Y Combinator

R2 is a fintech company that provides an embedded lending platform enabling other platforms to offer financing to their small and medium business buyers and sellers, with a focus on Latin America. The platform integrates with a client’s existing system via an API and delivers revenue-based financing services to help increase capital retention and create new revenue streams. By partnering with notable platforms such as Rappi and Clip to power their capital arms, R2 helps merchants grow gross merchandise value and strengthens customer loyalty by serving as a trusted financing supplier. The solution is designed to streamline access to capital for SMBs within existing ecosystems, supporting lenders and platforms to extend credit more efficiently while aiming to reduce credit risk and scale financing across networks.

We simplify how companies hire and manage mobile telco in Brazil.

We simplify how companies hire and manage mobile telco in Brazil.

Coba is an online financial platform aimed at simplifying remote work, particularly for users in Latin America. The platform offers a range of financial tools and services tailored to the needs of remote workers, focusing on facilitating international money transfers. Coba provides users with access to U.S. banking services and tax-compliant invoicing, allowing them to convert their funds into local currencies efficiently. By addressing the complexities associated with remote financial transactions, Coba seeks to enhance the experience of remote workers and streamline their financial management.

Vendah operates an e-commerce platform that facilitates reselling of kitchen and homeware products in Latin America. It enables women to earn extra income by selling items to neighbors and friends, while providing tools for payment processing and logistics.

Momento is an insurtech company focused on transforming the insurance landscape in Latin America, particularly in the auto insurance sector. Leveraging technology and data, Momento aims to enhance the user experience by simplifying the purchasing process and offering personalized pricing tailored to individual drivers. The platform provides comprehensive services, including driving behavior analysis, information on fines, theft risk assessments in specific areas, and details about affordable gas stations and parking options. Additionally, Momento streamlines the claims process, making it automated and user-friendly, while also targeting the uninsured demographic in Latin America to broaden its market reach.

Glitzi is a wellness and health platform that specializes in providing beauty and spa services directly to customers' doorsteps in Latin America. The company connects clients with certified wellness, beauty, and health professionals, offering a range of services including makeup, hairstyling, massage, spa treatments, and nail care. By facilitating these services in the comfort of clients' homes, Glitzi enhances the convenience and accessibility of personal care, catering primarily to women seeking high-quality beauty experiences without the need to travel.

Palomma is a technology company that specializes in providing a payment method that allows customers to make secure transactions directly from their bank accounts. By offering a streamlined, one-click payment solution, Palomma helps merchants reduce card processing fees while enhancing customer conversion rates. The company's platform is built on a robust application programming interface (API) tailored for the Latin American market, focusing on instant account-to-account payments. Additionally, Palomma enables users to earn rewards at affiliated businesses, further incentivizing the use of its payment method. Through its innovative approach, Palomma aims to create cost-effective payment solutions that benefit both merchants and consumers.

Aether is a prominent artificial intelligence company founded in 2021 and based in São Paulo, Brazil. The company specializes in providing an advanced platform that enables users to efficiently create images, text, and presentations through innovative features and an intuitive design. Utilizing cutting-edge computer vision algorithms and natural language processing, Aether generates high-quality visual and textual content. It also offers the Creative Enterprise, a solution that allows businesses and consumers to rapidly develop AI bots on cloud workstations. Aether's emphasis on smart data integration and security ensures that users achieve impressive and reliable results in their content creation efforts.

Milio streamlines B2B payments for small-to-medium enterprises and mid-market businesses. Its platform automates recurring collections and payouts, facilitates seamless domestic and cross-border transactions, and offers cash management solutions.

Pulppo is a pioneering technology-enabled broker based in Latin America, aimed at transforming the real estate market by enhancing the capabilities of regional brokers. Founded by Agustin Iglesias and Matias Gath, the company provides brokers with advanced technological tools, logistical support, and legal assistance to facilitate a more straightforward and transparent home-buying process. By partnering with leading brokers, Pulppo specializes in connecting agents with high-profile properties, ultimately streamlining the selling experience for both brokers and customers. This innovative approach seeks to eliminate friction in real estate transactions, positioning Pulppo as a leader in the evolving landscape of property sales in Latin America.

Kashin is a microlending application that provides small loans to underbanked individuals. The platform assesses risk by utilizing social reputation scores and smartphone-based variables. Users have the ability to increase their credit limits and lower interest rates based on their credit behavior and the actions of their first-degree referrals. This approach aims to enhance access to credit for those who may have limited options in traditional lending markets.

Kurios is a Y Combinator-backed company that specializes in delivering cohort-based online courses focused on digital business skills in Latin America. The company offers training programs in areas such as Product Management, Growth, and Digital Management, taught by industry professionals from leading global tech firms like Amazon, Stripe, and Uber. Kurios serves a diverse clientele, including major enterprises such as Walmart Mexico, Femsa, and Bancolombia, by providing flexible and interactive training that empowers professionals and organizations to thrive in the digital age.

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.

Yummy Inc. is a food delivery application company founded in 2020 by Vicente Zavarce, with its headquarters located in San Francisco, California, and an additional office in Caracas, Venezuela. The Yummy app operates across Latin America, allowing users to order and pay for meals through both mobile and web platforms. It offers various payment options, including foreign credit cards and cash, making it convenient for users to enjoy their food at their preferred locations.

