99 Startups

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Saptiva is a technology company that specializes in providing artificial intelligence (AI) infrastructure and tools for businesses of all sizes. It offers a platform that enables enterprises to access top-performing large language models (LLMs), intuitive software development kits (SDKs), and application programming interfaces (APIs) instantly, all hosted on its cloud infrastructure in Latin America. The company's AI platform is designed to empower businesses by automating actions and providing insights, with a focus on optimizing workflows and decision-making processes securely and efficiently.

Kala is a fintech platform dedicated to enhancing financial inclusion for underbanked individuals in Latin America. It operates through a B2B2C credit model, focusing on providing innovative lending products. The company's initial offering, Pension Deducted Loans, targets the Silver Economy in Colombia, facilitating loan repayments directly from government-backed pension funds. Kala's infrastructure supports a range of lenders, including banks and credit unions, alongside businesses that provide credit programs. By streamlining the lending process into a fully digital experience, Kala aims to improve accessibility to financial services and maximize revenue generation for its partners.

Palomma is a technology company that offers a payment solution aimed at reducing card fees for merchants by facilitating direct payments from customers' bank accounts at checkout. The platform provides a secure, one-click payment method that allows users to make transactions effortlessly while earning rewards at participating businesses. By focusing on instant account-to-account payments, Palomma's infrastructure supports merchants in Latin America, helping them lower processing costs and improve conversion rates. The company's innovative approach to payment processing enhances the overall transaction experience for both merchants and consumers.

MEDU Protection specializes in the development of sustainable medical equipment aimed at safeguarding healthcare professionals. The company offers a line of reusable personal protective clothing, such as surgical gowns, head coverings, and full-body suits, designed to replace single-use garments and minimize waste. By focusing on innovation, MEDU Protection creates virus-resistant products that not only enhance safety for medical workers but also promote environmental sustainability. In addition to its protective gear, the company has developed software that tracks the real-time useful life of these garments, enabling healthcare professionals to manage their supplies more effectively and reduce their carbon footprint.

Koywe is a technology company that specializes in providing payment APIs and SDKs, enabling businesses to integrate cryptocurrency services into their offerings. The company focuses on developing web3 wallet technology that facilitates the buying and selling of cryptocurrencies. By offering well-documented and user-friendly tools, Koywe allows developers to quickly leverage blockchain technology to create applications for remittances, digital wallets, and investment services. This approach helps companies seamlessly connect their wallets and portfolios, enhancing their financial service capabilities in the evolving digital landscape.

EFEX is a platform that helps businesses and individuals to make and manage their payments. EFEX offers international and domestic payments, invoicing, reconciliation, collection, and risk analysis of its clients. This allows our customers to engage in smarter, simpler, faster payments and trade.

Cuéntame is a B2B mental well-being company focused on the Latin American market, providing personalized mental health resources for employees and their families. The platform enables organizations to offer accessible and professional wellness sessions that can be accessed globally, allowing employees to engage in mental health care whenever and wherever they need it. By utilizing technology and data analysis, Cuéntame helps businesses foster mentally healthy environments. The platform features a questionnaire to assess individual needs, enabling users to select tailored services and schedule private and secure sessions based on their preferences. Through the use of artificial intelligence, Cuéntame delivers personalized wellness journeys, ultimately aiming to enhance employee well-being while generating a return on investment for companies.

Bemmbo is a Chilean company founded in 2022 that specializes in accounting software aimed at automating accounts payable and receivable processes. Headquartered in Santiago, Bemmbo's platform streamlines payment management by centralizing transactions, maintaining approval flows, and facilitating instant payments. This automation allows businesses to efficiently reconcile payments and manage expenses, significantly reducing the time and resources required for supplier payments and financial reporting. By enhancing the efficiency of financial operations, Bemmbo helps companies save both time and money.

Cucuru is a provider of an advanced infrastructure platform focused on business-to-business collection services. The company offers a native access-to-finance layer, which enhances the efficiency of collection processes for its clients. With a design that supports scalability and replication, Cucuru's platform is currently operational in Mexico, Brazil, and Argentina. Its open architecture and white-label capabilities allow businesses to customize solutions to meet their specific needs, thereby streamlining operations in the digital collection space.

