Luz Verde
“Can a POS BNPL platform become the default credit infrastructure for underbanked consumer segments across Latin American SME merchants by connecting them with licensed financial institutions?”
Luz Verde (legal entity LUVEFINTECH S.A.) operates as a POS BNPL enabler targeting underbanked consumers in Latin America, starting with Panama and Ecuador. Rather than lending from its own balance sheet, it acts as a technology platform connecting merchants with financial institutions (Crediviva, Banco Solidario) that provide the credit capital — a marketplace or 'habilitador fintech' model. The platform, branded as Kamina Pay, is fully digital, uses biometric KYC, and offers merchants an amortization and portfolio management core, positioning Luz Verde as the financial infrastructure layer for SME merchants seeking to offer installment credit without a banking license.