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Takenos monetizes through five complementary revenue streams that span both its B2C and B2B activity: FX and trading desk spreads, card interchange and issuance fees, interest earned on deposited balances, fees on payment links and collections, and spreads on the purchase and sale of investment products. Together, these streams turn wallet activity, balances, and transaction volume into multiple, reinforcing sources of revenue.

1. FX & Trading Desk

Takenos started as a B2C product. As the business grew, the team identified clear synergies between serving individual users and expanding into B2B — and an opportunity to capture more value from the local presence, brand, and regulatory moat Takenos had already built in each market. This insight led Takenos to launch its own trading desk alongside its first B2B business, in Bolivia, supported by arbitrageurs and internal liquidity providers.

Operating a proprietary FX trading desk allows Takenos to:

• Provide continuous liquidity across supported currencies and stablecoins, serving both domestic companies accessing foreign currencies and international companies operating locally
• Execute FX conversions efficiently, reducing dependence on traditional banking intermediaries
• Capture spreads while improving execution quality and reliability for customers

Because the desk monetizes flows from both B2C and B2B activity, it operates over a single, aggregated volume rather than fragmented, isolated flows. The combined volume from both businesses expands Takenos' margins while simultaneously improving the value proposition offered to customers, through better pricing and execution.

2. Card Economics

Cards monetize through interchange and issuance fees:

• Global USD card (international): 50 bps net interchange
• Spicy card (Argentina, ARS-denominated): 1.1% net interchange

In addition, card issuance generates upfront revenue:

• $5 virtual cards (with occasional promotional discounts)
• $20 physical card

This creates both transactional and fixed revenue streams tied to wallet activity.

3. Interest on Balances

Takenos generates approximately 3.6% yield on deposited balances. A portion of this yield is shared with users based on tier thresholds, creating: