Building the Future of Finance in the Caribbean

We’re not cloning a Western fintech.

We’re creating an entirely new architecture for digital money:
AI-native, bi-lingual, and deeply local-first.

“If we can scale user-first, AI-enhanced fintech in London, why not in Santo Domingo?”

— Thomas K Matecki, Founder & CEO of NICO

+60%

of Caribbean adults are underbanked

$31B

in annual remittances to the region

of transactions in the region still in cash

80%

Building Financial Freedom through AI, Mobile-First Innovation, and Gender Equity.

AI-Powered Banking Solutions

Nico offers innovative, mobile-first banking services tailored for the Caribbean and beyond. Our AI-driven approach ensures smart financial management, secure transactions, and personalized support to enhance your banking experience.

Money moves fast. But most of us were never taught how to keep up.

At NICO, we’re flipping the script — making financial education simple, real, and built for how Gen Z actually lives. Whether you’re freelancing, saving for something big, or just trying to make it through the month, we’ve got your back with tools, tips, and smart guidance in your language. No lectures. No suits. Just the knowledge you need to own your financial future

Benefit-Driven Features

• Open Your Account in Minutes
  No paperwork, no fees. Just you and your phone.

• Spend Like a Pro
  Get a physical or virtual card that works everywhere.

• Real-Time Budgeting
  Track your spending, set smart goals, and save automatically.

• Send Money Anywhere
  Local transfers, international payments, or crypto remittances*.

• Built for Freelancers & Creators
  Get paid, manage invoices, and track your income in one app.

* Full set of features coming soon

Be first. Bank better.

Join the NICO waitlist and get early access to the Caribbean’s smartest new banking app. You’ll be the first to try our no-fee accounts, fast remittances, and AI-powered money tools — all before the rest of the world catches on.
No lines, no paperwork, just your future, unlocked.

Join NICO Telegram