Y
YoCripto
Digital platform in Latin America, launching the first credit card that offers Bitcoin Rewards with every purchase
About YoCripto
YoCripto, operating as Yo, was a financial technology company founded in 2021 by Julián Arber and Rafael Maya, with its headquarters in Mexico City, Mexico. The company's mission was to enhance financial inclusion in Latin America by bridging traditional finance with cryptocurrency.
The founders brought significant expertise to the venture. Julián Arber, the CEO, holds an MBA from Harvard Business School and has a background in finance and consulting with firms like Morgan Stanley, Merrill Lynch, and McKinsey & Company. Co-founder Rafael Maya possesses over 15 years of experience as an entrepreneur in the mobile and AI sectors.
YoCripto's core product was a Visa credit card that initially offered Bitcoin rewards, reportedly up to 3% on purchases. The business model centered on providing revolving credit lines collateralized by users' cryptocurrency holdings, specifically Bitcoin. This approach aimed to mitigate default risk, allowing the company to offer credit to individuals who might otherwise be excluded from traditional banking, such as the young and underbanked. By using digital assets as collateral, clients could access liquidity without having to sell their crypto investments. In May 2023, the company launched a new credit card tailored for young adults, featuring a one-payment guarantee model to help them build a credit history.
In May 2022, YoCripto secured a $4 million seed funding round led by DILA Capital, with participation from 14 other investors. The capital was intended for its product launch, expansion, and Bitcoin acquisition. The company also formed strategic alliances with Idemia for secure, recycled PVC card manufacturing and Segmail for logistics. However, according to PitchBook data, the company is now listed as out of business as of January 2025.
Source: Dealroom company dataAt a glance
- Status
- Operational
- Founded
- 2021
- Headquarters
- Mexico City, Mexico
- Employees
- 451
- Open positions
- None listed
- Dealroom signal
- 92.3/100
- Industry
- Fintech
- Sub-industry
- Payments, Crypto and DeFi
- Sector
- Fintech, Crypto and Web3, Hard Tech
- Technology
- Blockchain
- Business model
- SaaS
- Client focus
- b2b
Knowledge graph
More headlines
Funding history
Company financing events and reported valuations.
| Deal type | Date | Amount | Valuation | Investors | Source |
|---|---|---|---|---|---|
| SEED✓Equity / VC | May 2022 | $4M | $16M | DILA Capital | ↗ |
Financials
Revenue, earnings and other financial measures where available. Years marked “E” are estimates.
Growth signals
Latest recorded traffic for YoCripto is 120 monthly website visits, down 87.2% over the last three months. YoCripto's team grew 0% over the past year.
Similar companies
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Investments and acquisitions
Recent portfolio relationships for companies that also act as investors or acquirers.
Investors
From Dealroom's funding and investor records, grouped by the round each investor first entered.
Seed1 investor entered at this stage
DILA Capital
Other known investors1 additional known investor
- RVRhombuz Ventures
Source: Dealroom Talent Intelligence.
Global footprint
team presence
Market sentiment
An AI-synthesised read of the highest-engagement posts about YoCripto on X, ranked by likes and reposts, corporate channels excluded.
Reading the room on X — pulling top posts and synthesizing themes…
Source: X recent search ranked by engagement (likes + retweets) · Synthesis by Claude · Cached for 1 hour
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