Credirecto is the peer-to-peer lending platform of the ecosystem. Flat 6.99% commission, transparent scoring, and a gamified tier mechanic with a mountain-climbing metaphor: each on-time repayment raises your limit and lowers your cost. Micro credits $50 - $5,000. Revolving micro-loans on 45-day cycles with a flat rate fee.
Venezuela has the most underdeveloped consumer credit system on the continent. Banks operate with a 73% legal reserve requirement — a structural restriction to place credit. People who need $50 to fill the tank have nowhere to turn.
We start with small tickets and own capital to validate scoring. We grow to larger tickets and pure P2P as behavioral data feeds the model.
Revolving micro-loans operating on 45-day cycles with a flat rate fee. Own capital. We validate scoring and behavior.
Negotiated commission · Extended terms · Own capital + external balance sheet. Large tickets with mature scoring.
Individual lenders contribute capital. Credirecto operates as rail, scoring and collection. Flat fee on the match.
The Ávila metaphor: you start in the valley, climb with each repayment. Higher limit, better rate, more trust. Credit as reward, not trap.
$5 – $20
$20 – $100
$100 – $500
$500 – $2.000
$2.000 – $5.000
Credit in emerging markets is 80% scoring, 15% collection and 5% capital. We have all three already built.
2025-2026 mark the first expansive credit-book cycle in years in Venezuela. Banks can't absorb the demand. Fintechs can — and we take the trust brand now, or someone else does.
Credit grew +46% between March 2025 and March 2026. It's the first serious expansive cycle in years. Demand is there, supply is not.
Credit/GDP ratio is ~10–15x lower than LatAm average. Multi-billion-dollar structural gap.
BNPL grew +250% in 2025. Validation that Venezuelan consumers do take consumer credit when it's accessible and simple.
Banks can't place capital. The space for credit fintechs is structural, not cyclical.
500K users, $1.7M monthly GMV are the natural origination base for credit and the natural collection rail.
$44.6B in crypto/stablecoins in VE. Enables P2P capital in USDT with FX risk neutralized for both sides of the loan.
Credirecto reactivates supervised consumer credit on top of the rail. Under the Embassy pilot, every credit flow is screened and reportable — closing the gap that Venezuelan banks left open.
Reserva directo en el calendario. Confirmación inmediata.
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