latam
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Alephee
Alephee is an Argentine cloud platform that helps automotive aftermarket brands, wholesalers and distributors sell parts online across Latin America. It standardizes fragmented product catalogs, adds vehicle-fitment data, keeps prices and inventory in sync, and connects the entire distribution chain to marketplaces like Mercado Libre and Amazon so an offline reseller network can be replicated online.
Cedalio
Cedalio is an AI agent platform for the office of the CFO that automates accounts payable, procurement, and utility-bill processing. Its specialized agents read invoices and bills from email, portals, and drives using vision models, run 3-way matching against purchase orders and receipts, flag duplicates and anomalies, and handle LATAM tax compliance before data reaches the ERP. Founded by ex-Wolox engineers and backed by Y Combinator (S23), the company began as a blockchain-verifiable database and evolved through sustainability data into finance automation, keeping auditability as its throughline.
Cifrato
Cifrato is a Colombian, Y Combinator-backed (W25) startup building an AI accountant for accounting firms and retail businesses across Latin America. Its AI agents run end-to-end accounting workflows - pulling electronic invoices straight from tax authorities like Colombia's DIAN, classifying them, applying taxes, reconciling payments, and pushing accounting-ready data into ERP and POS systems. Founded in 2025 by Juan Pisco and Yerson Cacua, the company reached roughly $1M ARR and processed over a million invoices for 270+ clients within its first year.
Clupp
Clupp is a Mexico City insurtech offering pay-per-kilometer insurance for cars, motorcycles, bicycles, scooters, and gadgets. Its app prices policies on how much and how well you drive, rewarding low-mileage and low-risk customers with lower premiums. Founded in 2021 and backed by Y Combinator (W22), Clupp partners with established carriers and reinsurers to cover claims, and has expanded into B2B SaaS tools for brokers and insurance products tied to startup financing.
Creizer
Creizer is a Mexico City fintech providing revenue-based financing to online sellers across Latin America. Often described as the Clear.co (formerly Clearbanc) for LATAM, it underwrites credit using a seller's daily sales and store metrics rather than traditional collateral, then collects repayment as a percentage of ongoing sales with no fixed installments or interest rates. Founded in 2021 by Emiliano Musalem and part of Y Combinator's Winter 2022 batch, Creizer offers credit lines from roughly 30,000 pesos up to several million, targeting the more than 80% of Latin American SMEs that lack access to conventional bank loans.
Fitia
Fitia is an AI-powered nutrition tracking and meal planning app built by two childhood friends from Peru. It turns the daily grind of counting calories into a personalized plan: users log food by photo, voice, text, or barcode, and Fitia adapts meal plans, macros, and grocery lists to their goals and food preferences. Backed by Y Combinator (S21), it has grown to more than 10 million users across 150+ countries and outranks incumbents like MyFitnessPal in downloads across Spain and much of Latin America.
Munily App
Munily is a Panama-based proptech company building an access-control and community-management platform for gated communities across Latin America. It replaces broken intercoms and paper visitor logs with an app-and-tablet system that connects security guards, residents, and property administrators - guards photograph a visitor's ID and pick the apartment, and residents approve or deny entry from their phones. A Y Combinator W22 company, Munily has expanded into billing automation, live amenity reservations, and AI-assisted access (license-plate and facial recognition).
Palomma
Palomma is a Medellin-based fintech building an AI-native banking platform for real estate in Latin America, starting with rent. It deploys AI agents that handle leasing, sales, and collections for property managers across WhatsApp, SMS, and phone calls 24/7, then layers on payment collection and disbursement to own the flow of rent and monetize it through credit and insurance products. Founded in the Y Combinator Winter 2023 batch, the company originally launched as a frictionless Pay-by-Bank API for LatAm merchants before pivoting to real estate.
PayCaddy
PayCaddy is a Panama-based Banking-as-a-Service platform that lets Latin American companies launch financial products through an API. Businesses use its stack to open KYC-verified digital wallets, automate online payments, and issue branded Mastercard debit and prepaid cards - without building core banking infrastructure or negotiating directly with legacy banks. A Y Combinator Winter 2022 company, PayCaddy positions itself as embedded-finance infrastructure for emerging markets.
