immigrants
(2)
TomoCredit
TomoCredit is a San Francisco fintech that issues a credit card to people the traditional system can't see - immigrants, students, and first-time borrowers with no FICO score. Instead of a credit check, its proprietary 'Tomo Score' underwrites applicants on cash-flow and bank data, with no deposit, no APR, and no fees, earning revenue purely from merchant interchange. Founded in 2018 by Kristy Kim after she was denied a car loan as a Korean immigrant with no credit history, the company has processed millions of applications and is now building TomoIQ, an AI financial assistant that turns professional-grade money guidance into something anyone can use.
Bernardo Garcia
Bernardo Garcia is the Co-Founder and COO of Félix Pago, a Miami-based fintech startup that lets Latino immigrants in the US send money home via WhatsApp in roughly 40 seconds. Born in Guadalajara, Mexico, Garcia built his career across consulting and Uber before earning his MBA at Wharton, where he met co-founder Manuel Godoy. Together they launched Félix in 2020, growing it to process over $1 billion in remittances in 2024 and raising a $75 million Series B in April 2025 led by QED Investors.