Monato is building the financial infrastructure powering Latin America’s next generation of digital businesses. Through a unified API, Monato enables companies to embed payments, bank transfers, credit, and business intelligence into their products—simplifying complexity while unlocking new revenue streams.
With modular tools like Monato Pay, Finch by Monato, and Monato Financial, the platform allows fintechs, retailers, and SMEs to automate their operations—issuing virtual accounts, executing bulk payments via SPEI, and offering embedded credit—all through a single integration. By bridging traditional banking with modern APIs, Monato empowers businesses to scale faster and operate more efficiently across the region.
Monato is building the financial infrastructure powering Latin America’s next generation of digital businesses. Through a unified API, Monato enables companies to embed payments, bank transfers, credit, and business intelligence into their products—simplifying complexity while unlocking new revenue streams.
With modular tools like Monato Pay, Finch by Monato, and Monato Financial, the platform allows fintechs, retailers, and SMEs to automate their operations—issuing virtual accounts, executing bulk payments via SPEI, and offering embedded credit—all through a single integration. By bridging traditional banking with modern APIs, Monato empowers businesses to scale faster and operate more efficiently across the region.
Monato is building the financial infrastructure powering Latin America’s next generation of digital businesses. Through a unified API, Monato enables companies to embed payments, bank transfers, credit, and business intelligence into their products—simplifying complexity while unlocking new revenue streams.
With modular tools like Monato Pay, Finch by Monato, and Monato Financial, the platform allows fintechs, retailers, and SMEs to automate their operations—issuing virtual accounts, executing bulk payments via SPEI, and offering embedded credit—all through a single integration. By bridging traditional banking with modern APIs, Monato empowers businesses to scale faster and operate more efficiently across the region.
Accessing credit remains a major barrier for small and mid-sized businesses in Mexico, especially when purchasing inventory or supplies. Kontempo solves this by offering instant B2B “Buy Now, Pay Later” financing embedded directly into e-commerce and procurement platforms. Buyers pay over time, while sellers get paid upfront—boosting cash flow for both.
Using alternative data and AI-driven underwriting, Kontempo delivers credit decisions in minutes, helping businesses grow without relying on slow, traditional banking.
Accessing credit remains a major barrier for small and mid-sized businesses in Mexico, especially when purchasing inventory or supplies. Kontempo solves this by offering instant B2B “Buy Now, Pay Later” financing embedded directly into e-commerce and procurement platforms. Buyers pay over time, while sellers get paid upfront—boosting cash flow for both.
Using alternative data and AI-driven underwriting, Kontempo delivers credit decisions in minutes, helping businesses grow without relying on slow, traditional banking.
Accessing credit remains a major barrier for small and mid-sized businesses in Mexico, especially when purchasing inventory or supplies. Kontempo solves this by offering instant B2B “Buy Now, Pay Later” financing embedded directly into e-commerce and procurement platforms. Buyers pay over time, while sellers get paid upfront—boosting cash flow for both.
Using alternative data and AI-driven underwriting, Kontempo delivers credit decisions in minutes, helping businesses grow without relying on slow, traditional banking.
When it comes to credit card issuances, Mexican banks don't segment their customer base, meaning that prime and subprime customers pay 69%+ APRs. For consumers unable to pay their credit card balance in full at the end of each month, high interest rates compounded on a daily basis make a challenging situation even worse.
In response, Digitt offers Mexican consumers a refinancing option for their existing credit card debt at substantially lower rates over a 12 to 24-month period. To qualify for refinancing through Digitt's platform, credit card holders must have a strong credit history with the Mexican Credit Bureau exhibiting on-time payments with their existing credit card issuer over time.
When it comes to credit card issuances, Mexican banks don't segment their customer base, meaning that prime and subprime customers pay 69%+ APRs. For consumers unable to pay their credit card balance in full at the end of each month, high interest rates compounded on a daily basis make a challenging situation even worse.
In response, Digitt offers Mexican consumers a refinancing option for their existing credit card debt at substantially lower rates over a 12 to 24-month period. To qualify for refinancing through Digitt's platform, credit card holders must have a strong credit history with the Mexican Credit Bureau exhibiting on-time payments with their existing credit card issuer over time.
When it comes to credit card issuances, Mexican banks don't segment their customer base, meaning that prime and subprime customers pay 69%+ APRs. For consumers unable to pay their credit card balance in full at the end of each month, high interest rates compounded on a daily basis make a challenging situation even worse.
In response, Digitt offers Mexican consumers a refinancing option for their existing credit card debt at substantially lower rates over a 12 to 24-month period. To qualify for refinancing through Digitt's platform, credit card holders must have a strong credit history with the Mexican Credit Bureau exhibiting on-time payments with their existing credit card issuer over time.
