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Destacame

“Can a free credit-report tool for debt-burdened Chileans become the primary on-ramp to formal credit for the country's financially excluded population?”

Founded2014
HQSantiago, Chile
Total raised$25.7M
IndustryFintech / Consumer banking
The story

Founded in 2014 (operational from 2015), Destacame started as a free consumer credit-report aggregator in Chile, helping underserved consumers understand their debt situation using CMF and Reporte Comercial data. It evolved into a full debt-resolution marketplace, earning commissions from financial institutions when users settle overdue debts with discounts. By 2021–2023, Destacame layered in subscription plans (PRO and PRO+), direct micro-lending (SuperAvances), and a prepaid card (Tapp-branded), transforming from a data aggregator into a financial-wellbeing platform targeting Chile's credit-excluded population.

Last 12 months
—
Product timeline
2015
Launched platform offering free commercial credit reports (Reporte Comercial) and CMF debt information to Chilean consumers.· banking
2018
Introduced debt resolution marketplace, connecting users with discounted settlement offers from banks and commercial entities.· lending
2021
Launched paid subscription plans (Plan PRO) offering personalized financial diagnostics and debt management guidance.· pivot
2023
Introduced Plan PRO+ with SuperAvance micro-credits (up to $600,000 CLP) and the Tarjeta Prepago Destacame by Tapp.· card
2024
Expanded prepaid card offering and credit-building (positive payment history reporting) capabilities under Plan PRO+.· card
The stack
3 layers disclosed in Destacame’s embedded-finance stack
Card issuing
Tapp
Lending
in the full report
KYC
in the full report
Accounting gap: none
3 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.