Lexter.ai is a pioneering SaaS platform in Brazil that enhances the efficiency of legal teams by automating the analysis and revision of documents through artificial intelligence. The platform is designed to interpret, analyze, and review contracts, allowing legal professionals to focus on more strategic tasks rather than repetitive work. By tailoring its technology to align with each client's specific strategy, Lexter.ai reduces complexity and time spent on legal processes. Notable companies such as Gerdau, Votorantim Cimentos, and Suzano have integrated Lexter's solutions to streamline their legal operations.

Momento is an insurtech company focused on transforming the insurance landscape in Latin America, particularly in the auto insurance sector. Leveraging technology and data, Momento aims to enhance the user experience by simplifying the purchasing process and offering personalized pricing tailored to individual drivers. The platform provides comprehensive services, including driving behavior analysis, information on fines, theft risk assessments in specific areas, and details about affordable gas stations and parking options. Additionally, Momento streamlines the claims process, making it automated and user-friendly, while also targeting the uninsured demographic in Latin America to broaden its market reach.

HoyTrabajas is a Colombian-based HR-Tech company that operates a job search platform. It uses AI algorithms to match users with suitable jobs, aiming to assist companies in swiftly attracting and retaining low-skilled talent within a short timeframe.

Quik is a mobile application operating as a comprehensive platform in Venezuela, facilitating a range of services from ordering food and groceries to making payments and transferring money. The app allows users to receive deliveries within 30 minutes and provides a stable coin wallet that helps customers and businesses manage their finances while mitigating currency risks. Users can seamlessly pay for goods and services by scanning QR codes, as well as conduct peer-to-peer money transfers, all within a single, user-friendly application. Quik aims to streamline everyday transactions and enhance the overall consumer experience in a challenging economic environment.

Trela is a consumer app and grocery service based in Brazil, recognized for having the highest Net Promoter Score (NPS) in the country and globally. The company's mission is to promote healthier eating by curating high-quality food and beverage products while minimizing waste through an efficient just-in-time supply chain. Trela serves as a comprehensive source for healthy groceries in São Paulo, offering delivery services at competitive prices. Additionally, the company has developed a collective purchasing platform that allows friends and neighbors to shop together, leveraging social connections through messaging apps to secure discounts on their purchases. This innovative approach connects producers and consumers, facilitating access to affordable and fresh products for households.

Rebill is a fintech company that specializes in providing a payments and subscriptions platform tailored for digital businesses and global enterprises operating in Latin America. Its platform enables seamless integration of over 100 local payment methods, including credit cards, bank transfers, cash, and digital wallets, facilitating efficient revenue operations across diverse markets. Rebill's solution offers a single point of trust and automation for managing cross-country and multi-currency transactions, allowing e-commerce and SaaS companies to optimize recurring billing scenarios. This flexibility enhances acceptance rates and provides advanced metrics, ultimately streamlining billing processes and enabling businesses to scale more rapidly in the region. The company prioritizes transparency and customer support, ensuring that clients receive reliable assistance as they expand their operations.

Selia operates a marketplace and virtual healthcare platform that connects Spanish-speaking individuals in Latin America and globally with certified mental health professionals for video or in-person therapy. The service focuses on anxiety, stress, depression, and couples therapy, enabling patients to access care and supporting practitioners in managing their practice and client acquisition.

Pantore is a Brazilian company that operates a platform designed to facilitate grocery ordering for restaurants. It serves as a group buying and reverse auction platform that streamlines the supply chain between restaurants and suppliers. By connecting restaurants directly with wholesalers and food manufacturers, Pantore enables establishments to negotiate with distributors more effectively. This approach helps restaurants save money and reduce the time spent on their purchasing processes, enhancing operational efficiency in the food service industry.

HoyTrabajas is a Colombian-based HR-Tech company that operates a job search platform. It uses AI algorithms to match users with suitable jobs, aiming to assist companies in swiftly attracting and retaining low-skilled talent within a short timeframe.

PayCaddy facilitates Latin American companies in launching financial services via an API-driven platform. It offers digital wallet creation with KYC checks, online payment processing, and issuance of personalized debit/prepaid cards for customers or employees.

Munily is an access control management application designed specifically for gated communities in Latin America. Recognizing that 95% of these communities still rely on outdated pen-and-paper methods, Munily addresses significant security challenges, including the lack of traceability for unknown visitors. The platform facilitates streamlined communication among residents, security personnel, and administrative staff, fostering an improved living experience. By enhancing communication within neighborhoods and providing better management tools, Munily aims to create safer and more connected communities.

Aether is a prominent artificial intelligence company founded in 2021 and based in São Paulo, Brazil. The company specializes in providing an advanced platform that enables users to efficiently create images, text, and presentations through innovative features and an intuitive design. Utilizing cutting-edge computer vision algorithms and natural language processing, Aether generates high-quality visual and textual content. It also offers the Creative Enterprise, a solution that allows businesses and consumers to rapidly develop AI bots on cloud workstations. Aether's emphasis on smart data integration and security ensures that users achieve impressive and reliable results in their content creation efforts.

