Belvo GTM brain

category

market profile

• text: Belvo has expanded from financial-data connectivity into credit insights, payments and AI-supported workflows.
• text: Open finance coverage and regulation differ by country, so providers compete on local connectivity, data and payments use cases.
• text: The company reported more than 150 customers in 2025, including banks, fintechs and marketplaces.

personas

• title: Head of credit risk at a lender
  pains:

  • Traditional credit files may miss a borrower's current income and transaction history.
  • Risk teams need usable indicators rather than raw, inconsistent financial data.
• title: Fintech CTO or engineering lead
  pains:

  • Maintaining separate financial institution integrations consumes engineering time.
  • Country-specific coverage, consent and reliability complicate a launch.
• title: Payments or growth product manager
  pains:

  • Card-related churn and failed recurring payments reduce collections.
  • Onboarding or checkout friction prevents users from completing a flow.

icp

• text: Banks, lenders and fintechs operating in Brazil or Mexico that need consented income, banking or employment data for underwriting and onboarding.
• text: Digital wallets, marketplaces and subscription businesses seeking account-to-account payment or collections workflows; validate each country's product availability.
• text: Established financial institutions and growing fintech teams are evidenced customers; no minimum employee count is published.

message pillars

• text: Turn financial data into usable insights for tailored products.
• text: Reduce friction with direct bank payment flows.
• text: Use income and financial history to improve credit decisions.
• text: Move from raw connectivity toward operational decisions.

objections

• objection: Does it cover our institutions and use case in each country?
  response: Test coverage, consent flows, freshness and specific data fields against your target institutions in a pilot.
• objection: Can we use financial data securely and compliantly?
  response: Review consent management, retention, security documentation and local regulatory responsibilities with Belvo.
• objection: Will integration and minimum costs outweigh the benefit?
  response: Ask for a product-specific quote and pilot the conversion, loss or collection impact against engineering and data costs.

competitors

• name: Pluggy
  why: Brazilian open finance data and payments platform.
• name: Finerio Connect
  why: Regional financial data aggregation and categorization API.
• name: Fintoc
  why: Account-to-account payments and open finance provider in Chile and Mexico.
• name: Floid
  why: Regional open finance and payment provider with coverage in Chile and Peru.

influencers

• name: Pablo Viguera
  url: https://belvo.com/blog/stepping-into-ai-powered-era-open-finance/
  why: Co-founder and co-author of the company's strategy update.
• name: Oriol Tintoré
  url: https://www.ycombinator.com/founders/oriol-tintore
  why: Co-founder and public representative of Belvo.

keywords

• open finance API Latin America
• open banking API Brazil
• Mexico financial data API
• income verification API Mexico
• Pix payment initiation API
• credit risk bank transaction data
• account to account payments LATAM

voice

• confident and outcomes-led
• developer-friendly
• financial innovation focused

signals

• text: A lender is revising its underwriting model or adding income verification for underserved applicants.
• text: A payments team is launching Pix or recurring direct debit to reduce checkout friction or improve collections.
• text: A fintech is expanding into Brazil or Mexico and needs local financial connectivity.

stack

• Pix
• API
• MCP

pricing

motion

channels

• developer documentation
• content marketing
• LinkedIn
• sales
• events

confidence

Founders

• name: Oriol Tintore
  title: Founder
  role: Founder
• name: Pablo Viguera
  title: Founder
  role: Founder