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By Conomy_Payment4Platforms
P4P (Payments for Platforms) is our core payments product designed for global platforms operating across Latin America. It offers a unified interface to collect, hold, split, and disburse funds across multiple countries, currencies, and recipients, without requiring platforms to establish local entities or bank accounts.
With P4P, platforms can accept payments from end users throughout the region and programmatically route funds to customers, service providers, suppliers, and internal commission accounts. Payouts can be executed both locally and internationally, enabling platforms to receive revenues and commissions directly in their preferred local currency.
We are going to integrate the following core products and services:
Stellar as the settlement and routing layer for USDC on-chain transactions, providing a canonical, low-fee layer where fiat and crypto value converge for final settlement and internal routing, simplifying global fund flows.
Privy wallets for on-chain wallet management and multi-signature and delegated signing, integrated with our Auth0 user system, enabling secure USDC holding and transactions with multi-signer/delegate support, expanding access to digital dollars while reducing reliance on legacy bank accounts.
Bridge virtual accounts and rails to support fiat pay-ins and pay-outs (routing numbers, virtual CLABE, UK/EU rails, PIX in Brazil), adding reliable global fiat infrastructure, expanding geographic coverage, increasing flexibility across payment flows, and unlocking a future capability to offer corporate cards linked to these accounts for businesses, enabling spend management and card-based disbursements directly connected to their fiat and USDC balances.
$103.0K
Payments for platforms or P4P was launched just 4 months ago. P4P is a payment interface that allows companies from almost anywhere in the world to collect, pay, and disburse payments to their customers, suppliers, and service providers in Chile, Peru, Brazil, Argentina, Bolivia, Colombia, and Mexico.
Since we launched this solution a short time ago, we have achieved great results:
5 platforms fully onboarded and operating.
About USD$10 MM processed last month (and growing).
3 platforms on our active pipeline.
0.4% average margin on money processed.
We have a signed NDA with all our operational customers, so if you need to review the contracts or NDAs, please find a time slot here and we will schedule a brief call to show you this information, as we cannot make it public in this submission.
Innovation and other products traction:
Conomy App: In early 2023, we launched conomy.app, a mobile fintech product targeting the Chilean retail market. The app was the first in the region to offer a USDC-based crypto card, also was the first USDC-yield account in Chile, and again the first tokenized a local investment fund (ERC-20) to deliver yield in CLP. And around the end of 2023 enabled international remittances across Chile, Argentina, Peru, Colombia, and Mexico.
In less than two years, the product achieved:
5,500+ active users
$2>CAC with <2% churn over 24 months
$5M+ in processed transactions
$0.97 ARPU/month
This B2C experience highlighted two core lessons: (1) the inefficiencies and friction between crypto and traditional payment rails, and (2) the high cost structure of digital payments in Latin America. Recognizing these limitations-and the inherent scalability challenges of retail-prompted our pivot to B2B.
B2B Pivot & Growth: In early 2024, we transitioned to B2B after a Chilean bank approached us with a payment operations challenge we were uniquely positioned to solve. So we decided to start offering our fintech infrastructure to other companies, we offered fintech services like:
Mobile white-label fintech app.
Local payment processing.
Cross border payment processing and settlement.
A reconciliation web platform.
One of our most relevant client it’s Finviar (with our white label solution). Finviar is a mobile application that, in addition to being innovative, was requested by a very interesting client. This app offers remittance services to Mexican migrants living in the United States and Canada. The most interesting thing is that it is built on blockchain using non-custodial wallets from the Solana network. This product was developed and implemented for the federal government of Mexico.
Key traction since the pivot:
7 enterprise clients onboarded.
Growth by 55x our MRR in 24 months
$360K in ARR in 2025.
Operations in Chile, Colombia, Argentina, Brazil, Mexico, the US*, and Canada.
Focus industries: hospitality, mobility, gig workers, and family remittances.
The main value delivered is operational efficiency. Our clients scale faster and expand internationally while reducing costs. A standout example: we helped the Mexican federal government launch a stablecoin-based remittance solution for migrants in the US and Canada. According to World Bank data, it’s the most cost-effective remittance service on the market, with no government subsidies-only tech-driven efficiency.
Company historical traction
Accelerator programs & VCs: We’ve participated in several top-tier programs that helped validate and accelerate both our B2C and B2B strategies. These include:
Startup Chile (Build, Ignite, and Growth programs): We joined Build and Ignite in 2023, and later participated in the Growth program from 2024 to 2025. Early grants from Startup Chile enabled us to launch our B2C product. Later, Growth funding supported the development of our B2B platform, Payment4Platforms. The program also provided access to key mentors, some of whom became advisors, including María Fernanda Juppet and Leonardo Soto. Through the Startup Chile network, we secured strategic partnerships with fintechs such as ETPay, Reveniu, and Fintoc. Visibility from these programs helped us attract investors like Plug & Play, Chile Ventures, and Rhombuz VC. Currently we’re mentors for other fintech startups in Startup Chile.
