The Problem
If an Argentina-connected payment business receives or settles money associated with multiple customers, a normal corporate account may not be sufficient. An FBO or pooled structure can separate program funds from the operating company’s own money.
For Argentina-connected businesses, the issue is rarely the account number alone. Providers evaluate the complete flow of funds: who sends the money, where it originates, who owns it, why it is being moved, which payment rails are required, where it goes next, and whether the activity involves the company's own money or third-party funds.
That is why our approach starts with the transaction rather than with a random account application.
How We Can Help
Depending on the profile and provider approval, we can help assess and source a structure that may include:
- pooled/FBO account structure
- segregation of program funds
- customer-level ledgering
- payment rails
- KYC/KYB and AML controls
- licensed partner integration where needed
- reconciliation and reporting
The objective is to identify the smallest workable structure that supports the actual business requirement.
Typical Flow of Funds
CUSTOMERS / MERCHANTS
|
v
+-----------------------+
| FBO / POOLED ACCOUNT |
+-----------------------+
|
REGULATORY LEDGER
|
v
PAYOUT / SETTLEMENT
The exact legal and banking structure depends on the facts of the transaction, the account provider, the countries involved, and whether regulated payment activity is present.
Common Use Cases
Merchant Settlement
Receive and settle merchant funds within an approved structure.
Payment Platform
Handle multiple users under a program account.
Cross-Border Payments
Combine pooled banking with regulated settlement rails.
What Providers Will Usually Want to Understand
Before onboarding, expect questions around:
- company ownership and UBOs;
- business activity;
- source of funds;
- source country and sending institution;
- destination country and beneficiary;
- currencies;
- expected monthly volume;
- number of transactions;
- average and maximum ticket size;
- whether third-party funds are involved;
- whether crypto or stablecoins are involved;
- payment rails required;
- major counterparties;
- and the commercial or investment purpose of the transaction.
A complex transaction is not necessarily unbankable. An unexplained transaction is much harder to place.
What We Need From You
Send us the company profile, required currencies and payment rails, incoming and outgoing countries, monthly volumes, transaction counts, average and maximum ticket sizes, major counterparties, whether funds are corporate or third-party, whether crypto is involved, and the specific banking problem you are trying to solve.
If you already have a flow-of-funds diagram, send it. If not, describe the transaction in plain English and we can convert it into one.
Frequently Asked Questions
Can an ordinary company use an FBO account?
FBO structures are typically designed for programs involving multiple beneficiaries or users and require provider approval.
Does an FBO account solve licensing?
No. Banking structure and regulatory coverage are separate questions.
Can it support international payouts?
Potentially, if the provider and licensed program support the corridors.
Related Pages
Talk to Us About an FBO or Pooled Account
Tell us how the money moves. We will assess the account structure, payment rails, regulatory considerations, and provider type that may realistically support the transaction.