What delt.ai does

delt.ai, operating through Happy Days Tech, S.A.P.I. de C.V., is a Mexico City-based fintech founded in 2019 that delivers an integrated digital finance platform targeted at Mexican small and medium enterprises (PyMEs) and startups that traditional banks underserve. The platform is built around three interconnected products: a revolving corporate credit line with a 45-day payment cycle and individual limits up to approximately $500,000 MXN, 24/7 SPEI bank transfers (including a multiTransfer feature supporting bulk CSV uploads of up to 500 recipients and a Transfers API for programmatic payouts), and Mastercard-issued physical and virtual corporate credit cards with per-user spend controls. Underlying infrastructure relies on Mexico's SPEI rail via STP (an IFPE-licensed payment funds institution) for transfers, direct SAT tax-authority integration for invoice settlement, and Mastercard for card issuance.

The company monetizes primarily through interest charged on drawn revolving credit balances, supplemented by monthly card fees, late-payment fees (1% of approved credit line), and card replacement/additional-card fees per the credit contract. Transfers themselves carry no per-transaction fee; the cost of funds is embedded in the revolving credit interest rate, creating a bundle-economics structure that encourages volume on top of credit drawdown. GTM is hybrid: a 100% self-serve product-led motion through dashboard.delt.ai for SMB onboarding, complemented by a sales-assisted channel via sales.delt.ai for larger enterprises. The platform has cumulatively processed $2.5B+ MXN in payments from hundreds of enterprise customers and 60,000+ transactions since founding. delt.ai is a Y Combinator W20 alumnus, backed by Foundation Capital (lead of a 2020 $2.5M round), Plug and Play Ventures, Soma Capital, and Venture Souq, and serves a horizontal mix of startups, gig-economy platforms, fintechs, logistics, proptech, and home-services SMBs across Mexico.

Name

delt.ai

Legal name

Happy Days Tech, S.A.P.I. de C.V.

Website

https://delt.ai

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

delt.ai is a Mexico City-based fintech providing Mexican SMEs and startups with a revolving corporate credit line, 24/7 SPEI bank transfers (including bulk and API), and Mastercard corporate cards on a single digital platform.

Ownership category

akta.pro rank

Product category

SME Digital Lending

NAICS

Credit Intermediation and Related Activities (522), Credit Card Issuing (522210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)

Keywords

• SME business lending
• Revolving credit line
• SPEI bank transfers
• Corporate credit cards
• Bulk payment automation

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Revolving Credit Interest: Revolving credit line with interest charged on drawn amounts. Payment cycle of 45 days. Interest rate variable and communicated via email before each cycle. No personal guarantees required.
2. Transfer Financing: Transfers are funded via the credit line at no extra cost. The cost of funds is embedded in the credit interest rate charged on the revolving line.
3. Corporate Card Fees: Monthly fees, late payment fees, card replacement fees, and additional card fees as outlined in the revolving credit contract. Cards are issued by Mastercard.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

delt.ai provides Mexican SMEs and startups with a revolving business credit line of up to $500,000 MXN on a 45-day payment cycle, used to fund payroll, supplier payments, and tax obligations. Around that credit line it bundles 24/7 SPEI bank transfers (including bulk CSV multiTransfer for up to 500 payments), Mastercard corporate cards with per-user limits, and a Transfers API for automated mass payouts.

Product overview

delt.ai is a unified digital financial platform for Mexican SMEs and businesses, built around three interconnected core products: a Revolving Credit Line (Línea de Crédito Revolvente) providing short-term working capital financing with a 45-day payment cycle; SPEI® Bank Transfers via the multiTransfer feature enabling 24/7 instant fund transfers with bulk CSV upload capability for up to 500 recipients per batch; and Mastercard Corporate Cards (physical and virtual) linked to the credit line for team spending with per-user limits. The Transfers API enables developers to programmatically automate payouts from their own digital products to any Mexican CLABE bank account. All products are integrated into a single platform and powered by the revolving credit line as the primary funding mechanism.