Draper x Stellar (2025 Cohort): In July 2025, we joined the Draper x Stellar program, where we deepened our understanding of the Stellar ecosystem. This experience directly informed our integration roadmap for Stellar-based wallets and cross-border payments. We received valuable technical guidance from Stellar mentor Elliot Voris, particularly on SEP implementations.
Awards & Media Recognition: Our work has been recognized by leading global organizations and media outlets, reflecting the impact and relevance of our financial infrastructure in Latin America:
Circle Partner (2024–present): We’re an official member of the Circle Alliance Program, collaborating on stablecoin adoption and cross-border payment use cases.
Forbes Top 100 Startups (2024): Forbes selected Conomy as one of the 100 most promising startups in Chile and Latin America, highlighting our innovative financial infrastructure.
11:FS Fintech Awards Finalist (2024): We were nominated by 11:FS, a leading global fintech consultancy, for the “Purpose: Fintech for Good” award, recognizing our impact on financial inclusion in Latin America.
F6S Ranking (2025): In June 2025, F6S, a global product and startup network, ranked Conomy as the second most important fintech company in Chile.
These recognitions reinforce the scalability, social value, and market fit of our platform and vision.
Strategic Partnerships & Ecosystem: We’ve built a strong and growing network of strategic partners across the payments and crypto infrastructure landscape, essential to scaling our product and expanding into new markets: Payment, FX & Stablecoin Partners: We work with a range of infrastructure providers including Koywe, OrionX, ETPay, CryptoMKT, Coinchange, VitaWallet, Conduit, CFX, Cybrid, and AWS to enable compliant on/off ramps, token swaps, and FX automation in Latin America and beyond.
Deliver a fully functional MVP that showcases the redesigned user experience and core platform capabilities, including frontend implementation with integrated Privy wallet onboarding, multi-currency (USDC, EURC) support, and multi-territory payment flows. Completion will be demonstrated through live demos, integrated screens, region-aware UI logic, and a demo video or test account for evaluator validation.
Deliverable 1
Description: Implementation of the new screens and flows from the updated and improved UX/UI design delivered in the previous milestone, at the frontend level.
How to Measure Completion:
Front-end integration of Privy wallet onboarding flows, including wallet creation, user authorization states, and UI handling of wallet lifecycle events within the application.
Front-end integration of EURC and USDC as supported assets, covering balance visualization, transaction history, asset selection, formatting, and state management across all relevant payment and transfer flows.
Front-end enablement of multi-territory operations (US, UK, EU), including region-aware UI logic for collections and disbursements, currency/rail availability, compliance-driven flow variations, and territory-specific transaction states.
We’ll provide a DEMO video for the evaluators to show all the flows or we could facilitate a DEMO account to prove by themselves.
Estimated Completion Date: 4 weeks.
Budget: $16,000
Success Criteria (or measurement):
End-to-end demo video of an MVP account showcasing the new interface and improved user experience, including fully functional USDC wallets and the correct operation of new supported currencies and territories across all relevant flows.
Total Budget: $16,000
Enable full Bridge integration in Testnet by implementing real-time quote retrieval and normalization across global corridors (US, UK, EU, BR); building the execution layer that converts selected quotes into live orders via Bridge Transfers API with complete state progression and wallet delivery; and adding reconciliation workflows that produce verifiable settlement records and traceability from quote through order to final outcomes. Completion will be demonstrated with documented APIs, automated tests, testnet evidence of executed pay-in and pay-out flows, and exportable reconciliation logs.
Deliverable 2
Description: Enable retrieval and normalization of Bridge quotes for on-ramp and off-ramp corridors, expose a unified quote API.
How to Measure Completion:
Integrate Bridge quote retrieval for all supported corridors (US, UK, EU, BR) into Conomy_hq’s (our) quoting service.
Normalize Bridge quote output into internal standardized quote schema (FX estimate, fees, net amount, route info).
Ensure routing engine can ingest Bridge quotes alongside other rails for pay-in and pay-out simulations.
Provide API endpoint that returns quote results from Bridge and internal normalization logic.
Document quote endpoint with schema, parameter descriptions, and example responses.
Facilitate an API for evaluators to make quote calls themselves.
Estimated Completion Date: 3 weeks.
Budget: $23,250
Deliverable 3
Description: Implement execution logic that turns selected Bridge quotes into live orders via Bridge Transfers API, handles transfer state progression, and delivers funds to Conomy_hq wallets for both pay-in and pay-out flows.
How to Measure Completion:
Implement order execution logic that uses selected Bridge quotes to create an actual Bridge Orchestration Transfer for pay-in.
Ensure Conomy orders progress through Bridge transfer states (awaiting_funds, payment_processed).
Route Bridge transfer results to Conomy_hq wallets.
