What is ARQ?
Global financial platform for affluent consumers across the Americas.
- Category
- Consumer fintech
- Headquarters
- Mexico City, Mexico
- Founded
- 2021
- Employees
- 100+ reported
- Total funding
- $75M disclosed
- Valuation
- Not disclosed
What is ARQ?
Global financial platform for affluent consumers across the Americas.
ARQ is global financial platform for affluent consumers across the Americas. Public scale signal: more than 2M users and over $10B in annualized transaction volume reported in public coverage. The company operates in Consumer fintech, where product credibility, data quality, compliance, customer trust, and speed of execution shape the market.
This profile uses public sources as of June 2026 and avoids inventing private revenue, undisclosed pricing, office lists, personal emails, or internal vendor stacks. Sequoia provenance is included where Sequoia lists the company, published a company profile, or is named in a financing announcement.
For sellers, the practical read is that ARQ buys around its operating model: interchange, FX or conversion economics, payment fees, premium products, yield, investing, and credit products. Outreach should connect directly to executive priorities, measurable ROI, security review, and the teams that own the workflow.
What does ARQ offer?
ARQ offers Digital dollar accounts, Digital euro accounts, Cross-border transfers, Global Mastercard card, International payments and related workflows.
- Digital dollar accounts· Accounts
- Digital euro accounts· Accounts
- Cross-border transfers· Payments
- Global Mastercard card· Cards
- International payments· Payments
- Investing roadmap· Wealth
- Prestige credit card· Credit
How does ARQ make money?
ARQ monetizes through interchange, FX or conversion economics, payment fees, premium products, yield, investing, and credit products.
ARQ's public pricing view is: consumer fintech fees vary by product and country; no single universal price list. Where list prices are not published, this profile treats pricing as custom rather than inferring hidden rates or contract values.
The business model is interchange, FX or conversion economics, payment fees, premium products, yield, investing, and credit products. Growth is driven by adoption, retention, usage expansion, product attach, geographic reach, and the ability to prove measurable customer value.
Seller signal: budget owners vary by purchase category, but finance, security, legal, procurement, product, engineering, operations, and the business sponsor usually need to align before larger contracts close.
Who leads ARQ?
ARQ is led by Fernando Terres with Zach Garman and a scaling operating team.
- Fernando TerresCo-founder and CEOFounder since 2021Leads strategy and expansion from DolarApp to ARQ.
- Zach GarmanCo-founder and CPOFounder since 2021Product leader for consumer financial platform expansion.
- Alvaro Correa GallardoCo-founder and COOFounder since 2021Operations leader for regional growth and regulated workflows.
How do you contact ARQ's leadership?
ARQ does not publish verified personal executive emails in the reviewed sources. Use official contact, demo, support, investor, or careers routes instead of guessed personal addresses.
Personal executive email format not verified; use official company routesHow much funding has ARQ raised?
ARQ's funding/status view is $75M disclosed; latest valuation/status is Not disclosed.
ARQ's disclosed capital history includes: 2021 Founded as DolarApp (Kaszek says it partnered when the company was three founders and a pitch deck.) 2022 Seed funding (Public databases list early seed financing.) 2024-2025 Regional scale (DolarApp grows across Latin American corridors and card/payment use cases.) Mar 2026 Rebrand to ARQ (The company announces DolarApp is now ARQ.) Mar 2026 $70M financing (ARQ raises $70M led by Sequoia and Founders Fund.)
The latest funding/status view is Mar 2026 $70M financing; latest valuation/status is Not disclosed. If valuation is not disclosed, this profile says so rather than using secondary-market guesses. For public, acquired, or pre-IPO companies, status and operating scale can be more useful than old private round labels.
Seller signal: funding indicates potential operating capacity, but not automatic budget. Tie outreach to the initiatives named in the round, the company's current scale, and procurement maturity.
How did ARQ get here?
ARQ reached its current stage through founding, financing, product expansion, and market traction milestones.
- 2021Founded as DolarAppKaszek says it partnered when the company was three founders and a pitch deck.
- 2022Seed fundingPublic databases list early seed financing.
- 2024-2025Regional scaleDolarApp grows across Latin American corridors and card/payment use cases.
- Mar 2026Rebrand to ARQThe company announces DolarApp is now ARQ.
- Mar 2026$70M financingARQ raises $70M led by Sequoia and Founders Fund.
Who are ARQ's competitors?
ARQ competes with category-specific vendors and adjacent platforms that solve parts of the same workflow.
- WiseGlobal multi-currency account and low-cost international transfer platform.
- RevolutGlobal neobank with cards, FX, investing, and consumer banking products.
- Global66Latin America-focused international transfers and multi-currency financial services.
- AirtmDollar account and digital payments product popular in emerging markets.
- BeloCrypto and digital-dollar finance app for Latin American users.
ARQ — frequently asked questions