R2 is a fintech company that provides an embedded lending platform enabling other platforms to offer financing to their small and medium business buyers and sellers, with a focus on Latin America. The platform integrates with a client’s existing system via an API and delivers revenue-based financing services to help increase capital retention and create new revenue streams. By partnering with notable platforms such as Rappi and Clip to power their capital arms, R2 helps merchants grow gross merchandise value and strengthens customer loyalty by serving as a trusted financing supplier. The solution is designed to streamline access to capital for SMBs within existing ecosystems, supporting lenders and platforms to extend credit more efficiently while aiming to reduce credit risk and scale financing across networks.

Cumbuca is a pioneering digital platform in Brazil that offers a unique group account solution for families. It enables users to create individual accounts linked through a customizable permission system, resembling the joint accounts common in other countries. The platform facilitates the management of shared financial responsibilities by allowing users to split expenses, track debts, and organize recurring payments for utilities, groceries, and other shared costs. By providing transparency and visibility into individual balances, Cumbuca aims to simplify financial interactions among family members, reducing potential conflicts over shared expenses.

AgendaPro is a comprehensive web-based management platform serving aesthetic clinics, salons, spas, and other appointment-driven businesses in Latin America. It offers integrated solutions for online appointments, cash management, inventory tracking, marketing campaigns, loyalty programs, CRM, and client communication, enabling providers to focus on delivering exceptional customer service.

Wibond is a digital payment platform founded in Argentina in 2020 by Ezequiel Bucai and Alejandro Silvestre. It operates under a "buy now, pay later" model, providing users with a flexible payment method that allows them to pay in installments without the need for a card. This innovative approach enhances financial access for a diverse user community while enabling companies to increase sales by attracting new customers. Wibond's platform includes a virtual wallet that facilitates a variety of financial transactions such as payments, collections, and withdrawals, streamlining the payment process for businesses. With a vision to promote trade throughout Latin America, Wibond is expanding its services into markets like Chile and Mexico, building on its experience from a prior venture that connected users with a network of gyms and sports centers in multiple countries.

Platzi is an online education platform that delivers live and recorded courses across design, marketing, and programming. It offers professional tracks in application and web development, online marketing, interface design, server administration, and related fields, with interactive features such as real-time collaboration among students and industry-leading instructors. The platform emphasizes practical, in-demand skills for lifelong learning, using video and interactive lessons to teach applied concepts rather than traditional academia, and supports learners worldwide in multiple languages. Founded in 2012, Platzi serves a global student base and provides access to project sharing, guides, tutorials, and bonus live sessions to enhance learning.

Clupp is an insurance provider focused on offering affordable coverage for low-risk drivers in Latin America. By targeting individuals who drive infrequently and demonstrate good driving habits, the company aims to serve approximately 15% of the population, representing a significant market opportunity. Clupp utilizes smartphone-based telematics to assess driving behavior, eliminating the need for additional hardware. Their offerings include insurance for cars, motorcycles, bicycles, and even skateboards, ensuring that customers receive tailored coverage based on their monthly mileage. Through this approach, Clupp provides accessible insurance solutions for users who drive less and prioritize safety.

Fintual is a digital investment platform based in Santiago, Chile, founded in 2018 by Pedro Pineda, Omar Larré, Agustín Feuerhake, and Andres Marinkovic. The company caters primarily to young professionals seeking to make informed investment decisions. Fintual offers low-commission accounts for passive investment and employs artificial intelligence to assess clients' risk profiles. This technology helps generate tailored investment recommendations, empowering users to gain essential financial knowledge and manage their investments online effectively. By simplifying the investment process, Fintual aims to enhance accessibility to financial advisory services for a broader audience.

Munily is an access control management application designed specifically for gated communities in Latin America. Recognizing that 95% of these communities still rely on outdated pen-and-paper methods, Munily addresses significant security challenges, including the lack of traceability for unknown visitors. The platform facilitates streamlined communication among residents, security personnel, and administrative staff, fostering an improved living experience. By enhancing communication within neighborhoods and providing better management tools, Munily aims to create safer and more connected communities.

Chipax is a Chilean web platform that simplifies financial management for small and medium-sized businesses through its Enterprise Resource Planning system. The platform offers tools for real-time data collection from financial institutions and integrates key financial processes such as sales and purchase invoices, expenses, and taxes. By automating tasks like bank reconciliation, cash flow forecasting, and debt collection, Chipax enhances operational efficiency and transparency, allowing businesses to maintain control over their cash flow and financial statements. This approach aims to make everyday accounting tasks significantly easier for users.

Encuadrado is a company established in 2019 and headquartered in Santiago, Chile, that offers a comprehensive platform for appointment scheduling, payments, and invoicing tailored for independent professionals. The platform simplifies the management of the scheduling process, enabling users to efficiently administer appointments, facilitate card payments, and automatically issue tickets. By addressing various administrative challenges, Encuadrado helps its clients streamline their operations, allowing them to focus on their core activities.

