Littio offers USD and EUR accounts with up to 12% APY for LatAm

Littio is a Colombian neobank founded in 2021 and backed by Y Combinator. The mobile app provides U.S. dollar and euro accounts that include real U.S. routing numbers and European IBANs. Littio says account setup takes about five minutes.

Accounts include a Mastercard debit card available as a physical or virtual card, with no monthly fee and no international purchase fees. The card supports Apple Pay and Google Pay and permits ATM withdrawals from dollar balances.

Littio’s Pots are savings vaults that channel USDC and EURC balances into tokenized U.S. Treasuries and other real-world assets through OpenTrade on the Avalanche blockchain. The company reports free-tier yields of roughly 7% to 9% APY and paid-tier yields up to 9% to 12% APY, with higher yields tied to term length and membership tier. Many Pots offer auto-renewal and some allow early withdrawal without penalty in specified cases.

Customers can receive wire transfers, ACH payments and inflows from services such as Wise, PayPal, Deel and Payoneer. Colombian users can top up local currency via PSE, Nequi and Bancolombia. Littio-to-Littio transfers are instant and free. Local withdrawals complete in under 24 hours and international transfers take one to two business days.

Littio operates as a facilitator in Colombia rather than as a licensed deposit-taking bank. Funds are held and settled using USDC and EURC through Circle-linked infrastructure and partner U.S. banks. The company does not provide FDIC-equivalent insurance on customer balances and discloses platform and counterparty risks in its terms.

The platform reports more than 500,000 users, primarily in Colombia, and says historical transaction volume through Pots exceeds $80 million. Littio has raised about $4.2 million, lists a past reported valuation near $11 million, employs roughly 25 to 43 people and previously reported about $3.8 million in revenue.

User reviews vary by platform. The iOS app rating is about 4.6 out of 5, while Google Play shows a rating near 3.2 from more than 5,800 reviews, with complaints citing bugs, account freezes and withdrawal delays. Key partners named by the company include OpenTrade for yield infrastructure, Circle for stablecoin settlement, Mastercard for card issuance and a U.S. lead bank for routing and ACH details.

Littio offers a paid tier, Littio PRO, priced at about $7 per month. PRO increases Pots yields by up to two percentage points, adds 1% unlimited cashback on national purchases, priority support, access to a personal FX trader and higher transfer limits.

Competitors in the region that hold banking licenses include Bitso and Global66. Regulators and investors continue to review fintechs that combine stablecoins, tokenized assets and consumer banking rails. Littio advises users to verify current rates and terms in the app.