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Felix Pago

“Can a WhatsApp-native remittance app become the primary financial OS for the US-LatAm diaspora?”

Founded2020
HQMiami, Florida, USA
FoundersManuel Godoy, Bernardo García
Total raised~$300M
Latest roundSeries C, 2026
Valuationundisclosed (3x Series B valuation)
IndustryFintech / Cross-border payments
The story

Founded 2020 as a WhatsApp-native remittance app for Latino immigrants in the US, Felix built a conversational UX that routes USD into bank accounts, wallets (PIX, Nequi, Daviplata, Yape, Mercado Pago) and cash pickup across 11 LatAm countries, running on Stripe for pay-in and stablecoin rails for cross-border settlement. The 2026 Series C marks the pivot from pure remittances toward a broader financial OS for the Latino diaspora — adding mobile top-ups already, with lending, savings and an AI financial assistant explicitly funded.

Last 12 months
2026-09
2025-09
Product timeline
2020
Founded by Manuel Godoy and Bernardo García in Miami as a WhatsApp-based US-to-LatAm remittance service.· launch
2025
Series B of $75M led by QED Investors; expands remittance corridors across Latin America.· funding
2026
Launched mobile top-ups allowing US users to buy phone plans for family in home countries.· product
2026
Featured at Stripe Tour New York 2025 as a case study for scaling with stablecoins and wallets.· partnership
2026
Raised $200M Series C (a16z + General Catalyst) to expand into lending, savings and an AI financial assistant; cumulative volume >$8B processed.· funding
The stack
4 layers disclosed in Felix Pago’s embedded-finance stack
Payments / PSP
Stripe
Lending
in the full report
KYC
in the full report
FX & payouts
in the full report
Accounting gap: none
4 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.