Verde is a digital platform focused on enhancing access to working capital loans for small and medium farmers in Brazil. By providing a more agile and transparent approach to rural credit, Verde simplifies the loan application process through digital means. The platform not only facilitates access to loans but also offers additional financial services, such as insurance and digital banking, aimed at supporting the growth of farmers' businesses. Through its innovative solutions, Verde enables farmers to obtain the necessary financial resources more efficiently, thereby promoting sustainable agricultural development in the region.

Kurios is a Y Combinator-backed company that specializes in delivering cohort-based online courses focused on digital business skills in Latin America. The company offers training programs in areas such as Product Management, Growth, and Digital Management, taught by industry professionals from leading global tech firms like Amazon, Stripe, and Uber. Kurios serves a diverse clientele, including major enterprises such as Walmart Mexico, Femsa, and Bancolombia, by providing flexible and interactive training that empowers professionals and organizations to thrive in the digital age.

Cumbuca is a pioneering digital platform in Brazil that offers a unique group account solution for families. It enables users to create individual accounts linked through a customizable permission system, resembling the joint accounts common in other countries. The platform facilitates the management of shared financial responsibilities by allowing users to split expenses, track debts, and organize recurring payments for utilities, groceries, and other shared costs. By providing transparency and visibility into individual balances, Cumbuca aims to simplify financial interactions among family members, reducing potential conflicts over shared expenses.

Founded in 2020, Abstra is a Brazilian software company that offers a low-code platform for businesses. Its platform enables the creation of internal tools and apps through a graphical interface, helping enterprises automate tasks such as invoice processing, approval routing, payment flows, and contract lifecycle management. With a focus on late-stage tech companies and enterprise IT consulting firms, Abstra has secured notable clients like Accenture, Stone, and Descomplica, achieving an average monthly recurring revenue growth of 45%.

Glitzi is a wellness and health platform that specializes in providing beauty and spa services directly to customers' doorsteps in Latin America. The company connects clients with certified wellness, beauty, and health professionals, offering a range of services including makeup, hairstyling, massage, spa treatments, and nail care. By facilitating these services in the comfort of clients' homes, Glitzi enhances the convenience and accessibility of personal care, catering primarily to women seeking high-quality beauty experiences without the need to travel.

Trii is a fintech company focused on democratizing access to the stock market for retail investors in Latin America. It offers a mobile application that allows individual users to buy and sell shares easily and efficiently. By reducing the costs associated with retail transactions, Trii enables investors to automate investing processes that were previously labor-intensive and costly. The company's platform aims to simplify investment for a broader audience, promoting financial inclusion and enhancing the investment experience for users in the region.

Filadd Chile is an education technology platform for university students that enables sharing and organization of study resources, including notes, summaries, and online classes. The platform supports uploading and accessing class notes contributed by peers, organizing study materials, and taking notes, with an emphasis on collaboration to adapt learning to current needs. Lectures can be recorded by teachers at the company's offices to ensure high quality, while instructors later respond to questions and provide guidance, creating a space where summaries, instructor insights, and exam models are shared. The service is designed to facilitate study resources and online courses for career and university students, with a focus on accessibility and collaborative learning. It is based in Córdoba, Argentina.

Chipax is a Chilean web platform that simplifies financial management for small and medium-sized businesses through its Enterprise Resource Planning system. The platform offers tools for real-time data collection from financial institutions and integrates key financial processes such as sales and purchase invoices, expenses, and taxes. By automating tasks like bank reconciliation, cash flow forecasting, and debt collection, Chipax enhances operational efficiency and transparency, allowing businesses to maintain control over their cash flow and financial statements. This approach aims to make everyday accounting tasks significantly easier for users.

Founded in 2019, Coderhouse offers live online courses focused on programming, design, data, and marketing for professionals. Students engage with mentors through assignments and projects, and benefit from career services like mock interviews.

Rappi is a consumer technology company that operates an on-demand delivery platform in Latin America. The platform connects consumers with local merchants and independent couriers to order and deliver items ranging from prepared foods and groceries to clothing, pharmaceuticals, liquor, and other goods. Through its logistics capabilities, Rappi enables users to shop for a wide array of products and have them delivered to any location, often within hours, leveraging its network of independent contractors to fulfill orders across multiple categories.

RendaloMaq is a Latin America-focused tech-enabled equipment rental company that provides cloud-powered software and services to modernize construction equipment lending. The platform helps equipment owners manage inventory, track location and availability, and streamline rental workflows, while enabling contractors to rent, buy, or sell construction machinery. RendaloMaq acts as a digital backbone for the regional rental market, aiming to accelerate construction activity by improving procurement and fleet management.

Our objective is to develop into the region's one-stop store for automotive components. By gathering demand and linking all players throughout the supply chain, including producers, distributors, wholesalers, retailers, service providers, and customers, we are digitizing the automobile aftermarket sector in Latin America. Meru was established in 2020 in Mexico City, Distrito Federal.

Treinta is a digital ledger app tailored for Latin American microbusinesses. It enables users to record transactions by assigning products from their inventory, providing real-time insights into business metrics. By using Treinta, owners can save up to 30 minutes daily in bookkeeping tasks and enhance efficiency by over 30%. Currently, it serves microbusinesses transitioning from pen-and-paper tracking methods.

