I. Company Overview and Positioning
Founded in 2019 and headquartered in Barranquilla, Colombia, Efinti is a Fintech platform focused on optimizing the capital chain of small and medium-sized enterprises in Latin America. Founded by Andrés Tobón (CEO) and Alejandra Gaviria (COO), the company has a staff of approximately 11–50 people, covering both local and global teams in Colombia.
Efinti's mission is to provide fast, low-cost, compliant and flexible financing services to small and medium-sized enterprises in Latin America through the combination of digital assets and crypto. By building a dual-track capital system of "fiat currency + crypto assets", Efinti is committed to solving the problem of capital disconnection faced by local enterprises, lowering the threshold for financing and improving transparency.
2. Product and business modules
1. Accounts Payable Financing (Factoring
). Efinti offers debt financing services to help businesses quickly monetize invoices that have not yet been collected. After the platform is reviewed, the institutional investor or the platform itself will pay the funds to the enterprise in advance at the discounted price, and the enterprise will repay the principal and interest after maturity. Efinti receives fees and service revenues from them. Accounts imply credit risk but have high short-term certainty, which is suitable for rapid capital turnover.
2. Accounts payable confirming
In the Confirming model, Efinti acts as an intermediary to coordinate the payment point between the buyer (business) and the seller (supplier). In other words, Efinti pays the supplier upfront, and the company pays Efinti later. This mechanism optimizes the flow of funds upstream and downstream of the supply chain, and Efinti receives the relevant price differentials and service fees as a source of profit.
3. SME Digital Crypto Liquidity Tool
In order to expand financing channels, Efinti is integrating digital asset functions, allowing institutional investors to participate in SME financing through stablecoins or crypto assets, and investors lock their funds in smart contracts or platform closed systems, waiting for companies to repay them and return them together, and compensate for contract revenues. This move opens up the boundary between fiat currency and crypto asset fund circulation.
4. Business Loans
Efinti is testing a business lending product to expand its portfolio of services to Latin American SMEs by offering short-term credit lines based on pledges, cash flow data, and crypto-backed assets. and provide a more flexible structure than traditional financing systems.
3. Technical architecture and system support
Underlying integration of the blockchain: The background uses a compatible chain and a stablecoin payment system, investors' funds enter in the form of crypto assets, and the platform docks with the wallet and the exchange interface to perform payment recovery.
Smart contract services: Account financing and title confirmation contracts use smart contracts to control the flow of funds, and set deadlines, fees and defaults to be automatically triggered, making the process highly transparent.
Database and compliance backend: A SQL-based relational database is used to manage middle and backend business data, credit investigation and redemption status, with user KYC/AML identity authentication system.
API and business interface: It provides a docking interface for investment institutions, which can be connected to the Efinti system for fund inflow, investment review, repayment reconciliation and return distribution.
4. Regulatory Layout and Compliance Structure
local supervision: A FinTech business based in Colombia that must comply with the regulations of the local central bank and financial regulator for SME credit products.
Global compliance team: Maria Fernanda Vizcaíno, a compliance officer, has been set up to take full responsibility for regulatory compliance in areas such as SME, crypto, and cross-border exchange.
International capital docking: Cooperate with the central banks of Latin America and the European and American remittance mechanisms to ensure that multinational investors enter the SME financing system in line with capital regulatory policies.
Anti-Money Laundering and Disclosure System: The platform introduces an automated KYC/AML review process and conducts regular financial and process audits to meet international compliance standards.
V. Market Demand and Positioning Advantages
SME financing gap in Latin America: Local SMEs are generally facing a lack of capital, with a high proportion of GDP but high financing costs, and Efinti fills the need for quick solutions.
Multinational investor channels: Efinti provides a "Latin American SME investment portal" for global crypto assets or digital currency funds, forming a two-way bridge and improving the efficiency of capital allocation.
Technology-accelerated approval: Automated risk control and smart contract mechanisms make financing approval, redemption and risk monitoring more efficient and transparent, and can reduce manual processing errors.
The platform has abundant tools: it not only retains the account financing of accounting logic, but also introduces the cryptographic financial system to maintain a stable and flexible financing path.
6. Financing history and capital structure
Efinti has completed three rounds of financing so far, totaling about $1.15 million:
Completed $1 million in seed financing in September 2021;
InNovember 2021, it received further financing, accumulating $1.5 million;
Debt financing was carried out in December 2021.
Investors include Tobon Investment Group, Primary Ventures, etc., and the financing at this stage is mainly used for platform research and development, Latin American market expansion, and the improvement of blockchain access and compliance system.
7. Organizational structure and team capabilities
CEO Andrés Tobón: Focus on financial digitalization and SME ecosystem construction, with many years of experience in banks and payment institutions;
Alejandra Gaviria, COO: Responsible for operational efficiency, business processes and team management;
María Fernanda Vizcaíno, Head of Compliance: Proficient in Latin American financial regulations and cryptoasset regulation;
The core team includes senior credit analysts, engineers and blockchain technology consultants, with comprehensive capabilities from product design to compliance docking.
8. Advantages and development opportunities
Clear market incision: lock in the market at both ends of the supply and demand of SME financing and overseas investment to achieve two-way value matching;
Model innovation and integration: Introduce the combination of crypto stablecoin and traditional account financing to enhance financing flexibility and risk hedging ability;
Technology-driven efficiency: smart contracts and encrypted access reduce manual intervention and costs, and improve the efficiency of review and lending;
Strong scalability: The service has been expanded from SME financing to commercial lending and asset management, leaving room for future business improvement.
9. Challenges and potential risks
High credit risk: SMEs need to establish a good risk control model if they have a high probability of default, otherwise the repayment rate will affect the operation of the platform;
Unstable regulatory thresholds: cross-border flows of crypto assets may face policy mutations and compliance frictions;
Investor education needs to be improved: At present, there is no large-scale asset issuance, and market awareness and investor confidence still need to be enhanced;
Pressure to scale up: Skills, compliance, and risk control capabilities need to simultaneously support future financing demand and geographic expansion.
10. Development Strategy and Future Direction
A. Strengthen business modules
Accelerate the implementation of commercial loan products and asset factoring packages, Build a complex financing product portfolio to meet different financing needs.
B. Expand international cooperation
Establish cooperation funds with investment institutions in Europe, the United States and Asia to share risk control responsibilities and expand the proportion of crypto asset participation.
C. Accelerate the regulatory approval process
Promote the licensing of credit institutions in Colombia, Mexico, Chile and other countries, and gradually open up legal financing channels.
D. Deepening the risk pricing model
Introduce an AI risk scoring system to form refined pricing capabilities based on cash flow, industry risk, joint and several guarantees, and crypto asset pledges.
E. Building an Ecological Platform
Open API marketplace, compatible with other Fintech and banking systems, to achieve bilateral ecological linkage between SMEs and investors.
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. Summary Efinti is one of the few FinTech companies in Latin America that combines SME financing with digital asset liquidity, building a dual-dedicated path around account financing and crypto channels. With team localization, model innovation and technical capabilities, it has a competitive advantage of "financing efficiency + financing sustainability" in the short and medium term. The key to future success or failure depends on the maturity of the risk control system, cross-border regulatory compliance, investor recognition and the ability to expand business scale. If we can continue to promote compliance approval, improve intelligent risk control and diversify financing channels, it is expected to become an important part of the SME financing innovation ecosystem in Latin America.
