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MiBolsillo
Techstars '21Comas, PE · 1 known investors
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MiBolsillo is a Peruvian company serving microfinance institutions. Its product is designed to improve borrower engagement, encourage on-time loan repayment, and increase adoption of additional financial products, at a lower cost than conventional outreach methods.
Also known as MiBolsillo App · Poupa Certo
Investors · 1
How we know: the Techstars portfolio · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · open dataset · 5k.vc investor directory · Not right? Tell us
Company profile
researched Sep 2026MiBolsillo is a Latin American fintech that provides microfinance institutions with a mobile application and AI-powered financial advisor aimed at people outside the formal banking system. The app helps users organize their personal finances, set goals, connect with formal financial products and stay on track repaying debts, with the objective of turning previously unbankable users into viable credit applicants.
Its end users are typically micro-entrepreneurs who need capital to grow their businesses but do not qualify for loans; the company has stated that three of every five loan applications in this segment are denied. Partner lenders embed or distribute MiBolsillo's functionality to their customers, and the company has run pilots including a nano-loan campaign designed to measure the effect of its product on loan repayment. A separate consumer brand, Poupa Certo, is used in Brazil.
Founding story
The company was founded in Brazil with the stated aim of improving the financial health and financial inclusion of unbanked people in Latin America, building a mobile application to help users organize their finances, connect them to formal financial solutions and support them through debt repayment.
Business model
MiBolsillo operates a B2B2C model: it partners with microfinance institutions that need to place loans and delivers their prospective and existing borrowers a mobile financial-advisory experience. The company states that working through its platform can cut the cost and time of acquiring a new client for these institutions by up to two-thirds compared with conventional risk analysis and outreach, while preparing applicants who would otherwise be rejected to become creditworthy.
Revenue comes from financial institutions that contract the platform to acquire and prepare borrowers; the company frames its value to these clients in terms of lower customer acquisition cost and shorter acquisition time.
Traction
By October 2021 the company reported 250,000 active users — defined as people opening the app at least weekly — across five countries, with 40% in Peru, seven partner microfinance institutions, five clients and five proofs of concept due by year end. Stated targets were one million users by the end of 2021 and seven million across all markets in 2022. Product metrics cited in the same period included an 87% increase in users completing account set-up and a 34% increase in users returning to the app month over month.
Latest developments
In October 2021 the company completed the Techstars program, announced Via as a commercial partner and investor in Brazil, moved into a second phase with Mibanco on the Yevo platform targeting one million active users over 12 months, launched version 2 of its AI-powered financial advisor with a nano-loan campaign beginning 1 November, expanded its product and marketing team, and announced the opening of a seed round on 1 November 2021.
▸Full profile — market position, technology, go-to-market, geography, history
Market position
MiBolsillo describes itself as a supplier of low-risk client flow to Latin American financial institutions serving unbanked and underbanked segments, with partnerships that include Mibanco, described as the largest microfinance institution in Peru, and Cooperativa Pacifico.
MiBolsillo positions its AI-powered financial advisor, combined with behavioral-design techniques applied to product engagement, as a way to source large volumes of lower-risk clients for lenders while reducing customer acquisition cost and time relative to conventional risk-analysis-led acquisition.
Technology
The core product is a mobile application built around an AI-powered financial advisor (AI-PFA) for micro and small business owners, incorporating goal-setting and behavioral-science-informed engagement design; version 2 of the advisor was launched in late 2021 and the product team worked with Common Cents Lab on behavioral applications.
Go-to-market
Distribution runs through partnerships with microfinance institutions, cooperatives and other lenders that integrate or offer the product to their customer bases; as of October 2021 the company reported seven partner microfinance institutions, five clients and five proofs of concept slated for implementation by year end, plus a retail partnership with Via in Brazil.
Direct customers are microfinance institutions, cooperatives and retailers in Latin America; end users are unbanked and underbanked consumers, particularly micro and small business owners who do not currently qualify for loans.
Geography
As of October 2021 MiBolsillo reported operations in five countries: Peru, Brazil, Guatemala, Mexico and Chile. Peru accounted for roughly 40% of its users, and four of its seven partner financial institutions were in the Peruvian market. Its headquarters in internal records is in Comas, Peru, and it operates in Brazil under the Poupa Certo brand.
History
The company was founded in Brazil, according to an October 2021 report that described it as having been founded four years earlier. By late 2021 it operated in five countries — Peru, Brazil, Guatemala, Mexico and Chile — and maintained a Brazilian consumer brand, Poupa Certo. In 2021 it completed a 13-week Techstars accelerator program in Denver and New York, during which it explored a proof of concept with Western Union and added Via, a large Brazilian retailer, as both commercial partner and investor. It entered a second phase of its engagement with Mibanco, embedding its AI-powered financial advisor in Mibanco's Yevo platform, and announced the launch of a seed round on 1 November 2021.
Compiled by commissioned research from 6 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 7
launches, deals, and filingsThe company announced it was officially launching its seed round on November 1, 2021.
MiBolsillo launched v2 of its AI-powered financial advisor for micro and small business owners, alongside a nano-loan campaign for selected users starting November 1 to measure impact on loan repayment.
The company reported alliances with seven microfinance institutions, four of them in Peru including Mibanco and Cooperativa Pacifico, and presence in five countries with plans for further regional expansion.
Ronald Solorzano took over leadership of the product team as Product Manager; other hires included Arturo Herrera as Mobile Tech Lead, Guillermo Angel as CMO and Andrea Diez Canseco for Digital Partnerships LATAM.
The company completed a 13-week Techstars program, with time spent in Denver and New York, and iterated a potential proof of concept with Western Union.
Via, a large Brazilian retailer, became both a commercial partner and an investor in MiBolsillo, with three pilots planned with Via companies and MiBolsillo's Brazilian brand Poupa Certo by year end.
MiBolsillo entered phase II with Mibanco, described as the largest microfinance institution in Peru, which uses MiBolsillo's AI-powered financial advisor for micro and small business owners within its Yevo platform, with a 12-month target of 1 million active users.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 6
primary sources listed
- MiBolsillo concreta alianzas con microfinancieras y se expandirá en la región | ECONOMIA | GESTIÓNgestion.pe · web
6 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does MiBolsillo do?
- Latin American fintech whose AI-powered financial advisor app helps microfinance institutions acquire and prepare unbanked borrowers.
- Who are MiBolsillo's investors?
- MiBolsillo's investors include Techstars.
- Where is MiBolsillo headquartered?
- MiBolsillo is headquartered in Comas, PE.