Crediviva
“Can Crediviva become Panama's dominant BNPL and POS lending platform by digitizing installment credit for consumers without credit cards?”
Founded2018
HQPanama City, Panama
IndustryFintech / BNPL
The story
Crediviva launched in Panama in 2018 as a POS lending / BNPL fintech enabling consumers to purchase in installments at partner merchants without a traditional credit card. The platform operates 100% digitally using Yappy (a Panamanian mobile payment platform) as a payment rail. With over 30 affiliates and a lean team of ~33 employees, the company focuses on underserved Panamanian consumers who lack access to traditional credit.
Last 12 months
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Product timeline
2018
Founded in Panama as a fintech offering installment-based purchasing at retail stores without a credit card.· lending
2022
Expanded to over 30 affiliated merchants, offering interest-bearing and interest-free loan options fully digitally.· lending
Regulated entities
1
regulatory licence held by Crediviva
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
2 layers disclosed in Crediviva’s embedded-finance stack
Lending
POS installment loans (with interest)POS installment loans (interest-free)BNPL at merchant point-of-sale
KYC
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.