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Monet

YC S21

Miami, US · Founded 2020 · 42 employees · 11 known investors

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Monet is a Colombian lending app that offers short-term credit lines of up to $500,000 COP with fast approval and no interest, charging fixed service fees instead. It uses open banking to analyze applicants' bank movements and serves individuals in Colombia, including those with negative credit reports, via app, website, or WhatsApp.

Also known as Monet Holdings Limited

FintechUnited States of AmericaAmerica / CanadaFully Remote

Founders & leadership· Y Combinator alumni (S21)

Monet was founded in 2020 by Leonardo Devincenzi.

LDLeonardo Devincenzi
Leonardo DevincenziFounder · Chief Executive OfficerHe has over 20 years of experience in business development and strategic advisory, with the past 10 years focused on Latin American startups as both an investor and founder.
FF
Freddy Fernandez
JA
Jonathan Araujo Duarte
JL
Jaime Lossada

Investors · 11

Gaingelslisted by GaingelsNew York · $200K – $500K

How we know: gaingels.com · Not right? Tell us

INCA VENTURESlisted by INCA VENTURES

How we know: INCA VENTURES's portfolio page · Y Combinator's founder network · open dataset · 5k.vc investor directory · Not right? Tell us

Y Combinatorlisted by Y CombinatorSan Francisco · $500K

How we know: the Y Combinator directory · open dataset · 5k.vc investor directory · Not right? Tell us

DCM VenturesreportedMenlo Park · $250K – $15M

How we know: Y Combinator's founder network · Not right? Tell us

Eureka CapitalreportedNew York

How we know: Y Combinator's founder network · Not right? Tell us

Harvard Management CompanyreportedAllston

How we know: Y Combinator's founder network · Not right? Tell us

HedosophiareportedLondon

How we know: Y Combinator's founder network · Not right? Tell us

Intonation Venturesreported$25K – $250K

How we know: open dataset · 5k.vc investor directory · Not right? Tell us

K5 GlobalreportedSan Francisco · $1M – $3M

How we know: Y Combinator's founder network · Not right? Tell us

The Riverside CompanyreportedCleveland

How we know: Y Combinator's founder network · Not right? Tell us

Funding

SEC filings, press & company announcements

$48M disclosed across 2 of 3 rounds · 2025–2026

Source: company announcements and press reports — follow each round's link for the claim.

Related companies · 8

FinchFinch provides an API platform for applications to securely access employer and employee data with explicit consent, serving businesses that need workforce data integration. The company prioritizes enterprise-grade security, encryption, and compliance standards.
PortafolioPortafolio is a Colombian digital news outlet covering economics, finance, and business, offering coverage of markets, companies, opinion pieces, and tools such as a currency converter. It publishes news on the Colombian and global economy for a business and finance readership.
SlopeSlope provides a B2B payments platform that enables businesses to accept payments and offer financing, with a focus on digitizing the order-to-cash process for online commerce. The company uses generative AI to modernize traditionally manual B2B payment workflows.
PulzoPulzo is a Colombian digital news outlet publishing articles on national politics and current events for a Spanish-speaking, Colombia-focused audience.
PestoPesto Mastercard offers affordable credit for people with poor or limited credit history, positioning itself as an alternative to high-cost pawn loans. The product allows users to build credit history and improve credit scores through regular, on-time payments.
EmburseEmburse is an expense management and accounts payable automation platform that gives businesses insight into and control over corporate spending. It lets companies issue virtual or physical MasterCard-branded expense cards to employees and contractors for pre-approved business expenses.
RaisinRaisin operates an online marketplace that gives savers access to savings, deposit, and private equity products across multiple countries, with offers tailored to the user's country of tax residence.
SiftSift provides fraud and abuse prevention technology for digital businesses, using a global data network processing billions of events per month to detect risk. It serves companies ranging from startups to large enterprises across industries, positioned in the digital trust and safety category.

Companies working in the same space as Monet.

Legal entities · 1

corporate structure
Monet Holdings Limited

In the news

Monet raises $24M Series A - LatamListlatamlist.com · Dec 2025

Frequently asked questions

What does Monet do?
Monet is a Colombian lending app that offers short-term credit lines of up to $500,000 COP with fast approval and no interest, charging fixed service fees instead. It uses open banking to analyze applicants' bank movements and serves individuals in Colombia, including those with negative credit reports, via app, website, or WhatsApp.
Who founded Monet?
Monet was founded by Leonardo Devincenzi in 2020.
Who are Monet's investors?
Monet's investors include 2080 Ventures, Gaingels, INCA VENTURES, Y Combinator, DCM Ventures, Eureka Capital, Harvard Management Company, Hedosophia and 3 more.
How much funding has Monet raised?
Monet has disclosed $48M raised across 2 of its 3 known rounds.
Where is Monet headquartered?
Monet is headquartered in Miami, US.