Integrate off-ramp execution using Bridge or other providers based on selected route.
Capture transfer metadata, status and amounts in the internal order database.
Provide API endpoint to create an order or initiate orders based on quote IDs
Implement internal end-to-end tests verifying that quote, order, execution transitions succeed.
Facilitate an API where evaluators can run order flows.
Estimated Completion Date: 3 weeks
Budget: $23,250
Deliverable 4
Description: Build reconciliation processes that match executed orders with final settlement outcomes, produce exportable logs/reports, and demonstrate reconciliation results for on-chain and off-chain legs.
How to Measure Completion:
Build reconciliation processes that match executed orders (Bridge transfers) with settlement outcomes (wallet credits, off-ramp settlement).
Persist reconciliation logs showing traceability from quote, order, transfer states and final settlement.
Implement reconciliation reports that can be exported and audited.
Display on the dashboard the reconciliation results for both Chain and Off-chain legs.
Demonstrate export of settlement records for evaluators (CSV or structured logs).
Estimated Completion Date: 2 weeks
Budget: $15,500
Success Criteria (or measurement):
A fully functional Testnet Bridge integration demonstrating real-time quotes, executed orders via Bridge Transfers API with state progression, and reconciliation outputs, validated with documented APIs, automated tests, testnet transactions, and exportable settlement evidence. The evaluator could access to a dashboard account or via API.
Total Budget: $62,000
In Tranche 3 the focus is on moving the platform into mainnet readiness and production capabilities. This includes stabilizing and scaling the Bridge integration for live corridors, migrating all users to the Privy custom JWT integration with Auth0, enabling full USDC and EURC account support in production, and ensuring clients can receive, hold, and transact these assets. The tranche also covers implementing off-chain compliance and custody workflows and integrating the Stellar gas sponsorship flow for wallet activation.
Deliverable 5
Description: Stabilize the Bridge integration in mainnet, complete production rollout for all supported corridors, ensure live pay-in/pay-out execution, transfer state tracking, settlement, monitoring, and provide production evidence of these flows.
How to Measure Completion:
Stabilize the Bridge integration for mainnet readiness.
Complete full production rollout of Bridge as a supported payment provider across US, UK, EU, and BR corridors.
Ensure real-time quote execution, order processing, transfer state tracking, and settlement in production.
Provide production monitoring, error tracking, and performance dashboards for Bridge rails.
Deliver mainnet demo evidence showing live pay-in and pay-out flows via Bridge.
Facilitate an API where evaluators can run real order flows.
Estimated Completion Date: 10 days.
Budget: $9,500
Deliverable 6
Description: Migrate all users to the custom JWT Privy integration with Auth0, enable full end-to-end USDC and EURC accounts on mainnet, allow clients to receive funds in USDC and EURC, and implement off-chain compliance for capture and custody of those assets.
How to Measure Completion:
Migrate all existing users to Privy using the custom JWT integration with Auth0.
Implement end-to-end support for USDC and EURC accounts on mainnet.
Integrate Stellar gas sponsorship using Stellar SDK to activate new wallets and cover fees via the designated conomy_hq wallet.
Enable clients to receive and hold funds in USDC and EURC.
Implement off-chain compliance workflows for capture and custody of USDC and EURC balances.
Provide documentation, monitoring, and demo evidence showing successful mainnet operations for both USDC and EURC flows.
Estimated Completion Date: 20 days.
Budget: $15,500
Success Criteria (or measurement):
A production-ready mainnet rollout where Bridge rails are stabilized and live across corridors, all users migrated to Privy custom JWT integration and USDC/EURC accounts enabled end-to-end with gas sponsorship, demonstrated with live mainnet demos, monitoring and access to an account to our dashboard and API.
Total Budget: $25,000
Pablo is an economist with a strong focus on strategy and business development within the crypto industry. His main strength lies in approaching crypto-based solutions from a business and financial perspective, supported by a deep understanding of traditional finance and payment systems. This allows him to clearly identify gaps where crypto can deliver meaningful advantages.
Felipe sold his first startup in Germany in 2018, where he was introduced to the fintech, payments, and crypto ecosystem. He has been building in Web3 for over six years and led the development and global rollout of the shopping cart and checkout systems for the Inditex Group, best known for Zara.com.
With Pablo as CEO and Felipe as Co-founder and CTO, we were the first company in Chile to launch:
A crypto card (Q1 2022)
A crypto yielding account (Q3 2023)
The tokenization of a Chilean investment fund to offer yield in Chilean pesos
Tomás, Technical Lead, has over 5 years of experience in Web3 development and more than 7 years in digital payments. Fredy, our Frontend Developer, has over 5 years of experience building digital payment platforms and more than 8 years in frontend development.
LinkedIn:
Felipe García
Pablo Acuña
By Conomy_Payment4Platforms
Global payment gateway for business