Best FinTech Companies in Chile
The 191 best FinTech companies in Chile in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Xepelin.
Chile's FinTech sector has 191 companies tracked here, ranked by disclosed equity funding and recent momentum, with $388M on the books and the field still wide open — no unicorns yet, but the trajectory is anything but quiet. Xepelin alone accounts for $144M of that total, which tells you where the B2B lending and working-capital bets are concentrating. The global market gives this context real weight: IMARC Group pegs the FinTech industry at roughly $113.4B in 2025, forecast to hit $461.6B by 2034 at a 17.21% CAGR, and the demand drivers — OEM-Pay solutions, SCA requirements under PSD2, digital banking platform shifts — are pulling emerging markets like Chile directly into that current.
So what's actually moving right now? Platform banking and cloud-based infrastructure are the hot themes this quarter, and globally the consolidation instinct is kicking in fast: PB Fintech's account aggregator push and Navi's lending app scaling to top-tier in three months both signal how fast distribution advantages compound. Chile's regulatory environment adds friction — conflicting government rules remain a structural drag — but investors like Start-Up Chile and Fen Ventures are clearly betting the fundamentals win out. I'd watch the next funding round closely: after Xepelin, the drop to Toku's $17M is steep, and that gap is exactly where the next breakout tends to hide.
- Statista
Our analysis of 1,006 FinTech companies
$195.5b in tracked funding; 96% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Chile
| # | Company | Disclosed funding | Last round | Stage | Employees | Founded | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Xepelin Online platform for business loans | $144M | 5 mo ago | Series B | 551 | 2019 | SanityApple iCloud MailNode.js+31 | — |
| 2 | Fintual Robo advisor based investment platform | $57M | 55 mo ago | Series B | 148 | 2017 | SentryNode.jsTypeScript+26 | — |
| 3 | ComparaOnline Price comparison site for financial products | $39M | 105 mo ago | Series C | 376 | 2009 | Apple iCloud MailGoogle WorkspaceNode.js+27 | — |
| 4 | RedCapital Online lending marketplace for SME loans | $21M | 84 mo ago | Series B | — | 2014 | Node.jsApexCharts.jsGoogle Maps+26 | — |
| 5 | Toku Provider of a platform for business payment collection and management | $17M | 14 mo ago | Series A | 110 | 2020 | HubSpot CMS HubInstatusEnvoy+20 | 1 partnership |
| 6 | Global66 Cross-border money transfer platform | $16M | 58 mo ago | Series A | 209 | 2018 | Node.jsSalesforceTailwind CSS+22 | 1 job opening |
| 7 | OpenCasa Provider of real estate brokerage services | $16M | 81 mo ago | Series A | 18 | 2018 | — | — |
| 8 | Destacame Provider of an app-based credit assessment platform | $13M | 42 mo ago | Series B | 140 | 2014 | WordPress Block EditorElementorWordPress+34 | — |
| 9 | KREDITO Online platform for business loans | $12M | 42 mo ago | Series A | 34 | 2019 | SentryNode.jsClerk+26 | — |
| 10 | Fintoc Open banking API solutions to consumers | $11M | 25 mo ago | Series A | 34 | 2020 | WebflowThree.jsVimeo+28 | 1 launch · 1 expansion |
| 11 | Datamart Data aggregation APIs for banks and financial institutions | $7M | 32 mo ago | Seed | 78 | 2017 | WordPressMySQLPHP+18 | — |
| 12 | Levannta Provider of financing solutions for businesses, including credit and contract advances | $4M | 29 mo ago | Series A | 7 | 2022 | ApexCharts.jsMUIReact+24 | 1 award |
| 13 | Colektia AI-based software for debt collection solutions | $4M | 18 mo ago | Series A | 151 | 2018 | WebflowAsanaAmazon Web Services+23 | — |
| 14 | Jooycar Provider of OBD-based plug-and-play device | $4M | 72 mo ago | Seed | 45 | 2014 | WordPressMySQLPHP+13 | — |
