Krealo

What Krealo does

Krealo is the Corporate Venture Capital (CVC) arm of Credicorp, Latin America's leading financial services group, established in 2018 and headquartered in Miraflores, Lima, Peru. The firm invests in and provides hands-on support to early-stage startups transforming financial services across Latin America, with stated ticket sizes of US$1M–10M and a geographic focus spanning Peru, Colombia, Chile, Mexico, and increasingly Ecuador and Argentina. Its investment thesis targets fintech, insurtech, healthtech, B2B, and digital infrastructure verticals, and the active portfolio comprises 16 companies across three successive funds (Fondo I, Fondo II, and Fondo III).

Krealo's core offering is a corporate venture investment platform that combines equity capital with operational support—finance, risk/compliance, talent, legal, cybersecurity, and technology—and privileged access to Credicorp's business units and distribution channels. Portfolio companies include Jelou (AI conversational commerce over WhatsApp), Akua (cloud-native payments), Welli (health fintech), Monokera (embedded insurance via APIs), Tenpo (Chilean neobank, now CMF-authorized bank), Plurall, Shinkansen, Aviva, Remitee, Datamart, Finerio Connect, and Tyba. In 2023, Krealo launched an acceleration program in partnership with BCP's Centro de InnovaCXión and Seedstars Latam, deploying US$225K in pre-seed capital across 10 startups from 13 countries.

Krealo's revenue model is corporate venture investing rather than product or service sales; returns derive from equity appreciation, exit proceeds, and strategic value delivered to Credicorp. Deal sourcing is conducted through direct outreach, an Airtable-based founder pitch submission form, and accelerator partnerships. The firm is recognized through the 2024 Corporate Startup Stars Award from the ICC and Mind the Bridge, validating its open innovation practices among global corporate–startup collaboration leaders.

Name

Krealo

Legal name

Krealo

Website

https://krealo.pe

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Krealo is Credicorp's Corporate Venture Capital arm, investing US$1M–10M in early-stage fintech, insurtech, healthtech, B2B, and digital infrastructure startups across Latin America (Peru, Colombia, Chile, Mexico, Ecuador, Argentina), while providing hands-on operational support and access to Credicorp's distribution network across three successive funds.

Ownership category

akta.pro rank

Product category

Corporate Venture Capital

NAICS

Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Finance Services (6199)

akta.pro primary industry

Independent Venture Debt Funds / Platforms (FSANAIAB)

Keywords

• Corporate venture capital
• Early-stage fintech investing
• Venture capital services
• Startup investment
• Strategic venture funding

Headquarters

HQ city

Miraflores

HQ country

Peru

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Investment Returns: Krealo generates returns through equity investments in early-stage fintech startups. As a CVC of Credicorp, they invest corporate capital to foster innovation and generate strategic/financial returns. Portfolio companies receive investment capital in exchange for equity stakes.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Krealo is the Corporate Venture Capital arm of Credicorp, investing USD 1M–10M equity tickets in seed and Series A fintech, insurtech, healthtech, B2B, and digital infrastructure startups across Peru, Colombia, Chile, and Mexico. Beyond capital, Krealo delivers hands-on strategic and operational support across finance, risk, compliance, talent, legal, cybersecurity, and technology, while providing portfolio companies with access to Credicorp's distribution channels and pilot programs.

Product overview

Krealo is Credicorp's Corporate Venture Capital arm offering a unified CVC investment platform combined with an acceleration program. The core CVC platform provides investment thesis execution through seed and Series A investments (USD 1M–10M ticket sizes) across fintech, insurtech, healthtech, B2B, and digital infrastructure verticals in Peru, Colombia, Chile, and Mexico. The Aceleradora 2023 acceleration program runs as a distinct sub-brand, providing pre-seed funding, mentorship, and strategic support to early-stage startups. Together, these offerings enable founders to access both capital and Credicorp's ecosystem network for pilots, distribution, and growth.

Differentiator

Problem solved

Functional benefit

Products and services

• Krealo CVC Investment Platform Equity investment and hands-on support platform from Credicorp's CVC arm, investing USD 1M–10M tickets at seed and Series A stages across Peru, Colombia, Chile, and Mexico, with operational support in finance, risk, compliance, talent, legal, cybersecurity, and tech.
• Aceleradora 2023 Pre-seed acceleration program focused on financial services startups, selecting 10 startups from 13 countries and investing US$225,000 per cohort in partnership with BCP's Centro de Innovación and Seedstars Latam.

Quantifiable outcome

• Tyba by Credicorp Capital manages over US$ 1 billion in AUM
• +4 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and flagship.

• InnovaCXión BCPcoreStrategic or Co-development PartnerPartnership with BCP's innovation center (InnovaCXión) to run the 2023 accelerator program 'El Futuro de los Servicios Financieros'. The program selected 10 startups from 13 countries and invested US$ 225,000 in pre-seed stage.
• Seedstars LatamcoreStrategic or Co-development PartnerCo-partner with Seedstars Latam in the 2023 accelerator program. Seedstars provided mentorship network and regional expertise across Latin American startup ecosystems.
• Pacífico SegurosflagshipTechnology or IntegrationTechnological alliance between Pacífico Seguros and Monokera (portfolio company) enables insurance products to be offered directly through Yape, demonstrating successful integration between corporate unit and portfolio startup.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Atlantico: Latam growth-equity firm investing in technology and fintech across the region. Comparable to Krealo in Latam fintech exposure and growth orientation, and is a documented co-investor alongside Krealo (e.g., Akua's seed round).
• Ribbit Capital: Global fintech-only venture firm with investments across Latam. Comparable to Krealo in its pure-play fintech thesis and emerging-markets tilt, though typically writes larger checks than Krealo's $1M–$10M range.
• QED Investors: Global fintech-specialist venture firm with deep Latam presence (offices in São Paulo and Mexico City). Comparable to Krealo in fintech-only mandate and seed-to-growth stage orientation across emerging markets.
• Mouro Capital: Corporate venture capital arm of Banco Santander focused on fintech and financial services. Most directly comparable peer to Krealo given its parallel CVC structure, banking parent, fintech focus, and global (with Latam presence) mandate.
• Magma Partners: Andean-focused (Chile-headquartered) early-stage venture firm with fintech among its core verticals. Closely comparable to Krealo in Andean geographic focus and seed/Series A check sizes, though operates as an independent VC rather than a CVC.
• Kaszek Ventures: Latin America's largest venture capital firm focused on technology and fintech across the region. Directly comparable to Krealo in geographic focus (Andean and broader Latam), sector emphasis (fintech), and stage (seed through Series A), though operates as an independent VC rather than a CVC.
• Quona Capital: Emerging-markets fintech-focused venture firm with active Latam investing. Comparable to Krealo in its fintech vertical specialization, emerging-markets focus, and growth-stage orientation, and frequently co-invests in similar deals.
• Monashees: One of the largest Latam-focused venture firms, with a multi-stage platform spanning Brazil, Mexico, Colombia, and beyond. Comparable to Krealo in regional scope and stage coverage, though slightly more Brazil-anchored and tech-broader than fintech-only.
• MAYA Capital: Latam-focused early-stage venture firm investing in fintech and adjacent verticals across the region. Comparable to Krealo in stage, regional scope, and emerging-manager profile.
• Cometa: Mexico-based early-stage venture firm with fintech exposure across Latam. Comparable to Krealo in stage, sector tilt, and emerging-markets specialization, though geographically anchored to Mexico.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/krealo

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

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

M&A

Investments21 records

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

Frequently asked questions about Krealo