The problem
Most consumers underserved by traditional banks in Latin America aren't invisible to finance — they're invisible to underwriting. MiBolsillo started from that gap: aggregate a user's real financial data, understand their actual behavior, and use it to get them into financial products they'd otherwise be locked out of.
What I built
This wasn't one product area — it was the company. As co-founder, CEO, and Head of Product, I worked across strategy, product, fundraising and partnerships, growth, monetization, and operations, taking MiBolsillo from early discovery through product-market fit, multi-country expansion, and eventually acquisition.
The core product model: financial-data aggregation → insights and personal financial management → segmentation and decisioning → a marketplace connecting users to third-party financial providers, particularly lenders.
Two things made this genuinely multi-sided rather than a single consumer app:
Alternative underwriting. Using financial and behavioral data instead of relying only on traditional credit bureaus, we improved access to credit by roughly 25% while operating at about a third of the acquisition cost of traditional channels.
A financial-services marketplace, connecting users to third-party lenders and other providers rather than MiBolsillo originating every product itself — including some exposure to crypto-related financial products, which later became relevant context for the blockchain work below (see StableFlow).
Why it mattered
Building underwriting and the marketplace side by side was the hard part: underwriting made users eligible for products they'd been excluded from, and the marketplace is what actually got those products in front of them. Neither works alone. We scaled that model across five Latin American markets, went through Techstars in 2021, and reached break-even before the company was acquired.