| 15 | Shinkansen Provider of treasury management platform automating payments and fraud detection | $3M | 35 mo ago | Seed | 7 | 2022 | GhostNode.jsVarnish+17 | 1 job opening |
| 16 | Tiaxa Provider of airtime credits and mobile money loans | $3M | 134 mo ago | Acquired | 159 | 2000 | — | — |
| 17 | Buda.com South American crypto exchange | $3M | — | Early Stage | 111 | 2015 | GhostNode.jsVarnish+21 | — |
| 18 | Justo Provider of AI-powered restaurant management software | $2M | 66 mo ago | Seed | 184 | 2018 | JustoTypeScriptGraphQL+26 | — |
| 19 | Racional App-based investment advisory & savings platform for individuals | $2M | 42 mo ago | Seed | 16 | 2018 | TypeScriptFirebaseBootstrap+20 | — |
| 20 | Capitalizarme Online marketplace for real estate investment opportunities | $2M | 97 mo ago | Series A | 180 | 2013 | Node.jsZohoNextAuth.js+20 | 1 job opening |
| 21 | Radar Provider of financial operations management suite specializing in treasury optimization | $2M | 26 mo ago | Seed | 15 | 2021 | Framer SitesReactAmazon Web Services+14 | 1 award |
| 22 | Koywe Web3 wallet designed to buy or sell crypto | $1M | 41 mo ago | Seed | 13 | 2018 | Cart FunctionalityTurbopackNode.js+26 | 1 job opening · 1 partnership |
| 23 | Retorna Online platform that provides solution for international money transfers | $1M | 23 mo ago | Seed | — | 2018 | WebflowAmazon Web ServicesReact+21 | 4 job openings |
| 24 | TransaTuAuto Platform providing online services for vehicle buying and selling transactions | $1M | 43 mo ago | Seed | — | 2016 | — | — |
| 25 | Airnguru Provider of pricing intelligence, optimization, and automation solutions for airlines | $1M | 27 mo ago | Seed | 26 | 2015 | Wix eCommerceWixSentry+16 | 1 partnership |
| 26 | Ceptinel Risk and compliance management solution | $1M | 97 mo ago | Seed | 17 | 2016 | — | 1 partnership |
| 27 | Valuelist Valuelist is a Chilean wealthtech company that organizes investments, pension funds, real estate… | $600K | 31 mo ago | Seed | 5 | 2010 | — | — |
| 28 | Plutto Online platform to identify and verify businesses | $500K | 47 mo ago | Seed | 9 | 2021 | RubyTailwind CSSRuby on Rails+14 | 1 job opening · 2 partnerships |
| 29 | Gokei Online platform offering automated refunds of medical expenses | $200K | 9 mo ago | Seed | — | 2023 | Node.jsElement UITailwind CSS+11 | 1 launch |
| 30 | Chipax Financial management software for small and medium-sized businesses | $185K | 47 mo ago | Seed | 34 | 2016 | Framer SitesUIKitReact+17 | — |
| 31 | Becual An online lending platform | $140K | 148 mo ago | Seed | — | 2014 | — | — |
| 32 | Cardda Cloud-based subscription payment management solutions for businesses | $125K | 52 mo ago | Seed | 9 | 2020 | SentryNode.jsFirebase+21 | — |
Top 12 FinTech companies in Chile
#1
Series B · Las Condes, Santiago Metropolitan Region · founded 2019 · 551 employees$143.5Mraised▾
Online platform for business loans. It allows businesses with invoice financing for their accounts receivables, direct financing, working capital loans through an online credit assessment, and more. Offers a flexible repayment option with multiple payment methods. Its AI-based risk model evaluates an operation, which allows the financing of any SMEs.
#2
Series A · Santiago, Santiago Metropolitan Region · founded 2020 · 110 employees$16.6Mraised▾
Provider of a platform for business payment collection and management. The platform offers tools for payment portals, management, and collection. It serves industries including real estate, insurance, education, and telecommunications. The platform provides features such as automated payment options and real-time data access. It also offers security measures and compliance certifications for payment processing.
