Takenos Accelerates Global Growth with Coinflow’s Instant Settlement Payments Infrastructure
22 oct 2025
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.