Building Real-Time Payments For The
Subscription-Free Era
Empowering businesses and consumers with seamless, programmable payments.
Our Mission
To make payments simple, fair, and efficient. Money should move as easily as information: instant, transparent, and without borders.
What We Do
For Businesses
Boost profitability and keep customers happy. We integrate with your existing wallet or provide a white label solution tailored to you.
For Consumers
Pay only for what you use. No subscriptions, no commitments, just freedom and flexibility.
Our Promise
With Wallet Guru, everyone benefits.
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Businesses earn more while spending less.
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Consumers gain total freedom and control.
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Payments stay fast, transparent, and fair.
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Who We Are
Wallet Guru is a family-owned company founded by Emilio Rubio, Fernando Almiñana, and Emiliana Rubio. What started as a vision to create smarter, more inclusive payments has grown into an open, interoperable payment network powered by the Interledger Protocol (ILP).
Our infrastructure supports real-time transfers across currencies and platforms, enabling innovations like streaming payments, usage-based billing, and dynamic pricing. From monetizing content to powering connectivity, Wallet Guru gives businesses and consumers the flexibility to transact in ways that match the on-demand economy.
Registered as a U.S. Money Services Business (MSB) and fully compliant with KYC/AML regulations, we operate from Florida with trusted partners across the U.S. and Latin America.