Vivanta is a software developer that specializes in providing API solutions for accessing digital biomarker data. The company offers a comprehensive software suite designed to help engineers and product managers connect, interpret, and integrate this data into their products. By utilizing advanced analytics and AI algorithms, Vivanta aids businesses in enhancing consumer experiences, particularly in the insurance and reinsurance sectors. Its services allow these companies to better understand risk related to life and health insurance products, leveraging behavioral and health data sourced from smartphones and smartwatches.

Qurable is a SaaS and BaaS platform focused on transforming loyalty programs through the use of artificial intelligence and blockchain technology. The platform enables the development of interconnected loyalty programs and personalized rewards, which significantly improve customer engagement. By turning loyalty points into valuable assets, Qurable makes these rewards easily exchangeable within multi-brand ecosystems, enhancing accessibility and user experience. Additionally, the company operates a relationship management platform that connects audiences with creators, allowing for ownership of digital assets and fostering interactions among brands, creators, and consumers. This approach facilitates unique collaborations in the metaverse, blending digital and physical goods in innovative ways.

DeltaX is a digital freight platform that connects shippers with carriers and truckers in Latin America.

MegaBite is a multibrand cloud kitchen restaurant that specializes in offering premium gastronomic brands at midrange prices targeted at the middle class in Latin America. The company operates exclusively through digital channels, utilizing integrated kitchen software and hardware to facilitate efficient order processing. MegaBite runs its operations from rented dark kitchens, which allows for a modular growth model that enhances scalability. This innovative approach enables the opening of new kitchens with significantly lower capital expenditure and much faster timelines compared to traditional restaurants. Operating in Mexico and Peru, MegaBite has achieved impressive growth, averaging 30% month-over-month since its inception. The platform provides customers with access to a variety of virtual restaurant brands, enhancing their culinary choices while ensuring a seamless online ordering and delivery experience.

HoyTrabajas is a Bogotá-based company that operates a job search platform aimed at improving the quality of life for users by helping them find suitable employment across various categories. Designed as an HR-Tech solution, the platform is particularly focused on assisting companies in Latin America that face high turnover rates, enabling them to attract and retain low-skilled talent within a short timeframe. Utilizing artificial intelligence algorithms, HoyTrabajas enhances the matching process between job seekers and job offers, thereby promoting employability, inclusion, and labor mobility while also reducing staff turnover for organizations.

HippoBuild specializes in automating and optimizing back office functions and supply chain operations for small and medium-sized construction companies. The company offers enterprise resource planning (ERP) software that serves as a marketplace and financing solution tailored for these firms. Its software enables users to monitor project progress and manage material demands, helping contractors reduce material costs, increase sales, and save significant time and money. The onboarding process is designed to be straightforward, requiring only a few minutes to complete.

Plenna is a healthcare provider based in Mexico City, Mexico, specializing in gynecology and offering both in-person and online check-ups. The company aims to deliver comprehensive care to middle-income women, addressing various health needs including gynecology, psychology, nutrition, laboratory tests, vaccines, and general medicine. By providing these services, Plenna empowers women to make timely and informed decisions regarding their sexual and reproductive health.

Apprecio is a financial super app based in Mexico City, Mexico, founded in 2021. The company specializes in providing a point-of-sale application tailored for grocery stores, enabling retailers to manage their operations efficiently. Apprecio's platform facilitates card and QR code payments, allowing shopkeepers to track expenses and income seamlessly. The application offers features such as product scanning and margin calculation, helping users determine suggested pricing based on local market conditions. Overall, Apprecio aims to simplify financial management for small retailers, enhancing their ability to operate effectively in a competitive environment.

RUUT functions as a Registered Investment Advisor and Money Transmitter in Mexico, providing a platform that connects individuals with digital banking accounts to those seeking personal investment opportunities. The company offers a user-friendly, commission-free investment product designed for beginners, featuring investment advisory services, a newsfeed, and an impact investment tracker. By prioritizing security with bank-level measures, including SSL and 256-bit encryption, RUUT ensures the safety of users' data and funds. This approach aims to facilitate low-cost, long-term investment strategies for non-investors, effectively bridging a gap in the financial ecosystem.

Ozon Mobility is a marketplace focused on providing access to second-hand micromobility vehicles, including bikes, e-bikes, scooters, and mopeds, through monthly subscriptions. The company also specializes in motorbike rental software that facilitates motorcycle financing, aiming to enhance financial inclusion for individuals underserved by traditional banking systems. By purchasing used motorcycles and offering them through financing options, Ozon Mobility enables gig workers to acquire affordable transportation solutions, thereby supporting their mobility needs while promoting sustainable urban transportation.