Plutto
Plutto is a Santiago-based KYB (Know Your Business) and due diligence platform for Latin America. It lets financial services, procurement, legal and compliance teams verify and continuously monitor the businesses they work with - vendors, clients and partners - by pulling legal, financial, tax and labor data from 15+ official sources, screening against sanctions and PEP lists, and producing auditable, AI-summarized risk reports. What once took lawyers weeks and cost about $100 per client now runs in minutes for a few dollars per check.
PoloTab
PoloTab is a Mexico City-based company building an all-in-one point-of-sale platform for cafes and restaurants. It bundles sales, inventory, invoicing, kitchen displays, delivery-app integration and multi-branch management into software that installs in about 15 minutes and keeps working without internet. More than 800 venues across 70+ Mexican cities run on it.
QUIK
QUIK is a Maracaibo-born super app that lets Venezuelans pay, save, shop and get food or groceries delivered in about 30 minutes, all from one phone. Its stablecoin-backed wallet lets users hold and spend in a currency that holds its value in a country long battered by inflation, while its QUIK Pro side gives merchants the software to run their storefront, inventory and logistics. Backed by Y Combinator in the Winter 2022 batch, it was the first startup from Maracaibo to be accepted into the accelerator.
Vobi
Vobi is a Sao Paulo-based, all-in-one project and construction management platform for small and midsize construction businesses across Latin America - contractors, remodelers, architects and engineering firms. It rolls estimating, budgeting, scheduling, a client portal, purchasing and payments (Vobi Pay) into one system, with AI agents for finance, procurement and work diaries. Backed by Y Combinator (W22) and MAR Ventures, the platform says it manages over R$5 billion in construction projects annually.
Hapi
Hapi is a Peruvian-founded, YC-backed fintech that lets people across Latin America invest in U.S. stocks, ETFs and cryptocurrencies from their phones - with zero commissions, no minimums and an account you can open in about five minutes. Built to knock down the high fees and paperwork that historically kept Latin Americans out of the U.S. markets, Hapi has grown from 10,000 users in 2022 to a reported 500,000-plus clients across roughly 20 countries.
Ola Guild Games
Ola Guild Games (OLA GG) is the largest Web3 gaming community in the Spanish-speaking world, operating as a regional subDAO of Yield Guild Games. Founded by lifelong Hispanic gamers, it onboards players across Latin America and Spain into blockchain games through NFT scholarships, Web3 education, and a shared-rewards model that lets people play and earn without upfront cost. In 2022 it raised $8 million in seed funding from investors including Galaxy Interactive, BITKRAFT, and Arca.
Pana
Pana is a Miami-based, Y Combinator-backed neobank building a stablecoin-native dollar account for Latinos and immigrants in the United States and their families across Latin America. It powers a closed-loop remittance network - borderless USD balances that move money instantly between users with zero fees, backed by USDC and settling to more than 5,000 banks across 27 countries. Founded in 2021 by Piero Nunez del Risco and Luis Pena, Pana pairs a consumer app (US checking-style accounts opened with a passport, a Mastercard debit card, direct deposit, and free peer transfers) with an emerging embedded-finance layer that lets banks and platforms serve the US diaspora.
Calii
Calii is a full-stack grocery delivery app rebuilding Latin America's food supply chain from the producer to the doorstep. Founded in Monterrey, Mexico, the company sources directly from farmers and brands, runs its own micro-fulfillment centers, and ships orders in under two hours.
Félix
Félix (Félix Pago) is a Miami-based fintech that lets Latin Americans in the U.S. send money home through a WhatsApp chat. Under the hood, it routes transfers over stablecoin rails (USDC) and uses AI to handle compliance and customer service in Spanish. Founded in 2020 by Manuel Godoy and Bernardo García, the company has moved more than $1 billion across nine LatAm corridors and raised a $75M Series B led by QED Investors in April 2025.
Simetrik
Simetrik is an AI-powered, no-code reconciliation platform that automates transaction matching, exception management, and compliance workflows for enterprises operating at high transaction volumes across 40+ countries.
Truora Inc.
Truora is a Latin America-focused identity and customer engagement platform that helps companies verify users, run background checks, and onboard customers - largely through WhatsApp. Founded in 2018 by Twilio and McKinsey alumni and backed by Y Combinator, Accel, and Propel, it powers KYC and fraud prevention for Rappi, Bancolombia, Mercado Libre, Didi, and hundreds of other LatAm businesses.