Fintual
“Can a Latin American investment manager evolve into a full retail financial platform by stacking a banking/transfer license on top of regulated mutual funds?”
IndustryFintech / Investment
The story
Fintual began as a digital investment manager in Chile and Mexico, offering mutual funds (including Franklin Templeton FT-LIQU as its conservative cash product) to retail investors. In 2025 the company moved beyond pure brokerage by obtaining a Chilean prepaid card issuer / provision-of-funds license, allowing it to operate bank-like transfer accounts and integrate directly into Chile's interbank transfer system. The Mexican entity is regulated by CNBV and offers 'Cash Up', a yield-bearing savings product invested in money-market funds.
Product timeline
2025
Obtained Chilean prepaid card issuer license, enabling Fintual to appear in the Chilean bank transfer list and operate provision-of-funds accounts.· banking
Regulated entities
Emisor de Tarjetas de Prepago con Provisión de Fondos
Chile · 2025
Fintual
CNBV regulated entity
Mexico
Fintual Mexico
The stack
Accounting gap: none