Qurable is a SaaS and BaaS platform focused on transforming loyalty programs through the use of artificial intelligence and blockchain technology. The platform enables the development of interconnected loyalty programs and personalized rewards, which significantly improve customer engagement. By turning loyalty points into valuable assets, Qurable makes these rewards easily exchangeable within multi-brand ecosystems, enhancing accessibility and user experience. Additionally, the company operates a relationship management platform that connects audiences with creators, allowing for ownership of digital assets and fostering interactions among brands, creators, and consumers. This approach facilitates unique collaborations in the metaverse, blending digital and physical goods in innovative ways.

Pari is the online Liquor Store next door.

Konta is an online accounting service based in Monterrey, Mexico, focused on assisting micro and small businesses. Founded in September 2019 by José Menéndez and Pablo Icaza, Konta aims to simplify business operations for freelancers and small entrepreneurs through a cost-effective and automated platform. The service enables users to generate invoices, maintain accounting records, and supports electronic tax filing, facilitating efficient financial management. By providing these tools, Konta helps small businesses navigate their accounting needs more easily.

Mujer Financiera is a startup dedicated to reducing the gender gap in financial inclusion for women, particularly in Latin America. The company provides a financial education platform that focuses on enhancing women's financial literacy through a comprehensive academy covering topics such as budgeting, saving, and investing. In addition to educational resources, Mujer Financiera offers a user-friendly application that helps women track their finances effectively. The platform also fosters a supportive online community, empowering women to make informed financial decisions, start saving, invest wisely, and manage their personal finances. Through these initiatives, Mujer Financiera aims to equip women with the knowledge and tools necessary to achieve their financial goals and build a secure financial future.

Talently is an educational platform based in Lima, Peru, focused on enhancing the career prospects of Latin American software developers. The company offers an intensive online program delivered in English, which includes training in English communication skills, remote work competencies, and technical knowledge. Additionally, Talently provides career mentoring, skills assessments, and mock interviews to prepare participants for the job market. By equipping tech talent with the necessary skills and resources, Talently aims to facilitate access to better job opportunities in the global technology industry.

Pefai is a software platform that allows designers to transform their Figma website designs into fully functional websites without the need for coding. By simply creating a design in Figma and sharing it with Pefai, users can seamlessly convert their concepts into operational web pages. The platform focuses on simplifying the website creation process, enabling creators to deliver personalized experiences for their clients and collaborators. Utilizing artificial intelligence, Pefai reduces the complexities typically associated with web development, making it accessible for designers who may not have technical expertise.

Levo is a marketplace that provides consumers with the ability to purchase and manage promissory notes while retaining their existing banking relationships. It offers a regulated treasury management platform that facilitates intelligent cash management services. Through its Crowdsaving mechanism, Levo enables users to access favorable interest rates on their savings without requiring minimum deposit amounts. This collective savings system allows consumers to optimize their idle cash by implementing customized investment and working capital strategies, enhancing their overall financial management.

DolarApp is a financial application designed to facilitate access to USD for users in Latin America. It enables individuals to open a bank account that allows for seamless conversion between pesos and USD Coin (USDc), a dollar-denominated stablecoin. Users can receive, send, and pay in both currencies, enhancing their financial flexibility. The app also provides features for real-time transaction monitoring, enabling users to manage their finances effectively. In addition, DolarApp offers a global Mastercard that allows users to make purchases with USDc and earn up to 4% cash back on transactions, promoting savings and investment opportunities in dollars.

Ancana is a proptech company that offers a real estate marketplace for fractional ownership of luxury vacation homes, particularly in destinations like Mexico. By partnering with top developers, Ancana simplifies the complexities of purchasing and managing a vacation home, allowing individuals to own a share of a property without the burdens associated with full ownership. The company's model not only provides access to premium properties but also facilitates the enjoyment of amenities, rental income opportunities, and potential property appreciation. Ancana employs technology to streamline the process, ensuring that scheduling and management are seamless for owners, making luxury vacation home investment more accessible and hassle-free.

