins and payouts.
• The lack of fraud protection resulted in constant manual oversight and risk exposure.

“Low approval rates with our previous providers were hurting the business and causing users to leave. We simply couldn’t scale on that foundation.”

— Lucas Posada, CEO & Co-Founder at Takenos

The company sought to expand its foundation and enhance its modern payment infrastructure to meet the demands of reliability and global reach for its platform.

Discovering Coinflow

What started as a conversation about cross-border friction among two driven startup founders quickly evolved into a partnership grounded in shared purpose: empowering a global workforce through better payments.

A standout evaluation

What impressed Takenos most during their evaluation wasn’t just technology — it was alignment on risk, reliability, and speed.

“Fraud and chargeback indemnification is what really stood out,” said Ivan Cassin, Head of Operations at Takenos. “This is why we didn’t work with any other provider. In addition to that, the dashboard is easy to use, the tooling works seamlessly, and stablecoin settlement is a game-changer for cross-border remittances.”

Coinflow’s stablecoin-powered instant settlement is a perfect fit for Takenos’ business model. It enables them to bridge USD-based clients and LATAM-based users without relying on volatile intermediaries or waiting days for transfers to clear.

Why Coinflow was the right fit

Coinflow offered everything Takenos needed to grow confidently and globally:

• Comprehensive Pay-in and Payout Coverage: 170+ local methods and global push-to-card
• Instant Settlement: Real-time liquidity powered by stablecoin technology
• Fraud and Chargeback Indemnity: Built-in protection that reduced risk to near zero
• Easy, Intuitive Dashboard: Simplified reporting, insights, and reconciliation
• Fast Integration: Seamless onboarding without infrastructure rework

“Coinflow had every pay-in and payout we needed to grow AND the ability to settle funds instantly. No other provider could help us do that.”

— Ivan Cassin, Head of Operations

Deployment & use

Implementation: speed and security aligned

When Takenos integrated Coinflow, they were in the midst of heavy fraud attacks on their platform. Coinflow’s team responded immediately, implementing new fraud rules that neutralized the attacks while maintaining a frictionless user experience.

“We acted fast, and Coinflow matched that speed. Their team helped us get to market quickly and start growing again,” said Ivan. “The deployment process was simple, efficient, and secure — exactly what a fast-moving fintech needed.”

Empowering internal teams

Coinflow didn’t just improve payment flow; it streamlined Takenos’ internal operations.

• Finance no longer needs manual fraud reviews and chargeback management
• Operations simplified monitoring and reporting with a unified dashboard
• Support reduced user issues and tickets related to failed payments

“No other provider offered the total package — compliance, risk, and fraud management — like Coinflow can.”

— Ivan Cassin, Head of Operations

The results

Coinflow transformed Takenos’ performance across the board:

• Approval rates doubled between April 2025 and September 2025
• Monthly active users grew an average of 28% month-over-month
• Average transaction value increased by 38% in just four months

By improving approval rates, increasing active users, and average transaction volume, Coinflow helped Takenos grow its transaction volume by 163% from May 2025 to September 2025 — transforming the growth trajectory of the business.

“Our approval rates doubled in just a few months, and the volume growth followed,” recalled Lucas. “Coinflow’s reliability gave our users the confidence to transact more.”

Customer experience: simpler, faster, global

Takenos’s user base quickly noticed the difference, too. Transactions that once took days are now settled instantly. Global pay-ins work seamlessly, and new payout options unlock previously inaccessible regions.

• New regions opened: Users in new LATAM markets gained access to instant settlement
• New verticals launched: Expanded into medical consulting services and training courses
• Customer satisfaction: Drastically fewer payment errors or delays

Operational efficiency and confidence

Coinflow’s platform reduced Takenos’ operational overhead by automating fraud prevention, reconciliation, and support tasks. Coinflow’s dashboard provided real-time visibility into payment flows, turning operational data into growth insights.

“The simplicity of the dashboard frees up our team to focus on strategy, not manual work.” — Ivan Cassin, Head of Operations

The Coinflow advantage

Coinflow doesn’t simply move money — we remove friction to enable growth.

Where others add layers of cost, complexity, or compliance burden, we streamline with clarity, trust, and speed. We integrate deeply and scale smoothly, giving businesses the confidence and support to expand globally without compromise.

• Speed: Go-to-market in days with global, instant settlement.
• Security: We eliminate fraud and chargebacks so you can focus on growing your business
• Scale: Confident expansion across borders, markets, and audiences
• Expert Support: Your strategic, hands-on growth partner at every step

Clients like Takenos love what Coinflow has unlocked for their businesses: “Easy to use product in a very difficult sector. Coinflow offers a high-quality product and makes it simple to maintain. The support team is responsive and immediate,” Ivan shared. “No other vendor combined speed, compliance, and support in a single offering.”

What’s next for Takenos

Following their success with Coinflow and solving some key payments issues, Takenos is expanding its product footprint across the globe and exploring new financial products for freelancers — like high-yield savings accounts and local on/off ramps to solve the day-to-day needs of its diverse userbase.

With Coinflow powering its infrastructure, Takenos is confident about scaling globally without compromising compliance, speed, or user experience.

“Coinflow helped us move from regional to global in a matter of months. The partnership changed our trajectory.”

— Lucas Posada, CEO & Co-Founder

Global payments are a growth engine

Coinflow enables e-commerce innovators, fintechs, gaming companies, marketplaces, and remittance platforms to grow faster with:

• Instant settlement and stablecoin payments
• Fraud and chargeback indemnification
• Global pay-ins and unified payouts
• Multi-currency and FX infrastructure

Experience faster growth and higher conversion with modern payment rails.

👉 Talk to the Coinflow Team to learn how you can scale with instant settlement and fraud-free payments. Book a demo today →