Your Digital Transformation Partner for Growth
Cliqa started after seeing too many hardworking immigrants pay predatory fees just to send money to their families. Our own experience with remittances opened our eyes to how broken the system was — and how technology could fix it.
Cliqa bridges the digital inclusion gap. We give Financial Institutions the technology to compete in the digital payments market, while helping immigrant communities save thousands of dollars per year.
Our Mission
To Empower Your Mission
Our mission is to enable your mission. We execute a “Bodega Displacement” strategy, providing the secure technology that allows Regional Banks and Credit Unions to fulfill their core promise of financial inclusion.
We are the partner that helps you authentically serve the under-banked community, and recapture the member wealth currently being lost to predatory, alternative financial services.
Our Story
The Pivot from Product to Partner
Cliqa began its life as a DTC payments application , competing in the saturated, transactional space of “low-fee” transfers against the money transmitter giants like Western Union.
But through that experience, we discovered a more profound truth: the real market failure wasn’t just high P2P fees. The critical, unsolved problem was the lack of an institutional-grade bridge that would empower Regional Banks and Credit Unions to serve their members’ complete cross-border financial services—from paying essential bills in Mexico and 32 other countries to building wealth at home.
In 2021 we made a strategic pivot.
We rebuilt our company from the ground up, moving from a simple B2C product to a comprehensive B2B2C platform. We are no longer a payments app; we are an institutional partner designed for the specific needs of Regional Banks and Credit Unions.
Our Foundation
Institutional Trust & Compliance
We are not a typical, high-risk Fintech. We are an institutional partner built in the mold of trusted infrastructure.
Our strategic, deep-infrastructure alliance with 400+ international service and product providers enables a direct, secure, and scalable bridge into global payment ecosystems.
We manage the technological complexity so you can focus on what you do best: serving your members.
Our Vision
To Transform Payments into Data Intelligence
We see a future where cross-border payments are not a low-margin cost center, but a rich source of proprietary Data Intelligence.
Our vision is to be the engine that transforms your “credit-invisible” members into your most valuable, low-risk lending opportunities. We are a data company at our core , built to unlock the safe, sustainable lending growth that your CLO and board are seeking.
Let’s Build the Future of Community Finance. Together.
We are looking for mission-aligned partners ready to capture this $150B market.