Palenca is a company that specializes in a payroll application programming interface (API) designed to simplify the sharing of employment data between consumers and financial institutions. Its technology allows for the validation of income and employment information, providing clients with access to workers' personal profiles and earnings. This capability not only streamlines the background verification process but also facilitates automated collections directly from borrowers' paychecks, enhancing the overall efficiency of financial transactions related to employment verification and loan repayments.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Bego is a marketplace focused on facilitating trade between the United States and Mexico. The company has developed a fleet management application that enhances the logistics process by allowing users to track the status of their merchandise in real-time. This application enables shippers to find, quote, and book transport fleets efficiently while providing automatic notifications regarding the pickup and delivery of goods. By streamlining these processes, Bego aims to improve the overall efficiency and transparency of cross-border trade operations.

Flat.mx is the one-stop-shop for residential real estate in Mexico that simplifies the home-buying experience. They provide multiple products and services including home brokerage, a marketplace, and credit products.

It is to provide the Mortgage of the Future, a better mortgage loan through an exceptional service that fits your needs. They provide an alternative to the complicated and traditional procedures of the past, modernizing the experience of their users through an agile and avant-garde service with personal advice and fair rates.

Heru is a company focused on enhancing the lives of gig-economy workers by offering a comprehensive suite of services tailored to their needs. Founded in 2019 by Mateo Jaramillo and Stiven Rodriguez Sanchez, and based in Mexico City, Heru aims to improve the conditions of independent workers through technology-driven solutions. The company's financial technology platform provides essential tools for managing accounting, including electronic invoicing and tax management. It offers customized insurance policies, working capital, credit options, and financial guidance, as well as facilitating tax declarations and providing cell phone data plans. Heru's mission is to empower freelancers and independent workers by simplifying their financial responsibilities and ensuring they have access to necessary resources and expert assistance.

Orchata is a software platform designed for grocery stores and food suppliers, facilitating online order management and delivery services. Founded in 2020 and based in Monterrey, Mexico, Orchata enables suppliers to receive orders, accept payments, and optimize delivery routes while providing analytics on revenue, orders, and customer behavior. The platform supports a wide range of grocery items, including fresh produce, proteins, snacks, and household essentials, allowing consumers to receive their groceries within 15 minutes at supermarket prices. By offering tools for promotions, referrals, and group buying, Orchata aims to assist independent grocery businesses in enhancing their operations and reaching customers more effectively.

Yotepresto is a rapidly growing Mexican marketplace lending platform that connects individual and institutional investors with near-prime borrowers seeking personal loans. The company operates an online lending platform that facilitates the connection between borrowers and retail as well as institutional investors. Yotepresto specializes in unsecured personal installment loans and employs a proprietary scoring model to analyze and assess risk, which helps define interest rates for each customer. This innovative approach enables clients to effectively crowdfund their loans, making it easier for borrowers to access the funds they need.

Plerk operates an employee benefits management platform focused on booking and managing business trips. The platform streamlines the organization of business travel by connecting professional travelers with companies, facilitating quick and efficient travel management. It offers an end-to-end travel solution that allows companies, managers, and travelers to effectively monitor and control travel expenses. By aligning travel policies with user behavior, Plerk encourages cost-effective decision-making, ultimately saving time and money for businesses in their travel processes.

Cubo is a developer of a payment services platform. They offer small and medium businesses, starting with the point-of-sale systems that make payment accessible for merchants.

Mureni is a healthcare startup based in Mexico City that focuses on enhancing dental practices in Latin America, specifically in Mexico and Brazil. The company provides innovative dental aligners that utilize advanced three-dimensional scanning and printing technologies. This approach allows patients to receive effective orthodontic treatment without the need for traditional metal braces or frequent visits to an orthodontist, ensuring a more comfortable experience. By integrating technology into dental practices, Mureni aims to help dentists increase their revenue and streamline their operations while offering patients a modern, pain-free solution for teeth alignment.

Aplazo is a fintech company that focuses on enhancing financial access and opportunities in Mexico. Its platform allows users to make online purchases at affiliated stores and pay for them in installments. Customers can apply through the website and choose a delayed payment option, which enables them to manage their finances more effectively. This installment payment plan not only benefits users by providing flexibility in payment but also helps businesses expand their customer base by tapping into new marketing channels. Aplazo aims to empower individuals with financial solutions that promote responsible spending and improve overall access to goods and services.

Vinco helps companies empower their workforce via education opportunities.

