What Destácame does

Destácame is a Santiago-headquartered fintech founded in 2014 that operates an alternative credit scoring and consumer financial wellness platform primarily in Chile, with expansion into Mexico. The company targets Chileans who are either delinquent on debt or excluded from the traditional credit system — what the company describes as the "financial invisibles," estimated at 70% of the Chilean population. Its core products are free debt reports (Reporte Comercial and the CMF Informe de Deudas), a debt-discount marketplace connecting users to 26+ financial institutions for settlements of up to 95%, and a tiered subscription offering: Plan Básico (free), Plan PRO at CLP $2,600/month, and Plan PRO+ at CLP $8,990/month, with PRO+ unlocking the SuperAvanza microcredit program for credit rebuilding. The enterprise product, Destácame PRO for Teams, delivers financial wellness benefits to corporate clients and currently serves 30+ companies and 10,000+ employees.

The technology stack integrates directly with Chile's financial regulator (CMF) for official debt data and with the Cámara de Comercio de Santiago (CCS) for commercial reporting and positive payment history, enabling alternative credit assessment that the company positions as Latin America's first behavior-based credit score. Supporting products include a prepaid card (PRO and PRO+ tiers), the annual WhiteDays debt-resolution campaign, the Invisibles.cl financial inclusion initiative, and the Chile Al Día national movement for default reduction. No public API, developer portal, or proprietary AI/ML stack is documented.

The business model combines a freemium consumer subscription funnel with a B2B enterprise channel. Revenue comes from monthly subscription fees on PRO and PRO+ plans, transaction or success fees on debt settlements intermediated through the platform, and corporate contracts via Destácame PRO for Teams. The company has raised roughly US$15.7M+ across multiple rounds including a US$10M Series B led by Banco Santander in November 2022, which took a minority stake and is earmarked for Mexico expansion and new product development. The company reports serving more than 2 million Chilean users, 160,000+ people freed from debt, and CLP 15 billion+ in delinquent debts resolved through the platform.

Name

Destácame

Legal name

Destácame

Website

https://destacame.cl

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

Destácame is a Chilean fintech operating an alternative credit scoring and consumer debt-resolution platform that serves over 2 million users in Chile and Mexico through a freemium subscription model and enterprise financial-wellness channel.

Ownership category

akta.pro rank

Product category

Consumer Financial Wellness

NAICS

Collection Agencies (561440), Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

Keywords

• Alternative credit scoring
• Debt management services
• Financial wellness platform
• Consumer credit access
• Credit rebuilding program

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Revenue model

1. Subscription Plans: Monthly subscription model with three tiers: Free Basic plan, PRO plan at $2,600/month, and PRO+ plan at $8,990/month. Premium tiers offer enhanced features including credit access, prepaid cards, and personalized support
2. Freemium Model: Basic plan offered free of charge to attract users. Platform monetizes through premium upsells and value-added services for paying subscribers
3. Enterprise/B2B Subscriptions: Destácame Para Equipos (Destácame for Teams) product targeting corporate clients for employee financial wellness benefits

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels4 records

Core offering

Destácame operates a consumer financial wellness web platform that helps users in Chile (and Mexico) understand, manage, and resolve delinquent debt while rebuilding credit history. The platform provides free access to commercial and CMF debt reports, negotiates debt discounts with partner financial institutions, and offers a tiered subscription (Básico, PRO, PRO+) that adds guided debt resolution, prepaid cards, WhatsApp specialist support, and the SuperAvanza microcredit program for credit history rebuilding.

Product overview

Destácame operates as a consumer financial wellness platform in Chile offering a tiered subscription model centered around debt management and credit access. The core offering consists of Plan Básico (free access to debt reports and discount offers), Plan PRO ($2,600/month with comprehensive debt guidance and prepaid card), and Plan PRO+ ($8,990/month with SuperAvanza credit access up to $600,000). Supporting products include the prepaid Destácame card, commercial and CMF debt reports, and the SuperAvanza micro-credit program for credit history rebuilding. The enterprise tier (Destácame PRO for teams) extends financial wellness tools to corporate clients. The company also runs the Invisibles.cl initiative and annual WhiteDays campaign for debt resolution.