Pacto is a technology platform transforming the restaurant and bar industry in Mexico and Latin America by driving digitalization and boosting profitability. By integrating digital commerce with cutting-edge technology solutions, Pacto enables small and medium-sized businesses in the food and beverage sector to improve efficiency and grow their operations by up to 5x.
With a Software as a Service (SaaS) model, the Pacto Operating System provides an all-in-one solution that includes integrated payments, intelligent management tools, and a dynamic, mobile-accessible menu. This comprehensive platform replaces manual processes, optimizing restaurant performance and enhancing the service experience for both owners and customers.
Pacto is a technology platform transforming the restaurant and bar industry in Mexico and Latin America by driving digitalization and boosting profitability. By integrating digital commerce with cutting-edge technology solutions, Pacto enables small and medium-sized businesses in the food and beverage sector to improve efficiency and grow their operations by up to 5x.
With a Software as a Service (SaaS) model, the Pacto Operating System provides an all-in-one solution that includes integrated payments, intelligent management tools, and a dynamic, mobile-accessible menu. This comprehensive platform replaces manual processes, optimizing restaurant performance and enhancing the service experience for both owners and customers.
Pacto is a technology platform transforming the restaurant and bar industry in Mexico and Latin America by driving digitalization and boosting profitability. By integrating digital commerce with cutting-edge technology solutions, Pacto enables small and medium-sized businesses in the food and beverage sector to improve efficiency and grow their operations by up to 5x.
With a Software as a Service (SaaS) model, the Pacto Operating System provides an all-in-one solution that includes integrated payments, intelligent management tools, and a dynamic, mobile-accessible menu. This comprehensive platform replaces manual processes, optimizing restaurant performance and enhancing the service experience for both owners and customers.
Autolab is revolutionizing the auto repair industry in Latin America by empowering independent shop owners with the technology and tools needed to professionalize their businesses. By addressing the widespread informality in the sector, Autolab enhances service quality and supports the economic growth of the emerging middle class.
Following its success in Colombia, Autolab has expanded into Mexico, focusing on B2B clients with large vehicle fleets. Autolab is set to grow its network continuing to redefine the auto repair experience in the region.
Autolab is revolutionizing the auto repair industry in Latin America by empowering independent shop owners with the technology and tools needed to professionalize their businesses. By addressing the widespread informality in the sector, Autolab enhances service quality and supports the economic growth of the emerging middle class.
Following its success in Colombia, Autolab has expanded into Mexico, focusing on B2B clients with large vehicle fleets. Autolab is set to grow its network continuing to redefine the auto repair experience in the region.
Autolab is revolutionizing the auto repair industry in Latin America by empowering independent shop owners with the technology and tools needed to professionalize their businesses. By addressing the widespread informality in the sector, Autolab enhances service quality and supports the economic growth of the emerging middle class.
Following its success in Colombia, Autolab has expanded into Mexico, focusing on B2B clients with large vehicle fleets. Autolab is set to grow its network continuing to redefine the auto repair experience in the region.
Elenas is revolutionizing direct sales in Latin America by empowering women to achieve financial independence through social commerce. By modernizing the traditional model, Elenas allows “embajadoras” to sell products from home, while the platform handles logistics and payments, enabling them to grow their businesses with ease.
Since its launch, Elenas has partnered with over 250 distributors, raised $6 million in Series A funding, and expanded into Mexico. Recognized by TechCrunch and Forbes, Elenas continues to grow its product offerings and income opportunities, with plans for further international expansion.
Elenas is revolutionizing direct sales in Latin America by empowering women to achieve financial independence through social commerce. By modernizing the traditional model, Elenas allows “embajadoras” to sell products from home, while the platform handles logistics and payments, enabling them to grow their businesses with ease.
Since its launch, Elenas has partnered with over 250 distributors, raised $6 million in Series A funding, and expanded into Mexico. Recognized by TechCrunch and Forbes, Elenas continues to grow its product offerings and income opportunities, with plans for further international expansion.
Elenas is revolutionizing direct sales in Latin America by empowering women to achieve financial independence through social commerce. By modernizing the traditional model, Elenas allows “embajadoras” to sell products from home, while the platform handles logistics and payments, enabling them to grow their businesses with ease.
Since its launch, Elenas has partnered with over 250 distributors, raised $6 million in Series A funding, and expanded into Mexico. Recognized by TechCrunch and Forbes, Elenas continues to grow its product offerings and income opportunities, with plans for further international expansion.
With its rapidly growing and digitizing middle class of 311 million people, Latin America is facing a once-in-a-generation opportunity. Today, the region's lower and middle-class spend US$4T annually, which is 6.5x more than upper-income consumers in the region and comparable to the US middle-class spend.
Over the last twelve years, Polymath has remained constant in our mission to improve the lives of the emerging middle class in Latin America. Our product expertise and understanding of the lower and middle-class demographics allow Polymath to build scalable and incredibly impactful companies that are game-changers for financial inclusiveness, labor productivity, and gender equity.
