Executing Credit Card Payments over Instant Payment Rails
Wupo is the software layer between a bank's credit core and Bre-B. When a bank authorizes credit, Wupo fires the instant payment — no card network, no 2–5% fee, no T+2 wait.
The institution owns the credit. The rail moves the money. Wupo owns the execution.
Every card purchase travels through
five intermediaries. Each takes a cut.
Credit card payments in Colombia run through the rails of Redeban and Credibanco, — with Mastercard and Visa collecting fees. This infrastructure has always been the main barrier to entry for any new player.
Credit is provided by the issuing bank. Visa and Mastercard only enable execution of that credit. These responsibilities are architecturally independent — and Bre-B lets us separate them.
~2.4–5.5% per transaction leaves the bank. Settlement takes 1–2 days. This is the cost of building credit on legacy rails.
Bre-B Isn't the Opportunity.
It's the Catalyst.
Redeban and Credibanco spent decades wiring Colombia's merchants for Visa, Mastercard and the banks. Bre-B works with both (interoperable), connecting to one Bre-B node gives you access to the same merchant network they spent 30 years building — without building on their rails.
Bre-B is the Catalyst. Wupo is the execution layer.
A three-way partnership
creating a strong barrier to entry.
Signed. Live. One integration away from migrating OpenCard's existing credit-card clients.
OpenCard is the credit core for financial institutions across LATAM — 20M users, 25+ years.
Those institutions are our pipeline.
When a bank migrates to Wupo, we are connecting to the same credit core they already run.
No cold sales. No proof of concept. No terminal replacement.
There are only 6 Bre-B node licenses in Colombia. Servibanca holds one.
To replicate Wupo, a competitor would need to:
(1) obtain a separate Bre-B node license,
(2) secure a participant bank as PSP sponsor.
(3) Partner with a well known credit core.
This combination cannot be quickly copied.
Everything is already built. The connection to Servibanca's node, the credit core integration with OpenCard, and the bank sponsorship with GNB are live. We are raising $2M to migrate OpenCard's existing clients and adapt Servibanca's node.
The distribution barrier that stopped every previous entrant — solved by a signed, live, three-way partnership.
Replacing card rails with Bre-B delivers
three compounding advantages.
The bank keeps the savings. The merchant gets instant settlement. The customer notices nothing.
Cash is in the merchant's account the moment the transaction completes. No waiting, no float.
As part of the solution, Wupo includes an AI agent that enables financial institutions to offer credit card payments through natural language — voice, chat, or command.
The opportunity isn't reducing fees. It's owning the execution layer — and everything that runs on top of it.
Everything is built.
We are raising to migrate.
We don't need to find customers — OpenCard's existing clients are the pipeline. The $2M migrates them onto Bre-B settlement rails and finalizes adaptations to Servibanca's node.
- ▶ Migrate first OpenCard institutions to Bre-B settlement
- ▶ Finalize adaptations to Servibanca's node
- ▶ Founder-led sales · Activate pipeline
- ▶ 5–10+ institutions · Repeatable process
- ▶ Colombia reference case established
- ▶ Growing transaction volume
- ▶ Colombia → LATAM expansion
- ▶ Pix (Brazil) · Additional rails
- ▶ High transaction volume
New market = new connector, not a new product.
Revenue scales with every credit
transaction settled.
Software economics on top of institutional transaction volume. No credit risk — the institution funds the credit, Wupo does not.
Per transaction settled via Bre-B through Wupo. Scales directly with client volume.
Monthly SaaS fee per institution. Provides base revenue before transaction volume builds.
Implementation fee for institutional onboarding and custom integrations.
Institutions offer credit card payments via voice, chat, or command — powered by Wupo's AI agent built on the same execution layer.
No credit risk — the institution funds the credit. Wupo does not.
One integration → recurring volume for the life of the client.
High operating leverage — marginal cost per additional transaction is near zero.
New market = new connector, not a new product. Colombia → LATAM reuses the same stack.
The institution owns the credit. The rail moves the money. Wupo owns the execution layer.
Built by people who have worked
inside this infrastructure.
Two founders who built Bre-B production integrations. One board member who built the credit core.
- Carried this deal to board level at all three companies.
- Eleven years inside a global bank: AI analytics, audit, privacy, anti-money-laundering.
- Built AI agents already implemented in wallets.
- Second time startup founder
Financial infrastructure strategy. Commercial expansion and institutional partnerships across LATAM. Investor relations.
25+ years building SaaS for financial institutions. 20M+ users on the credit core. Strategic investor and bridge to the OpenCard partnership.
Wupo is infrastructure — not a fintech application.
$2M to migrate OpenCard's existing institutions
and establish Wupo as Colombia's credit settlement layer.
Capital to build fast, sell immediately, and establish Wupo as the execution layer between credit and instant payments.
- ✓ First 3–5 OpenCard institutions migrated to Bre-B settlement
- ✓ Colombia reference case · Month 12 target
- ✓ Foundation for LATAM expansion (Phase 2)
First mover advantage: Servibanca holds 1 of only 5 Bre-B licenses in Colombia. Other nodes are not yet active as execution layers. The window to become the default settlement infrastructure is now.
We are not raising capital to find product-market fit — we are raising capital to move fast enough to capture the market.
Execute credit cards over instant payments.