Avalo is the company. Ionfi is our flagship product — the cross-border payments and compliance solution we're best known for. In formal materials, you'll often see it written as Ionfi by Avalo. 

No. Avalo is the bank-governed platform that gives regulated institutions access to the U.S. financial system. Ionfi by Avalo — our flagship product — is the cross-border payments and compliance solution that runs on it. The funds and the regulatory oversight sit with our U.S. partner banks; our role is to make that access usable, compliant, and efficient for the institutions on both sides of the network. 

Avalo is headquartered in the United States. Our clients are primarily regulated financial institutions across Latin America, the Caribbean, Europe, and Africa, transacting into and out of the U.S. through our partner-bank network. 

We work with regulated banks, fintechs, and financial institutions that need reliable, compliant access to the U.S. financial system. Our typical clients are small to mid-sized institutions — sophisticated enough to demand serious infrastructure, underserved by the largest U.S. banks, and looking for a counterparty that operates the way they do. 

We've brought everything we do under one company name — Avalo. Ionfi remains our flagship product and continues exactly as it does today. The change is one of clarity, not capability: one company, one consistent way of presenting ourselves to clients, partners, and regulators. 

Ionfi gives our clients access to the U.S. financial system through named accounts at our U.S. partner banks. Funds are held by the partner bank. Activity is monitored by our compliance framework. Transactions move on Fedwire and other domestic rails — fast, traceable, and governed by the same standards a U.S. institution would expect of itself. 

The funds are held by our regulated U.S. partner banks, in named accounts on behalf of our clients. Avalo does not hold client funds. This is a foundational part of how the model is designed — and one of the reasons examiners and compliance teams are comfortable with it. 

A named account is exactly what it sounds like: an account at a U.S. partner bank that's named to the client institution, not pooled with others. It matters because it gives our clients the transparency, traceability, and operating clarity their own examiners and counterparties expect — something that pooled or omnibus structures don't always provide. 

Avalo operates inside a bank-governed model. That means our partner banks set the rules of the road, our compliance framework is built to satisfy their examiners, and every transaction is monitored against U.S. and global regulatory standards. We work inside the same framework banks trust — not around it. 

Compliance sits at the center of how we operate, not at the edge. Our KYCC (Know Your Client’s Customer) framework gives our partner banks visibility into the full chain of activity behind every transaction — not just the immediate counterparty. That's what allows us to operate inside a bank-governed model that satisfies their examiners, not just ours. 

We work best with regulated financial institutions — banks, fintechs, and licensed money service businesses — that need a serious counterparty for cross-border activity into and out of the U.S. If you're a mid-sized institution that values speed, compliance discipline, and a relationship-led operating model, that's our sweet spot. 

We don't work with unregulated entities, and we don't work with institutions that aren't prepared to operate inside a compliance-first framework. Our partner banks set the standard, and we hold the line — that protects everyone in the network. 

Onboarding timelines vary based on the institution and the activity profile, but we're built for a faster path than a traditional U.S. bank correspondent relationship. Most of our clients are operational within weeks of completing due diligence — not months. 

Pricing is structured around the activity profile of each client and is discussed directly as part of the onboarding conversation. We're transparent about how it works once we understand what you're trying to do. 

The fastest way is through this contact form on our site. A member of our team will respond within one business day. 

Yes. The Avalo platform is API-first by design, with REST and webhook integration into core banking, ERP, and risk systems — alongside other connectivity options to fit how our clients already operate. 

We support transactions in over 100 currencies, with a primary focus on flows into and out of the U.S. for clients in Latin America, the Caribbean, and Europe. 

Every client has named points of contact on our team — not a ticketing queue. Support is available by phone and email, and our compliance and operations teams are accessible directly when something needs a real conversation.