Santiago, Chile

Banking infrastructure, rebuilt from the ground up. Built for Chile.

HyperPagos: personal and business accounts on native ISO 20022 rails with proprietary regulatory intelligence. Soft launch Q1 2027.

For investors →
HYPER Digital Experience
01 / Thesis

Chile is LATAM's most banked country — and its worst served.

70% of the population has an account. And yet they remain trapped in a system of three banks, two bank-subsidiary neobanks, and zero independent AI-native alternatives.

In July 2027, that changes. Chile's Open Finance System (SFA) becomes operational and rewrites how Chileans access, compare, and move their money.

We're building HYPER to arrive before that opening. Not to repeat what already exists. To define what comes next.

HYPER Architecture Wireframe
02 / Product

HyperPagos.
One account. Two modes.

Personal

For your daily life.

  • Digital account with international MastercardFrom day one, no branches
  • Instant transfers with no feesBetween HYPER accounts and to other banks
  • AI assistant in conversational SpanishAsk about your finances in natural language
  • Real-time notificationsEvery transaction, every payment, instantly
Soft launch Q1 2027
Business

For your business.

  • SpA, SME or professional account100% digital onboarding, no paperwork
  • Instant QR paymentsNo terminal, no contract, no commission
  • Team cards with granular controlPer-person limits, expense dashboard
  • Payments API for integrationsFull documentation and sandbox
Soft launch Q2 2027
03 / Stack

We don't reinvent the rails. We compose the right architecture.

CLIENT HyperPagos App Personal and business accounts PROPRIETARY LAYER · MOAT Regulatory AI RAG over CMF / SII / UAF Automated compliance Proprietary RAG engine Native ISO 20022 Standard financial messaging Ready for SFA July 2027 No legacy retrofit ENTERPRISE STACK · FIRST BACKERS BaaS Partner Visa / Mastercard issuing 55M tx/day · 6 LATAM markets Microsoft for Startups Founders Hub Selected portfolio company Google for Startups Cloud Program Selected portfolio company

We build on top of a BaaS partner (Visa/Mastercard, 55M tx/day) with native ISO 20022 messaging — the standard Chilean banks are only just migrating to in 2026.

On top, our proprietary layer: vertical regulatory intelligence over CMF / SII / UAF, powered by a proprietary RAG engine.

Production stack backed by Microsoft for Startups Founders Hub and Google for Startups Cloud Program — our first institutional backers.

Backed by
Microsoft Azure Google Cloud for Startups
04 / Why now

A regulatory catalyst.
Two engines positioned for it.

In 2027 Chile's financial system changes structurally. We're building HYPER to operate on both sides of that change — as an independent consumer app, and as the compliance infrastructure incumbents need to comply.

— July 2027
The catalyst · CMF · NCG 514
Chile's Open Finance System (SFA) becomes operational.

For the first time, financial data moves between institutions with user consent. Switching friction collapses. The defensive moats that protected incumbents — distribution lock-in, account inertia, data silos — stop working. Compliance with NCG 514 becomes mandatory for every regulated financial institution.

— Engine 01 Phase 1 · Q1 2027

HyperPagos

Independent AI-native consumer app

Today Chile has three banks, two bank-subsidiary neobanks (MACH/BCI, Tenpo/Credicorp), and zero independent AI-native alternatives.

When SFA removes switching friction, users with portable data will choose the better product — not the one their bank built defensively. We launch ahead of SFA to be the first independent option ready when it goes live.

Why we win Phase 1
Independent. AI-native by design. Built when switching becomes friction-free.
— Engine 02 Phase 2 · 2027–2028

HyperCompliance

Compliance API for the SFA era

NCG 514 mandates SFA compliance across all regulated financial institutions in Chile: banks, card issuers, insurers, fund managers, cooperatives, pension funds — every entity defined as IPI or IPC under the Fintech Law.

Most won't build vertical regulatory AI in-house. The compliance layer we build for HyperPagos in Phase 1 becomes the product we license to the institutions that must comply — including the incumbents whose users we competed for.

Why we win Phase 2
Subsidiary neobanks can't sell compliance — conflict of interest. We can.
→
Phase 1 builds the stack. Phase 2 turns the stack into the business. HyperPagos is how we earn the right to sell HyperCompliance.
05 / Team
Luciano Rodríguez García

Luciano Rodríguez García

Founder · CEO

Fintech operator. Systems engineering. 16+ years in banking and regtech across Santander Argentina, Falcon Private Bank (Switzerland), Monobank (Ukraine), and Transtar Networks (Finland). Specialized in highly complex regulated markets.

Eduardo Ascui Thomas

Eduardo Ascui Thomas

Co-Founder · General Counsel

Chilean corporate counsel with experience in legal architecture, corporate governance, regulatory compliance, and structured operations in LATAM fintech. Lead on CMF relations and corporate structuring.

06 / For investors

HYPER is in FF / Friends & Family Round.

We're raising US$500K on SAFE with US$5M post-money cap to launch HyperPagos in Q1 2027 and reach institutional pre-seed with validated traction.

Raise
US$500K
Cap
US$5M post
Vehicle
SAFE
Runway
12–18 months
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