Yummy Inc. is a food delivery application company founded in 2020 by Vicente Zavarce, with its headquarters located in San Francisco, California, and an additional office in Caracas, Venezuela. The Yummy app operates across Latin America, allowing users to order and pay for meals through both mobile and web platforms. It offers various payment options, including foreign credit cards and cash, making it convenient for users to enjoy their food at their preferred locations.

Founded in 2017, Simetrik specializes in providing big data solutions for corporate finance control and automation. Its platform offers AI-powered tools, no-code configuration, and secure data integration capabilities, enabling global enterprises to streamline transaction reconciliation, detect anomalies, reduce manual effort, accelerate financial closings, and enhance decision-making.

Trela is a consumer app and grocery service based in Brazil, recognized for having the highest Net Promoter Score (NPS) in the country and globally. The company's mission is to promote healthier eating by curating high-quality food and beverage products while minimizing waste through an efficient just-in-time supply chain. Trela serves as a comprehensive source for healthy groceries in São Paulo, offering delivery services at competitive prices. Additionally, the company has developed a collective purchasing platform that allows friends and neighbors to shop together, leveraging social connections through messaging apps to secure discounts on their purchases. This innovative approach connects producers and consumers, facilitating access to affordable and fresh products for households.

Hapi is a stock trading app that aims to democratize access to the financial markets for consumers in Latin America. It offers a user-friendly platform where individuals can register in just a few minutes and begin trading stocks and exchange-traded funds (ETFs) without incurring any commission fees or minimum investment requirements. Hapi allows users to transfer funds, execute real-time transactions, and monitor their investment returns easily. In addition to traditional stock trading, the platform has expanded its offerings to include the ability to buy, hold, and sell cryptocurrencies, further enhancing its appeal to a diverse range of investors.

Clicoh is a startup born in Cordoba, Argentina in 2018 that provides fulfillment and logistics solutions through innovation and technology for digital companies in Latam.

Broad is a fintech company founded in 2019 that provides Brazilians and Latin Americans access to the international financial market through a multi-currency account and card. The platform supports holding multiple currencies and making cross-border transactions with reduced fees, aiming to simplify international finance and enable borderless spending. It focuses on practical tools for managing cross-border money movements and everyday international purchases, making international financial activity more accessible for its regional customers.

R2 is a fintech company that provides an embedded lending platform enabling other platforms to offer financing to their small and medium business buyers and sellers, with a focus on Latin America. The platform integrates with a client’s existing system via an API and delivers revenue-based financing services to help increase capital retention and create new revenue streams. By partnering with notable platforms such as Rappi and Clip to power their capital arms, R2 helps merchants grow gross merchandise value and strengthens customer loyalty by serving as a trusted financing supplier. The solution is designed to streamline access to capital for SMBs within existing ecosystems, supporting lenders and platforms to extend credit more efficiently while aiming to reduce credit risk and scale financing across networks.

Estoca is a decentralized logistics platform that specializes in Fulfillment-as-a-Service for multi-channel businesses. The company enables efficient goods delivery within less than two days in major Brazilian cities, ensuring a straightforward setup for clients. Utilizing a network of warehouses, Estoca employs a predictive algorithm to optimize the allocation of products, positioning them in proximity to customers for streamlined last-mile delivery. This approach allows businesses to manage their logistics processes effectively, enhancing their operational efficiency and customer satisfaction.

OlaClick is a web-based digital menu solution that streamlines the process of receiving online orders for businesses, particularly mass-market restaurants. The platform allows restaurants to create and distribute digital menus at no cost, facilitating orders through WhatsApp. This approach not only simplifies the ordering process for customers but also helps restaurants enhance their online presence and expand their customer base. By utilizing OlaClick's services, businesses can efficiently manage their food orders and improve overall operational efficiency.

Founded in 2019, Coderhouse offers live online courses focused on programming, design, data, and marketing for professionals. Students engage with mentors through assignments and projects, and benefit from career services like mock interviews.

Somos Internet is a network and telecommunications startup that provides latest generation internet with a fast, secure, stable connection. The company was founded in 2018 and is headquartered in Medellín, Antioquia, Colombia.

AgendaPro is a comprehensive web-based management platform serving aesthetic clinics, salons, spas, and other appointment-driven businesses in Latin America. It offers integrated solutions for online appointments, cash management, inventory tracking, marketing campaigns, loyalty programs, CRM, and client communication, enabling providers to focus on delivering exceptional customer service.

Founded in March 2020 by Cristóbal Griffero and Lukas Zorich, Fintoc is a financial technology company based in Santiago, Chile. It offers an API that enables online businesses to accept instant payments directly from customers' bank accounts, facilitating digital payment processing, recurring charges, and automated reconciliation.

Awari is an education startup focused on upskilling individuals in Latin America through a modern approach. It offers project-driven, cohort-based courses with mentorship from industry professionals at top companies like Disney, Apple, and Google.

Treinta is a digital ledger app tailored for Latin American microbusinesses. It enables users to record transactions by assigning products from their inventory, providing real-time insights into business metrics. By using Treinta, owners can save up to 30 minutes daily in bookkeeping tasks and enhance efficiency by over 30%. Currently, it serves microbusinesses transitioning from pen-and-paper tracking methods.

