Fintech Landscape
An evidence-based map of T&T's fintech and financial services landscape — licensed entities, regulators, and the rules of the road.
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Regulatory Update
T&T's first dedicated VASP statute received Presidential assent on 23 December 2025, ahead of the CFATF 5th Round Mutual Evaluation. The Act aligns T&T with FATF Recommendations 15 and 16 (Travel Rule, USD/EUR 1,000 threshold) and designates the TTSEC as the lead VASP regulator.
- Virtual asset activities as a business are temporarily prohibited until 31 December 2026, except for entities authorised by the TTSEC under a Regulatory Sandbox framework.
- 30-day notification window for pre-existing VASPs closed on 22 January 2026.
- Non-qualifying VASPs were required to cease operations by 7 April 2026.
- Fines up to TTD 5 million plus criminal sanctions for unauthorised virtual asset activity.
- FintechTT lobbied for a regulated approach over the originally proposed 2027 ban — successfully shortened the transition by one year.
Entity Catalogue
Curated, source-cited list of T's fintech and financial services players. Filter by category. Statuses reflect the entity's current standing with its primary regulator.
PayWise Limited
Mobile wallet and merchant payment service supporting QR, ePOS and LINX acceptance. Trinidad & Tobago's first authorised non-bank e-money issuer (provisional Sept 2022, full registration Oct 2023).
Parent: PayWise Limited (T&T)
Footprint: Trinidad & Tobago
Pesh Money Limited
Person-to-person digital wallet for storing e-money and peer transfers. Name from Trinbagonian slang for money. Provisional March 2023, full registration September 2023.
Parent: Privately owned (founder Simon Fortuné)
Footprint: Trinidad & Tobago
Telecommunications Services of Trinidad and Tobago Limited
Telco-led e-wallet integrated with bmobileGo and bmobile Prepaid Visa. P2P transfers, merchant payments, leveraging TSTT's mobile subscriber base.
Parent: TSTT (state-majority owned)
Footprint: Trinidad & Tobago
Massy Remittance Services (Trinidad) Limited
Digital wallet tied into Massy's remittance network and MoneyGram agency. Wallet-to-wallet transfers, bank cash-out, bill pay, in-store payments at Massy Stores.
Parent: Massy Group
Footprint: Trinidad & Tobago
WamNow Technologies Limited
Mobile wallet for individuals and micro-enterprises supporting e-money storage and electronic transfers. Visa and NPIC integrations announced October 2025. Powers FintechTT membership payments.
Parent: Privately owned (founder Mark Pereira; built by Zed Labs)
Footprint: Trinidad & Tobago
Republic Bank's social payments app — QR pay, P2P transfers, in-app messaging. Operates under Republic Bank's existing banking licence rather than the EMI Order 2020 regime.
Parent: Republic Financial Holdings Limited
Footprint: Trinidad & Tobago
MyCash (Trinidad & Tobago) Limited
Digicel-backed mobile money wallet that voluntarily surrendered its provisional EMI registration on 30 September 2024 before reaching full registration.
Parent: Digicel Group
Footprint: Trinidad & Tobago
Regulatory Bodies
The agencies that license, supervise and enforce T's financial services rules.
Oversees
Commercial banks, non-bank financial institutions, e-money issuers, payment service providers, insurance (Insurance Supervision Department under the Insurance Act 2018)
Notes
Issues EMI registrations under the E-Money Issuer Order 2020 (amended 2023). Maintains the public list of approved EMIs, PSPs and PSOs.
Oversees
Securities firms, broker-dealers, mutual funds, investment advisors. Lead VASP regulator under the Virtual Assets and VASP Act 2025.
Notes
Operates the regulatory sandbox for virtual asset service providers during the transition period ending 31 December 2026.
Oversees
AML/CFT supervision of Listed Businesses under POCA. Maintains the public Listed Business register.
Notes
Published the 2025 ML/TF National Risk Assessment of VAs and VASPs in March 2026, which informed the new VA/VASP Act.
Oversees
Credit unions and other co-operative societies under the Co-operative Societies Act.
Notes
Sits within the Ministry of Labour and Co-operatives. CBTT prudential oversight of credit unions is pending legislative reform.
This landscape is curated from authoritative public sources: the Central Bank of Trinidad and Tobago, the Trinidad and Tobago Securities and Exchange Commission, the Financial Intelligence Unit, regulator press releases, official lists, and primary company sources cross-referenced with reporting from Trinidad Express, Newsday, the Guardian and TechNewsTT.
Each entity in the catalogue carries source citations in the underlying dataset. We mark regulatory status conservatively — entities are only listed as “Licensed” where a regulator has issued formal authorisation. Entities in regulatory sandboxes or under provisional registration are clearly distinguished.
Spot a missing or out-of-date entry? Let us know — this list is maintained by the FintechTT community.