Alguna, a fintech startup focused on simplifying cross-border payments and financial access, has raised $4 million in Seed funding. The round was led by Mango Capital and Atlantic Labs, with additional participation from a network of strategic investors.

Co-founded by Aleks Đekić and Jamie MacLeod, Alguna is on a mission to make international transactions faster, cheaper, and more accessible for businesses and individuals. With the global economy increasingly interconnected, Alguna is positioning itself to solve one of fintech’s most persistent challenges: the inefficiencies of moving money across borders.

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Tackling the Cross-Border Payment Problem

Cross-border financial transactions remain notoriously complex. Traditional banking systems rely on outdated networks, charging high fees while delivering slow settlement times. According to McKinsey, cross-border payment revenue reached $250 billion in 2023, and is projected to grow at 6% annually, fueled by global trade and digital commerce.

Yet despite this growth, inefficiencies abound. Businesses face hidden costs averaging 7% per transaction, and settlement delays can stretch for days. For small and mid-sized enterprises, these frictions create liquidity challenges that stifle growth.

Alguna aims to eliminate these bottlenecks by building a platform that leverages modern infrastructure to provide transparent, low-cost, and near-instant cross-border transactions. Its vision is to create a financial backbone that supports entrepreneurs, digital nomads, and global enterprises alike.

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How Alguna Stands Out

While many fintech startups are innovating in payments, Alguna is focused on bridging the gap between traditional finance and emerging digital solutions. Its platform is designed to:

• Enable real-time international payments with reduced fees.
  
• Offer transparent pricing models, eliminating hidden costs.
  
• Integrate compliance and regulatory requirements, ensuring global accessibility.
  
• Scale seamlessly for both individual users and enterprise clients.
  

The fintech industry itself is on a rapid rise. Allied Market Research projects the global fintech market will exceed $700 billion by 2030, with cross-border payments being one of the most competitive and fastest-growing verticals. Alguna’s ability to deliver both cost savings and reliability positions it uniquely in this crowded but lucrative market.

And here’s the founder insight hidden in this story: Alguna isn’t just selling faster transactions- it’s selling trust. In industries where money movement underpins survival, startups win when they can build confidence at every step of the customer journey. For founders in any sector, the lesson is the same: you don’t just compete on speed or price- you compete on whether customers believe your product will work every single time without fail. That belief is what turns users into evangelists and pilots into scale.

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Why It Matters Now

Globalization and the rise of remote work are making cross-border transactions more critical than ever. According to Visa, over $150 trillion in global B2B cross-border payments will be transacted annually by 2030, up from $120 trillion in 2022. Meanwhile, freelancers, contractors, and global teams are increasingly demanding instant and reliable access to funds.

Traditional systems can’t keep up with this shift. That’s why fintech challengers like Alguna are stepping in- offering infrastructure that doesn’t just mimic banks but redefines how global money movement should work in a digital-first world.

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Backing from Experienced Investors

The $4 million Seed round is backed by firms with a strong track record of spotting fintech winners. Mango Capital and Atlantic Labs bring both capital and strategic expertise, particularly in scaling SaaS and financial platforms. Their involvement signals confidence in Alguna’s model, as well as its ability to compete in a highly regulated and competitive market.

By surrounding itself with investors who understand both technology and compliance, Alguna gains an advantage in navigating the complex landscape of cross-border finance.

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What’s Next for Alguna?

With fresh funding in hand, Alguna is set to:

• Expand its engineering and compliance teams to strengthen platform infrastructure.
  
• Launch new integrations with banks and fintech partners to increase coverage.
  
• Pilot enterprise-level solutions for SMBs and multinational corporations.
  
• Focus on user acquisition by targeting digital-first businesses and global freelancers.
  

For customers, this means more accessible, affordable financial services that adapt to their needs. For the broader industry, it marks another step in dismantling the outdated frameworks that currently govern global money movement.

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The Outlook: Cross-Border Fintech’s Rapid Rise

The fintech landscape is evolving quickly. Industry analysts estimate that digital cross-border payments will grow at a CAGR of 10% through 2030, outpacing domestic payment growth. Startups like Alguna are not only competing with banks but also with fintech giants like Wise, Revolut, and Payoneer.

However, the opportunity remains vast. The majority of global transactions are still processed through legacy systems, leaving room for challengers that can deliver better speed, transparency, and cost-efficiency.

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Final Thoughts

Alguna’s $4 million Seed round marks the beginning of a bold journey to modernize cross-border financial services. Led by founders Aleks Đekić and Jamie MacLeod, the company is building a platform designed for a world where money moves as freely as information.

For founders, the key lesson is clear: disruption happens when you turn trust into infrastructure. Alguna isn’t just solving payments- it’s redefining the standard of reliability in a global economy that demands both speed and certainty.

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