“Can a Mexican neobank become the financial OS for both underbanked consumers and SMBs by stacking debit, credit, payroll, and crypto on a single IFPE license?”
Founded 2016 as a consumer-first Mexican neobank targeting the underbanked, with a Mastercard debit card and PFM app on its own IFPE license. Expanded into lending and insurance after the 2020 Series B, then pivoted into SMB banking by acquiring Delt.ai in 2023 — making it Mexico's only neobank offering both consumer and SMB debit + credit. Crypto (albit) and unsecured credit (abea) are now offered via separately-licensed sister entities, keeping the regulated IFPE balance sheet clean.