Kredi is a financial platform designed to simplify the mortgage acquisition process for consumers in Latin America. Similar to Rocket Mortgage in the United States, Kredi enables customers to secure mortgages online with ease. The platform utilizes a mathematical algorithm that connects users with financial institutions likely to approve their credit applications. This innovative approach allows consumers to access loans for purchasing new or used homes, as well as various other financing options tailored to their specific needs. By streamlining the loan application process, Kredi aims to enhance accessibility to credit for individuals in the region.

Gonddo is a B2B wholesale marketplace that facilitates the connection between suppliers of cosmetics and natural products and retailers in Brazil. The company leverages technology to modernize the distribution process and provide credit options for small and medium-sized businesses (SMBs). By enabling retailers to easily find and purchase natural products wholesale without incurring shipping costs, Gonddo enhances the convenience and transparency of B2B commerce. This platform not only simplifies the stocking process for retailers but also helps suppliers expand their distribution networks by reaching a broader audience of resellers.

Valiu Inc. is a fintech company based in Bogotá, Colombia, specializing in electronic fund transfer services specifically for the Venezuelan market. Founded in 2018 by Simon Chamorro and Alberto Niego, Valiu has developed a mobile application that facilitates borderless financial services. This platform enables users to save, send, and receive money conveniently, regardless of their socioeconomic status or the capabilities of their mobile devices. By leveraging a blockchain-based remittance system, Valiu allows users to manage their finances without the reliance on traditional banking institutions, thereby providing accessible financial solutions for Venezuelans, including migrants and their families.

Alude TECNOLOGIA LTDA is a company based in São Paulo, Brazil, that specializes in automating the real estate buying and leasing process. Founded in 2018, it offers a comprehensive platform that streamlines various aspects of real estate transactions, including background checks, document collection, contract proposals, and online signing. The platform connects real estate owners with potential buyers and renters, providing access to the contact details of over 332,000 property owners, organized by city and neighborhood. Additionally, Alude facilitates the sale of mortgages and insurance products to customers, enhancing the overall efficiency of real estate transactions.

Oico is an online marketplace focused on streamlining the purchasing process for construction materials in Brazil. The company offers a comprehensive platform that simplifies the management of orders by providing a price-and-quote service, invoicing, and order tracking. In addition to these features, Oico facilitates deliveries and processes payments, enhancing the overall purchasing experience for clients. By replacing the manual effort involved in finding vendors and comparing quotes, Oico aims to improve product availability and efficiency in the construction supply chain.

Founded in 2020, Todos Comemos offers a convenient meal kit delivery service in Bogota and Ciudad de Mexico. They provide pre-portioned ingredients and recipes for customers to prepare meals at home quickly and easily.

Justo SpA is a Chilean company established in 2018 that specializes in developing and operating an online food ordering and delivery platform. The company provides custom-built e-commerce websites for restaurant brands, enabling them to manage online orders and connect directly with customers. Justo's platform includes various features such as marketing tools, sales reporting, and last-mile delivery services, allowing restaurants to enhance their sales capabilities and maintain competitive pricing. Additionally, Justo charges a maximum commission of 15 percent on orders, allowing restaurant owners to retain valuable customer data generated through the service.

Mozper is a financial technology company that offers a payment card and app specifically designed for children and their parents in Latin America. The platform allows parents to provide their kids with an allowance while setting spending limits and tracking financial goals. Additionally, parents can assign chores, fostering responsibility and encouraging children to learn about money management in a practical, hands-on manner. By engaging young consumers and providing tailored financial products as they mature, Mozper aims to establish itself as a primary banking option for families throughout Latin America, promoting financial literacy in the digital age.

Tienda Dólar is an online exchange agency based in Argentina, specializing in the buying and selling of US dollars. The company positions itself as a leader in the market by offering competitive rates and high transaction volumes. It provides a digital currency exchange platform that aims to combat inflation by enabling users to access various saving services through a virtual wallet. This platform facilitates transparent digital banking and allows users to acquire dollars through partnerships with various trading houses, making it a convenient option for individuals seeking to manage their finances in a stable currency.

Checkars is an Argentine-based online platform facilitating the buying and selling of used cars. Founded by former OLX and Google executives, it aims to streamline this process by offering transparent information about vehicle conditions, hidden costs, and pricing. In its inaugural year, Checkars successfully sold 300 vehicles, demonstrating its potential in revolutionizing Argentina's used-car market.

Estoca is a decentralized logistics platform that specializes in Fulfillment-as-a-Service for multi-channel businesses. The company enables efficient goods delivery within less than two days in major Brazilian cities, ensuring a straightforward setup for clients. Utilizing a network of warehouses, Estoca employs a predictive algorithm to optimize the allocation of products, positioning them in proximity to customers for streamlined last-mile delivery. This approach allows businesses to manage their logistics processes effectively, enhancing their operational efficiency and customer satisfaction.

Stark Bank is a Brazilian fintech that operates a banking platform and open banking solutions for businesses. Based in São Paulo, it provides technology that helps companies scale operations by enabling transfers, payments, and charges. The company offers developer friendly APIs and straightforward integration to manage transactions and bank transfers, enabling clients to accept, process, and disburse payments while reducing avoidable fees and complexity.