Differentiator

Problem solved

Functional benefit

Products and services

• Revolving Credit Line (Línea de Crédito Revolvente) Short-term revolving business credit line of up to $500,000 MXN with a 45-day payment cycle, available 24/7 to Mexican SMEs, startups, and growth companies to finance working capital such as payroll, suppliers, and tax obligations. Approval decisions are produced in 48 hours without a personal guarantee, and credit-line increases are processed within 24 hours of request.
• SPEI Bank Transfers with multiTransfer 24/7 instant SPEI bank-transfer service for any CLABE account in Mexico, bundled with multiTransfer — a bulk payment tool that processes up to 500 transfers per CSV upload in a single click. Includes native SAT tax-invoice payment and is available free of charge from any delt.ai account.
• Mastercard Corporate Cards (Tarjetas Corporativas) Physical and virtual Mastercard corporate cards linked directly to the delt.ai revolving credit line, enabling team and supplier spending with per-user programmable spending limits. Cards are issued in approximately two weeks, replacing the multi-year corporate card timelines typical of traditional Mexican banks.
• Transfers API

Quantifiable outcome

• $2.5B+ MXN in enterprise payments processed
• +6 more outcomes

Named customers14 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Two partnerships are on record, tiered flagship.

• Sistema de Transferencias y Pagos STP, S.A. de C.V. (SPEI)flagshipTechnology or IntegrationSTP is the payment infrastructure provider powering delt.ai's SPEI bank transfers. All electronic fund transfers are executed through STP's Sistema de Transferencias y Pagos, an IFPE (Institución de Fondos de Pago Electrónico).
• MastercardflagshipTechnology or IntegrationMastercard is the card network issuer for delt.ai's physical and virtual corporate credit cards. Cards are issued under Mastercard's brand with national and international acceptance.

Scale indicators9 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Mercado Pago: Mercado Pago is the dominant LATAM payments platform from Mercado Libre, offering merchant acquiring, credit, and wallets for businesses across Mexico. It overlaps with delt.ai's SME payments and credit offerings as part of a much broader e-commerce-led business.
• Nu México: Nu México is the Mexican arm of Nubank, offering consumer credit cards, accounts, and increasingly SME products. As a well-capitalized digital incumbent with credit products, it competes in adjacent Mexican retail/SME credit and payments.
• Bitso: Bitso is Mexico's leading crypto exchange and broader fintech platform, offering payments, transfers, and credit on top of a large Mexican user base. It is a broad Mexican fintech incumbent rather than a direct competitor in SME revolving credit.

Direct peers

• Klar: Klar is a Mexican digital bank offering deposit accounts, credit, and payments to consumers and small businesses. Its Mexican market focus and combined credit + payments offering make it a close comparable.
• Clara: Clara is a Mexican/LATAM corporate cards and expense management platform for businesses, also offering credit and payments. It overlaps almost entirely with delt.ai's combination of corporate cards and SME payments infrastructure.
• Belvo: Belvo is a Mexican Open Banking API that enables account-to-account payment initiation and financial data connectivity across LATAM. It is a direct functional parallel to delt.ai's Transfers API for A2A payments, though Belvo is infrastructure-only rather than a credit-led lender.
• Stori: Stori is a Mexican credit-card fintech serving thin- and no-credit-file Mexican consumers and small businesses. While slightly more consumer-tilted, its Mexican focus on accessible credit products parallels delt.ai's underwriting-led value proposition.
• Albo: Albo is a Mexican digital banking platform providing accounts, cards, and credit to consumers and SMEs. Its account-and-card-led fintech stack in Mexico competes with delt.ai's unified financial product layer.
• Konfío: Konfío is the leading Mexican digital lender to PyMEs, offering revolving working capital credit lines and corporate cards online. It is the closest direct competitor to delt.ai's core revolving-credit-for-Mexican-SMEs model.

Regional players

• Ualá: Ualá is a LATAM fintech account/card platform founded in Argentina and expanded into Mexico, offering prepaid cards and consumer credit. It shares delt.ai's fintech-style proposition in Mexico but originates in a different geography and is primarily consumer-facing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/deltai_
• Facebookfacebook.com/deltaCFO
• LinkedInlinkedin.com/company/delt-ai
• Instagraminstagram.com/delt.ai

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds6 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about delt.ai