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Even with all the economic struggles, Argentina was ahead many countries in the world regarding bank integrations. For years you can make immediate wire transfers between banks without any extra fee (beyond the taxes imposed by the state). If you want to create a digital wallet you don't need to be a bank, you can register as a payment processor and get virtual bank accounts (CVU) for every user which are compatible with the banking system. MercadoLibre/MercadoPago is one of the top players in this space and use a banking API (https://apibank.bind.com.ar/) behind the scene.