Linkana provides compliance-driven procurement software that automates supplier registration, approval, and qualification, with a focus on Latin America. The platform uses machine learning to streamline document handling, perform compliance analysis, and simplify emissions of public documents. It offers a customized supplier portal for submitting required documentation and consolidates risk management routines in a single system, enabling companies to mitigate supplier-related risk and strengthen procurement governance.

Carupi is a Brazilian company founded in 2017 that operates a peer-to-peer marketplace for used cars. Based in São Paulo, the platform aims to transform the traditional buying and selling experience of vehicles, which is often fraught with inefficiencies and safety concerns. Carupi distinguishes itself by offering professional photography services for cars, publishing listings on various classified sites, and managing communications between buyers and sellers, thereby eliminating the need for direct interaction. The company also utilizes an escrow service to ensure secure transactions, streamlining the entire process. With the used car market in Brazil valued at approximately $70 billion, Carupi seeks to redefine how individuals engage in vehicle transactions, much like how Airbnb revolutionized the home rental industry. The founder and CEO, Diego Fischer, brings extensive experience, having previously established Brazil's largest consumer-to-business car marketplace.

Alude TECNOLOGIA LTDA is a company based in São Paulo, Brazil, that specializes in automating the real estate buying and leasing process. Founded in 2018, it offers a comprehensive platform that streamlines various aspects of real estate transactions, including background checks, document collection, contract proposals, and online signing. The platform connects real estate owners with potential buyers and renters, providing access to the contact details of over 332,000 property owners, organized by city and neighborhood. Additionally, Alude facilitates the sale of mortgages and insurance products to customers, enhancing the overall efficiency of real estate transactions.

Apartio is a company based in São Paulo, Brazil, that specializes in providing apartment rental services for travelers. The platform offers accommodations equipped with amenities such as free TV, WiFi, and air conditioning, catering to various needs, whether for leisure, business meetings, or other commitments. Apartio focuses on placing its properties near financial centers, tourist attractions, and popular dining options, ensuring that guests have convenient access to essential services and experiences during their stay. The company aims to enhance the travel experience by offering a comfortable and homelike environment.

Valienta is a company that supports dropshippers in Colombia and aims to expand its services throughout Latin America. It provides a marketplace with over 160 suppliers and thousands of products, enabling users to efficiently manage their businesses, reduce costs, and enhance sales. Valienta facilitates shipping across most of the country and offers multiple payment options. Users can create their own e-commerce sites at no cost, access a credit line to boost their advertising budget, and benefit from educational resources focused on sales and digital marketing. By offering these comprehensive tools and services, Valienta seeks to democratize e-commerce, making it accessible to individuals and small entrepreneurs who typically do not have the same advantages as larger companies.

99 minutos is a last-mile logistics disruptor for LatAm's burgeoning e-commerce space. The company enables enterprise e-commerce clients to reliably same-day deliver products at low cost - a first for the region. Currently operating in Mexico, Chile, Colombia, and Peru. The company was founded in 2014 by Alexis Patjane and is headquartered in Mexico City, Mexico.

Facio is a financial technology company based in Brazil that provides salary-advance services to workers. The company has developed a digital financial platform that integrates seamlessly with employers' systems, allowing employees to access loans directly from their payroll. This innovative approach eliminates intermediary fees, offering credit facilities that are repaid through monthly deductions from employees' salaries. By enabling businesses to offer secure liquidity options, Facio aims to empower the working class with greater financial flexibility and access to funds when needed.

Hubla is a technology company headquartered in São Paulo, Brazil, that was established in 2020. The firm provides a comprehensive platform that empowers creators to establish and manage their own paid communities. Hubla's platform facilitates group creation, enabling users to charge for access to exclusive content and interactions. Key features include streamlined payment processing, automated member management, recurring payment options, and affiliate program support. By offering these tools, Hubla allows professionals to effectively monetize their talents and expertise, thereby supporting them in pursuing their passions while generating income.

Hent is a Brazil-based vertical B2B SaaS and fintech company specializing in property management solutions for land lot developers. The company offers a platform that streamlines the management of sale contracts for real estate subdivisions, facilitating the issuance and distribution of payment slips and billing notifications. This technology enhances financial efficiency by enabling users to reconcile payments more easily, thereby reducing operational costs associated with property rentals. Hent also assists developers in accessing construction financing through its funds or a marketplace, catering to a significant market in Brazil valued at approximately USD 55.6 billion annually in General Sales Value. The company's innovative approach has attracted investments from notable entities such as YCombinator, Canary, and Norte Capital.

Founded in 2013, Gecko Robotics specializes in industrial inspection services using robotics and AI-powered data platforms. Serving power, oil & gas, pulp & paper industries, they provide real-time insights for efficient operations and infrastructure maintenance.

Kovi is a digital car rental company headquartered in São Paulo, Brazil, that operates primarily in Brazil and Mexico. Founded in 2018, Kovi provides an online platform designed to serve rideshare and delivery drivers, promoting safer, more affordable, and accessible mobility solutions for millions. The company employs an asset-light model by collaborating with automakers and traditional car rental firms, allowing it to offer flexible and convenient on-demand rental services. Kovi's technology-driven approach enhances the travel experience for users, catering to the evolving needs of the modern commute.