OnTop is a platform designed to simplify the process of hiring and managing global teams. It provides a streamlined solution for companies to onboard, manage, and pay employees in US dollars, effectively removing the complexities associated with remote hiring. The platform features intelligent contracts and a global payment network that facilitates payroll management. Additionally, OnTop automates the filing of necessary documents and government forms during the hiring process, allowing businesses to efficiently find and integrate suitable candidates without the usual challenges. Overall, OnTop aims to enhance the experience of remote workforce management through its user-friendly software.

100 Ladrillos is an innovative online marketplace focused on real estate investments, allowing users to acquire fractional ownership in various properties through a blockchain-powered platform. This approach enables investors to diversify their portfolios by purchasing small shares in different real estate assets. The platform ensures security by utilizing a bank trust to protect investments, while also managing rental deposits and facilitating property sales. By leveraging blockchain technology, 100 Ladrillos simplifies the process of buying and managing real estate investments, making it accessible to a broader audience.

Baubap is a financial technology company that specializes in microlending, providing a platform for personal loans. Founded in 2018 by Luis Villarreal, Roberto Salcedo, and Conrad Wilkinson Schwarz, the company is based in Mexico. Baubap's mobile application allows customers to access instant loans without the need for documentation or complex procedures, enabling users to apply for loans conveniently at any time and from any location. This streamlined approach simplifies the borrowing process, making financial assistance more accessible to individuals.

Fintual is a digital investment platform based in Santiago, Chile, that focuses on managing investments for young professionals seeking to make informed financial decisions. Founded in 2018 by Pedro Pineda, Omar Larré, Agustín Feuerhake, and Andres Marinkovic, the company provides low-commission accounts that emphasize passive investment strategies. Utilizing artificial intelligence, Fintual assesses clients' risk profiles and offers personalized investment recommendations, making it easier for users to gain essential financial knowledge and invest online.

Apperto Inc. is a digital platform provider based in Venado Tuerto, Argentina, with an additional office in Belgrano. Founded in 2017, the company focuses on enhancing interaction among users and businesses within local communities, particularly in low-tier cities and rural areas of Latin America. Its application facilitates online ordering, coupon distribution, and digital wallet services, allowing users to connect with shops and friends. By offering solutions that support in-store digitization, Apperto aims to empower small and medium-sized businesses to leverage technology, improving accessibility and convenience for clients seeking to purchase food and other necessities.

Casa Bravo is a tech-enabled Rent-to-Own financing company that focuses on making homeownership more accessible and affordable. It operates an alternative housing finance platform designed to enhance access to homeownership by evaluating clients' financial capabilities. The company purchases properties on behalf of its clients and rents them until a down payment is made. Once the down payment is completed, ownership of the property is transferred to the client. This model allows individuals to live in their desired homes while working towards ownership, bridging the gap between renting and owning.

Baubap is a financial technology company that specializes in microlending, providing a platform for personal loans. Founded in 2018 by Luis Villarreal, Roberto Salcedo, and Conrad Wilkinson Schwarz, the company is based in Mexico. Baubap's mobile application allows customers to access instant loans without the need for documentation or complex procedures, enabling users to apply for loans conveniently at any time and from any location. This streamlined approach simplifies the borrowing process, making financial assistance more accessible to individuals.

Rejuvenation Technologies Inc. is a biotechnology company based in Mountain View, California, focused on developing nucleoside-modified telomerase reverse transcriptase messenger RNA to extend telomeres and promote human health. The company's innovative approach involves delivering a telomere extender that encodes telomerase reverse transcriptase, which transiently boosts telomerase activity in cells. This technology aims to enhance the proliferative capacity of cells, potentially addressing age-related diseases and conditions in various medical fields, including hepatic, pulmonary, and immunology. Additionally, Rejuvenation Technologies offers a range of cell therapies that encompass tissue engineering, cell transplants, skin grafts, immunotherapy, and regenerative medicine. Established in 2016, the company is dedicated to advancing solutions in regenerative health.

Mudafy is a real estate broker based in Mexico City, Mexico, specializing in the Latin American market. Founded in 2018, the company utilizes a technology-driven platform to enhance the buying, selling, and renting processes for homeowners. Mudafy offers a comprehensive suite of services, including support from registered professional brokers and a team of marketing and photography experts who help create appealing property portfolios. This approach aims to streamline the real estate experience for users, making it easier to navigate the complexities of property transactions.