Differentiator

Problem solved

Functional benefit

Brands

• Invisibles.cl: An initiative created by Destácame to accompany people who feel outside the financial map. Offers a 'treatment' called SuperAvanza to help users rebuild their credit history and re-enter the financial system.
• Chile Al día
• SuperAvanza
• Destácame PRO for teams

Products and services

• Destácame Subscription Platform Self-serve web platform for Chilean and Mexican consumers offering tiered subscription plans (Básico, PRO, PRO+) that combine debt visibility, debt discount offers, financial guidance, prepaid card access, and SuperAvanza microcredits to help users resolve delinquent debts and rebuild credit history.
• SuperAvanza Microcredit Program A micro-credit program included with PRO+ subscriptions that offers escalating credit amounts (up to $400,000–$600,000) to help underbanked consumers demonstrate positive payment behavior and rebuild credit history, with payment behavior shared back to financial institutions.
• Destácame PRO for Teams Enterprise employee financial wellness offering delivered to corporate clients, providing financial education and well-being services to employees; more than 30 companies and 10,000+ employees have participated.
• Tarjeta prepago Destácame

Quantifiable outcome

• Up to 95% discount on delinquent debts
• +3 more outcomes

Named customers2 records

Segments3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Financial Institutions (26+)coreStrategic or Co-development Partner26 financial institutions including banks, retailers, compensation funds, pharmacies, and other entities partner with Destácame to offer exclusive debt payment discounts and financial products to users. Partnerships include 5 new key partners for delinquency payment reached 60% market coverage.
• CMF (Comisión para el Mercado Financiero)coreTechnology or IntegrationIntegration with CMF (Chile's financial market regulator) to provide users access to official debt reports and information required for credit assessment.
• Cámara de Comercio de SantiagocoreTechnology or IntegrationPartnership with Cámara de Comercio de Santiago to report positive payment behavior, helping users build credit history in the Commercial Report.
• Chile Al DíaminorStrategic or Co-development PartnerDestácame joined as official sponsor of Chile Al Día movement, a national initiative for financial recovery and debt awareness in Chile.

Scale indicators10 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Kueski: Mexico-based consumer fintech offering online loans and credit to underbanked consumers. Direct comparable in alternative-credit scoring and small-ticket consumer lending for the financially underserved in Latin America.
• Creditas: Brazilian consumer credit platform using alternative data and collateral to serve underbanked borrowers. Comparable in mission (financial inclusion via alternative scoring), product mix (consumer loans + credit-building tools), and B2C freemium-plus subscription model.
• Provu: Brazilian online consumer lending fintech offering personal loans and credit solutions to underserved consumers. Comparable in targeting similar underbanked personas with digital credit products and credit-rebuilding tools.

Emerging players

• Konfío: Mexico-based digital lending platform serving SMBs and consumers with data-driven credit decisions. Comparable as a LatAm alternative-data lender building a credit infrastructure layer that overlaps with Destácame's data advantage thesis.
• Albo: Mexican consumer neobank offering credit, debit, and financial management tools via a mobile-first subscription app. Comparable in serving Mexican consumers with credit products and financial wellness tools, and a logical Mexico-market competitor for Destácame.
• R2 Capital: Mexico-based fintech lender focused on consumer and SMB credit using alternative data. Comparable in deploying non-traditional underwriting to extend credit to underbanked segments in Mexico, a key Destácame expansion market.

Broad incumbents

• Mercado Pago: LatAm fintech super-app from Mercado Libre providing payments, credit, and consumer lending to millions across the region. Overlaps with Destácame on consumer credit access and could disintermediate niche players with bundled offerings.
• Nubank: Largest LatAm neobank serving Brazil, Mexico, and Colombia with credit cards, personal loans, and financial management. Represents the scaled incumbent alternative to Destácame's financial-inclusion playbook across the region.
• Banco Azteca: Large Mexican bank specializing in financial inclusion for lower-income consumers with a nationwide branch network. Comparable as a scaled incumbent serving underbanked Mexican consumers, the segment Destácate is targeting in Mexico.

Regional players

• Z1: Chile-based teen banking and youth fintech offering financial management tools to young consumers. Comparable as a Chilean-market consumer fintech serving the same geography with adjacent financial-wellness propositions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCtLwAuRb112l2HbUiFuRwLA
• Facebookfacebook.com/destacame.cl
• LinkedInlinkedin.com/company/destacame
• Instagraminstagram.com/destacame
• Xx.com/destacameCL

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds8 records

Investors10 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 Destácame