Valiu Inc. is a fintech company based in Bogotá, Colombia, specializing in electronic fund transfer services specifically for the Venezuelan market. Founded in 2018 by Simon Chamorro and Alberto Niego, Valiu has developed a mobile application that facilitates borderless financial services. This platform enables users to save, send, and receive money conveniently, regardless of their socioeconomic status or the capabilities of their mobile devices. By leveraging a blockchain-based remittance system, Valiu allows users to manage their finances without the reliance on traditional banking institutions, thereby providing accessible financial solutions for Venezuelans, including migrants and their families.

Founded in 2017, Simetrik specializes in providing big data solutions for corporate finance control and automation. Its platform offers AI-powered tools, no-code configuration, and secure data integration capabilities, enabling global enterprises to streamline transaction reconciliation, detect anomalies, reduce manual effort, accelerate financial closings, and enhance decision-making.

Pago is a web3 application that provides access to financial services for individuals who send and receive money in Latin America. This is achieved through a network of P2P financial providers. It is backed by Y Combinator and is headquartered in San Francisco, California. Kevin Charles, Francisco Jose Martin Toro, and Victor Charles founded Coco Pago.

Coco is a Venezuelan company that specializes in food delivery services while also focusing on reinventing remittances. By integrating innovative solutions to facilitate the transfer of funds, Coco aims to enhance the experience of users who rely on remittances for their daily needs. The company's dual approach addresses the growing demand for convenient food delivery alongside the critical need for efficient financial transactions in the region. Through its services, Coco seeks to improve accessibility and convenience for its customers in Venezuela.

Covela is a digital broker based in Mexico that focuses on providing insurance solutions for small and medium enterprises (SMEs) in Latin America. The company operates an insurance advisory platform designed to address the specific insurance needs of these businesses. Covela's platform facilitates access to advice, quotations, and administrative support, allowing SMEs to manage their insurance policies effectively. By streamlining the purchasing process, Covela enables enterprises to acquire beneficial insurance coverage with ease and efficiency, ultimately enhancing their risk management capabilities.

Apurata is a financial services platform focused on providing accessible credit to the middle-class population in Latin America, particularly targeting the unbanked and underbanked segments. Utilizing proprietary technology and innovative origination procedures, the company offers small loans and personal credits, enabling users to apply for and receive financial assistance quickly, often in under thirty minutes. With a significant market opportunity estimated at $25 billion across Latin America, Apurata has initially concentrated its efforts in Peru, where the opportunity is valued at approximately $3 billion. The company is in a growth phase and is actively seeking to expand its team across various roles, including software development, risk management, operations, customer service, and collections.

Tranqui Finanzas, headquartered in Cali, Colombia, operates an online financial planning solution for individuals and businesses. Founded on the principle that financial planning should be accessible to all without purchasing products or being subject to industry technicalities or prices, Tranqui's platform focuses on empowering employees through financial education and technology. It assists workers in managing personal finances, offers financial literacy resources, and tracks work-related stress indicators, enabling organizations to support their employees' financial well-being.

Kuarti is a Mexican company focused on transforming the hotel booking landscape in Latin America by providing standardized hotel experiences. It partners with independent hotels to make small renovations, enabling them to offer budget-friendly rooms, typically priced around $35 per night. Aiming to address the growing demand for travel among Mexico’s middle class, Kuarti currently has partnerships with four hotels and an inventory of 20 rooms, having already facilitated 275 nights of bookings. The company identifies a significant market opportunity, estimating the potential worth of the hotel sector in Mexico at $2.5 billion and $11 billion across Latin America. By streamlining the hotel booking process and enhancing the quality of accommodations, Kuarti seeks to establish itself as a leading player in the region's hospitality industry.

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.

Treble.ai, Inc. is a technology company based in Colombia that specializes in enhancing customer support for businesses through its innovative platform. The platform enables companies to gather customer feedback via SMS and email, facilitating a deeper understanding of customer needs. Additionally, Treble.ai automates customer interactions through popular messaging apps like WhatsApp, allowing businesses to streamline their communication processes. By providing tools for effective marketing and engagement, Treble.ai aims to make mobile communications more agile and personalized, helping businesses worldwide adapt to the evolving demands of their users.

Platzi is an online education platform that delivers live and recorded courses across design, marketing, and programming. It offers professional tracks in application and web development, online marketing, interface design, server administration, and related fields, with interactive features such as real-time collaboration among students and industry-leading instructors. The platform emphasizes practical, in-demand skills for lifelong learning, using video and interactive lessons to teach applied concepts rather than traditional academia, and supports learners worldwide in multiple languages. Founded in 2012, Platzi serves a global student base and provides access to project sharing, guides, tutorials, and bonus live sessions to enhance learning.

Rappi is a consumer technology company that operates an on-demand delivery platform in Latin America. The platform connects consumers with local merchants and independent couriers to order and deliver items ranging from prepared foods and groceries to clothing, pharmaceuticals, liquor, and other goods. Through its logistics capabilities, Rappi enables users to shop for a wide array of products and have them delivered to any location, often within hours, leveraging its network of independent contractors to fulfill orders across multiple categories.