# Cristóbal Grinbergs Vidal

> Cristóbal Grinbergs Vidal is the Santiago-based cofounder and CEO of Cardda, a business payments and spend management platform. Born and raised in Valdivia, he studied industrial civil engineering at the Universidad de Chile, led machinery-rental marketplace Rentz and cofounded Cardda with Sebastián Hernández in 2020. Cardda joined Y Combinator’s Winter 2022 batch; Grinbergs writes publicly about payment operations, customers and the experience of building a company.

- **Role:** Co-founder & CEO at Cardda
- **Organizations:** Cardda, Rentz, Procter & Gamble, IBM, Friosur
- **From:** Valdivia, Chile
- **Education:** Ingeniería civil industrial, Universidad de Chile, Winter 2022 accelerator program (not an academic degree), Y Combinator
- **Known for:** Cofounded Cardda, accepted into Y Combinator Winter 2022., Built and led Rentz before pivoting to Cardda., Reported in August 2026 that Cardda processed its 2021 US$2 million annual payment volume in a week and served more than 300 companies in Chile monthly.

## Career timeline

- **2013–2018** — Studied industrial civil engineering at Universidad de Chile.
- **2016** — Internship at Friosur in Aysén; KPI analysis.
- **2016–2017** — IBM internship developing cloud-computing prototypes.
- **2017–2018** — Finance and accounting internship at Procter & Gamble.
- **2018–2020** — CEO of Rentz, a heavy-machinery rental marketplace.
- **2019** — Sebastián Hernández joined Rentz after connecting with Grinbergs through the Universidad de Chile forum.
- **2020** — Cofounded Cardda with Hernández. Public accounts variously date the pivot to June and founding to July.
- **2022** — Cardda participated in Y Combinator Winter 2022.
- **2023** — Reported 60,000 Cardda card transactions and 100,000 bank transfers in Chile for the year.
- **2024** — Announced a 9punto5 talk in his hometown, Valdivia.
- **2026** — Published the new Cardda platform update on August 5.

## Achievements

- Cofounded Cardda, accepted into Y Combinator Winter 2022.
- Built and led Rentz before pivoting to Cardda.
- Reported in August 2026 that Cardda processed its 2021 US$2 million annual payment volume in a week and served more than 300 companies in Chile monthly.

## Latest updates

- **2026-08** — Published “El nuevo Cardda”, describing corporate cards, WhatsApp expense submissions, supplier payments and accounting integration; reported more than 300 monthly client companies in Chile.
- **2025-01** — Published a Kaufmann customer case discussing digital payment acceptance, configurable cards and transaction visibility.
- **2024-12** — Published an AFP Uno customer case about invoice workflows, bank connections and accounting.

## Links

- Website: https://www.cardda.com/
- LinkedIn: https://www.linkedin.com/in/cgrinbergs/
- Twitter/X: https://twitter.com/cgrinbergs

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Profile page: https://yespress.io/cristobal-grinbergs
Published by YesPress — https://yespress.io
Last updated: 2026-10-11