“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?”
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.
Destacame's cards are issued through Tapp.
Destacame uses TransUnion for KYC and identity verification.
The Embedded Finance Index 2026 maps 3 layers in Destacame's stack: Card issuing (Tapp); Lending (SuperAvance (micro-credit up to $600,000 CLP) and Crédito preaprobado (pre-approved credit marketplace)); KYC (TransUnion).
Destacame is founded in 2014 and headquartered in Santiago, Chile.
Destacame has raised $25.7M in total.
Get a read on where your own stack stands against Destacame and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.