#3
Series A · Providencia, Santiago Metropolitan Region · founded 2018 · 151 employees$4.2Mraised▾
AI-based software for debt collection solutions. It offers solutions for collections, portfolio management, portfolio purchase, recovery, and more. It also offers solutions to individuals for credit management.
#4
Seed · Vitacura, Santiago Metropolitan Region · founded 2023$200Kraised▾
Online platform offering automated refunds of medical expenses. It is a platform offering automated healthcare reimbursement solutions, simplifying the process of submitting medical expenses to insurance providers.
- Sep 2025Seed$200K
#5
Series A · Santiago, Santiago Metropolitan Region · founded 2020 · 34 employees$10.6Mraised▾
Open banking API solutions to consumers. It features tools for managing consumer payments, personal finance, grant credits, KYC & AML solutions, and automate accounting for businesses. Also, provides encrypted solutions for banks, government agencies, and high-security groups.
- Apr 2024Series A$7M
- 2021Seed$125K
- Jun 2021Seed$3M
#6
Seed · Providencia, Santiago Metropolitan Region · founded 2018$1.2Mraised▾
Online platform that provides solution for international money transfers
#7
Series B · Providencia, Santiago Metropolitan Region · founded 2017 · 148 employees$57Mraised▾
It provides a Robo advisor-based investment platform to investors. It uses algorithms to make automated investments. It invests in sovereign bonds, ETFs, and companies like Amazon, Google, JP Morgan, Berkshire Hathaway, and more
#8
Series A · Vitacura, Santiago Metropolitan Region · founded 2022 · 7 employees$4.5Mraised▾
Provider of financing solutions for businesses, including credit and contract advances. It offers options like invoice advances, short-term credit, and subscription financing. The company provides businesses with flexible financing based on sales and contracts. It aims to provide quick access to capital.
- Dec 2023Conventional Debt$8M
- Dec 2023Series A$2.5M
- Nov 2022Seed$2M
#9
Seed · Vitacura, Santiago Metropolitan Region · founded 2017 · 78 employees$6.6Mraised▾
Data aggregation APIs for banks and financial institutions. It enables users to control the information that is used by third-party companies. It also enables banks and financial institutions to access private customer and prospect information to build financial products.
- Oct 2023Seed$6.6M
#10
Series B · Santiago, Santiago Metropolitan Region · founded 2014 · 140 employees$13Mraised▾
Provider of an app-based credit assessment platform. It provides users with providing traditional credit scores for businesses and individuals. It also provides users with business reports, payment management, and bill payment solutions. Its app is available on the Android platform.
- Nov 2022Series B$10M
- Mar 2019Series A$3M
- Jan 2017Seed—
- Jan 2016Grant (prize money)$100K
#11
Series A · Lo Barnechea, Santiago Metropolitan Region · founded 2019 · 34 employees$11.5Mraised▾
Online platform for business loans. It offers SME loans to businesses by using a credit account with NFC-enabled plastic cards. The loan amount depends on the business data provided and is analyzed using artificial intelligence. Once approved the funds are directly transferred to the registered business account.
#12
Seed · Santiago, Santiago Metropolitan Region · founded 2021 · 15 employees$1.5Mraised▾
Provider of financial operations management suite specializing in treasury optimization. The suite facilitates processes related to reconciliation and payouts. It offers tools to centralize financial information and manage payment volumes. The suite aims to reduce manual operations and improve cash flow visibility.
Funding & investor landscape
Notable founders
How research on Fintech is moving in Chile
A read on the academic research around Fintech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 4 Chile-affiliated papers.
- University Ucinf3
- Atacama Large Millimeter Submillimeter Array1
- Transformative learning2
- Resilience (materials science)2
- Financial services2
- Risk management2
- Financial risk2
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.