Built in Puerto Rico.
Connected to the world.
Founded in Puerto Rico and fully regulated under U.S. banking law (Act 273), Areti Bank connects Latin American individuals, entrepreneurs, and companies to the strength of the U.S. financial system—without borders, bureaucracy, or branches.
Our Mission
To provide secure, transparent, and fully digital banking solutions that connect individuals and businesses in Latin America to the U.S. financial system—without borders, paperwork, or complexity.
Our Vision
To become the leading U.S.-regulated online bank for global clients—empowering people and companies across Latin America to manage, grow, and protect their wealth through world-class digital infrastructure.
Our Goal
To redefine cross-border banking by offering seamless access to U.S. dollar accounts, international payments, and investment tools—entirely online, fully compliant, and tailored to the real needs of emerging markets.
Meet the team behind the vision
Our Board of Directors
Gustavo Núñez
Executive Director
Moisés Ocasio
President & COO
Heiner Speich
Chairman and CEO
Tulia Hernández
Executive Director
Are you ready
to take control?
Join the new wave of digital banking. Open your Areti account in minutes and manage your finances with confidence, wherever you are.