Show notes
Open finance infrastructure, agentic banking, and cross-border payments converge as Prometeo connects 7,500+ financial institutions across Latin America and the US through a single API. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Ximena Aleman, Co-Founder and Co-CEO of Prometeo, to unpack what it takes to standardize fragmented banking systems across 30 countries and bring that playbook to the American market.Tedd and Ximena cover why US banking infrastructure is more fragmented than most people realize, how Prometeo's account verification now covers 85% of US bank accounts, and what agentic banking looks like when AI agents operate real bank accounts with built-in compliance controls. The conversation also addresses the open banking pricing debate, CFPB 1033 as a US expansion accelerant, the Nacha preferred partner announcement, and why only 2 to 3% of VC funding reaches female-led startups.Find out more1️⃣ Disaggregate your payment stack layer by layer; calling it "mature" hides gaps that cost you money.2️⃣ Build infrastructure for corridors, not single countries, starting with the highest-volume trade routes your customers operate.3️⃣ Bring non-bankers onto your product team to challenge workflows that insiders have normalized for decades.4️⃣ Give smaller financial institutions a revenue stream tied to open banking adoption instead of pricing them out.5️⃣ Pitch the outcomes your infrastructure enables, not the technical specs of what you built.LINKSGuest:Ximena Aleman LinkedIn: https://www.linkedin.com/in/ximena-aleman-7913439a/Company:Prometeo Website: https://prometeoapi.comPrometeo LinkedIn: https://www.linkedin.com/company/prometeo-openbankingFintech Confidential:Podcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSUPPORTERSUnder.io: Streamlines application and underwriting by digitizing PDFs for e-signature. under.io/FTCSkyflow: A zero-trust data privacy vault delivered as an API covering PCI, CCPA, GDPR, SOC 2, and beyond. skyflowsecure.comDFNS: Wallets as a service, API first, multi-chain, secured with MPC across 50+ blockchains. fintechconfidential.com/dfnsHawk AI: Real-time payment screening, AML transaction monitoring, and dynamic customer risk rating. gethawk.comABOUTGuest: Ximena Aleman is Co-Founder and Co-CEO of Prometeo. She started her career in journalism before moving into marketing and tech leadership, completing an MBA at Universidad ORT Uruguay. She was named one of the Top 100 Women in FinTech in 2024 and is a World Economic Forum Agenda Contributor.Company: Prometeo is an open finance infrastructure company providing a single API for cross-border banking, connecting 7,500+ financial institutions across Latin America and the US. The company is backed by PayPal Ventures, Samsung Next, and Antler.Host: Tedd Huff, CEO of fintech advisory firm Voalyre and host of Fintech Confidential. The show is produced by DD3 Media, delivering entertaining and informative content focused on the people, tech, and companies changing how you pay and get paid.DD3 Media is a multimedia and marketing agency founded by Tedd Huff specializing in content creation and production for the fintech and payments industry. As the production company behind Fintech Confidential, DD3 Media produces podcasts, live streams, video content, and onsite events for global audiences.CHAPTERS00:00 Episode Highlights00:54 Welcome to Fintech Confidential01:03 Dfns: Wallets as a Service (sponsor)02:25 Meet ProMateo Founder04:39 Outsiders Spot the Gap06:38 Infrastructure Before Open Banking10:21 Borderless Banking Explained16:21 Why US Banking Feels Messy18:56 Standardizing Fragmented Systems20:42 Agentic Banking Kickoff23:34 Limiting Agent Liability24:49 Compliance and B2B Accountability27:32 Monitoring Agents Like Card Rails30:07 Sky Flow: Building Fast and Secure (sponsor)30:30 Skyflow Privacy Vault31:10 AI Bookends And Middle32:01 US Credibility Milestones33:06 Account Verification Playbook35:56 FDATA Advocacy Meets Sales39:51 Crystal Ball Agentic Payments41:39 Open Banking Pricing Debate48:44 LatAm Vs US Open Finance51:27 Strategic Investors And Trust53:42 Women In Fintech Funding Gap55:36 Founder Advice And Farewell57:43 Show Wrap And Sponsor Reads58:29 Hawk AI - Realtime Fraud Monitoring (sponsor)59:15 DisclaimerThis has been a production of DD3 Media with all rights reserved. This content is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.© DD3 Media. All Rights Reserved.