Zippi Soluções de Crédito Ltda is a digital platform based in São Paulo, Brazil, that specializes in providing financial services for gig workers, particularly drivers for ride-sharing applications such as Uber, 99, and Cabify. The platform offers personal loans tailored to the needs of self-employed individuals, allowing them to manage their finances more effectively. By providing weekly invoices and facilitating payments through a user-friendly application, Zippi aims to support its clients in focusing on their business growth without incurring annual fees. This approach positions Zippi as a valuable resource for the growing gig economy in Latin America.

Backstartup is an innovative company focused on transforming the relationship between small businesses and their financial management processes. By offering a Software as a Service (SwaS) platform, Backstartup replaces traditional accountants, providing monthly reports, tax filing, and financial statements through an online interface. The company leverages accounting automation and bank integration to minimize manual tasks and reduce human error. Additionally, it assigns a virtual administrative support team to each client, ensuring a comprehensive service experience. As a pioneer in Latin America, Backstartup aims to shift the entrenched paper-based practices of small businesses to a fully digital environment, streamlining operations and allowing businesses to concentrate on their core activities. The platform also facilitates document processing, tax liquidation, legal advice, and payroll calculations, enhancing overall productivity.

Delt.ai is a digital financial service provider focused on helping businesses manage their finances effectively. The company offers a digital banking solution that facilitates various financial operations, including payments, invoicing, and corporate card management. By streamlining these processes, Delt.ai enables businesses to analyze their financial health without the need for traditional banking visits. The platform ensures efficient handling of bank transfers and provides a reliable means for companies to monitor their financial activities, ultimately promoting better financial management and operational convenience.

Fintual is a digital investment platform based in Santiago, Chile, that focuses on managing investments for young professionals seeking to make informed financial decisions. Founded in 2018 by Pedro Pineda, Omar Larré, Agustín Feuerhake, and Andres Marinkovic, the company provides low-commission accounts that emphasize passive investment strategies. Utilizing artificial intelligence, Fintual assesses clients' risk profiles and offers personalized investment recommendations, making it easier for users to gain essential financial knowledge and invest online.

Cuanto is a business management platform that enables Latin American creators to monetize their audiences and conduct sales through social media. The platform offers features that allow users to create online catalogs, manage their businesses from mobile devices, process orders, and accept payments via bank cards and transfers. By answering a few simple questions on the app, creators can quickly set up their sales operations and receive payouts directly to their local bank accounts. Cuanto aims to simplify the online selling process for individuals and businesses, making it easier for them to engage with customers and optimize their sales efforts.

Prescrypto is a digital platform that facilitates the creation, sending, and tracking of electronic prescriptions for healthcare providers, including doctors, clinics, and pharmacies. The platform features a built-in catalog of medications, complete with images, to streamline the prescription process and manage medical recipes efficiently. By employing blockchain technology, Prescrypto enhances security and helps prevent drug trafficking, allowing medical practitioners to analyze medications, as well as generate and audit prescriptions. This consolidated and secure data repository ensures that all prescription-related activities are efficiently managed and monitored.

Play Business is an equity crowdfunding platform founded in 2014 and based in Mexico City, Mexico. It connects investors with entrepreneurial business projects and start-ups, offering a range of investment opportunities starting at $5,000 pesos. The platform allows users to diversify their investments based on return, risk level, investment instrument, company, and industry, enabling them to align their portfolios with personal financial goals. Play Business facilitates a secure and fully digital experience for users to build balanced investment portfolios.

Bayonet Technologies, Inc., established in 2016 and headquartered in Camden, Delaware, specializes in designing and developing reputation system software. It provides collectively-sourced data and risk assessment tools primarily to banks, payment processors, financial institutions, and lenders. The company's unique approach to machine learning enables it to calibrate decision models efficiently, requiring only five days of clean historical data, compared to the industry standard of 90-180 days. This allows Bayonet to help high-growth companies effectively combat fraud and reduce low acceptance rates with significantly fewer resources than traditional solutions.

Moneypool is a community-based financial platform that allows users to create groups for collecting money from others. Founded in 2013 by Ignacio Alvarez, Gerardo Acuña, and Sebastian Cueva, the platform simplifies the process of sending and receiving payments without the need for bank details. Users can contribute through credit or debit cards and cash, while Moneypool charges a standard commission for processing credit card transactions. The platform also aids in dividing expenses, receiving payments, and sending reminders, making it easier for users to manage financial interactions in a straightforward manner.