Milio GTM brain

Milio provides real-time payment infrastructure and APIs for banks, fintechs and businesses moving money in and beyond Colombia.

category

Real-time payments infrastructure

market profile

  • text: Colombian payment flows span domestic collections, disbursements, wallet funding and cross-border transfers.
  • text: Bank and fintech buyers need infrastructure that integrates with regulated systems and supports continuous funds movement.

personas

  • title: Head of payments at a bank
    pains:
    • Legacy settlement and integration cycles delay new payment experiences
    • Needs transaction visibility, controls and regulatory alignment
  • title: Fintech or wallet product leader
    pains:
    • Needs fast cash-in, cash-out and remittance features without building every connection
    • Slow availability of funds damages customer experience
  • title: Engineering lead at a lender
    pains:
    • Building disbursement and recurring collection integrations consumes engineering time
    • Must reconcile payment status across providers

icp

  • text: Banks and fintechs serving Colombia, including wallet and remittance providers requiring API-based money movement.
  • text: Lenders and digital businesses with recurring collections or high-volume disbursements and an engineering integration team.

message pillars

  • text: Move funds in seconds.
  • text: Connect multiple markets through one integration.
  • text: Launch faster with production-ready developer tooling.

objections

  • objection: Can the platform meet bank security and compliance requirements?
    response: Review controls, contractual responsibilities and independent evidence with the bank's risk team.
  • objection: How much integration work is needed?
    response: Compare its direct bank integration and plug-and-play API options in a technical discovery call.
  • objection: Are coverage and costs suitable for our corridors?
    response: Validate supported institutions, rails, countries and commercial terms for the specific flow.

competitors

  • name: Transfiya
    why: Colombian immediate transfer alternative named on Milio's site.
  • name: PSE
    why: Established Colombian payment rail named as an alternative by Milio.
  • name: Palomma
    website: https://palomma.com
    why: Colombian checkout and payments provider with overlapping merchant use cases.

keywords

  • pagos inmediatos Colombia API
  • transferencias en tiempo real Colombia
  • API dispersión de pagos
  • recaudo débito automático
  • wallet cash in cash out
  • cross border payments Colombia
  • alternativa PSE

voice

  • technical and direct
  • speed focused
  • enterprise trust oriented

signals

  • text: A fintech is launching wallet funding, cross-border remittances or instant payouts in Colombia.
  • text: A lender is automating recurring collections and disbursements.

stack

  • API
  • SDK

pricing

model: unknown

motion

sales_led

channels

  • LinkedIn
  • industry press
  • demo requests

confidence

medium

Founders

  • name: Toni Riera
    title: Founder
    role: Founder
    bio: Operator and investor with 10+ years scaling fintechs and marketplaces across LatAm, Europe, and the US. Co-founder of Milio (YC W23, B2B payments and treasury SaaS). Previously at SumUp (Director Expansion LatAm), Uber (GM Delivery, Andean Region), and BCG (Consultant, Financial Services & GTM).
  • name: Daniel Gomez
    title: Founder
    role: Founder
    bio: Product Manager and Strategist, UX freak, and Project Manager. Passionate about building digital projects from the ground up across different industries, including Fintech, Mobility and Healthcare. I'm currently building a comprehensive lending and payments infrastructure solution for the B2B commerce in Latin America. When I'm not designing prototypes and workflows, I love skateboarding and spending time at the beach with my daughter.
  • name: Juan Luis Perez E
    title: Founder
    role: Founder
    bio: Co-founder and CEO at Milio

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