Tyba

What Tyba does

Tyba is a digital investment platform that operates as the online investment channel of Credicorp Capital, part of NYSE-listed Credicorp group with 136+ years of regional financial experience and approximately USD 30 billion market capitalization. The platform is operated by Credicorp Negocios Digitales S.A.S., a Colombian-incorporated entity (NIT 901.265.149) with legal headquarters in Bogotá, Colombia, and primary market operations in Lima, Peru. Tyba serves individual retail investors across Peru, Colombia, and Chile, offering access to more than 30 professionally managed mutual funds across low, medium, and high risk profiles in soles and US dollars, all administered by Credicorp Capital S.A. SAF under supervision of the Superintendencia del Mercado de Valores (SMV) in Peru, with corresponding oversight by SFC in Colombia and CMF in Chile. Additional product surfaces include tyba Pocket (a flexible, penalty-free money market investment product), the tyba.tech platform for US equities and ETF investing on NYSE/Nasdaq, a suite of financial simulators and calculators (gratificación, CTS, taxes, UIT, liquidation, emergency fund), and the Educatyba financial education blog.

The platform is distributed entirely through digital channels: a mobile app on iOS and Android, a web portal, and a deep integration with Yape (Peru's dominant mobile payment app operated by BCP) where Tyba is embedded as the "Invierte con tyba" feature. Users authenticate with BCP bank credentials and can fund accounts directly from BCP, positioning Tyba as both a self-serve product and the digital investment arm of Peru's largest bank. Customer segmentation is horizontal retail, with low entry minimums (S/20 or USD 5 for individual funds, S/100 or USD 100 for Metas goal-based portfolios) targeting everyday consumers who would otherwise keep funds in savings accounts.

Revenue is generated primarily through management fees on mutual fund assets under administration; the platform does not charge a separate subscription or per-transaction fee for mutual fund investments. Reported scale metrics include over USD 1.5 billion in cumulative invested capital, more than 1.2 million app downloads across the three markets, USD 1 billion+ in assets under management as of May 2025, and recognition of Credicorp Capital as Best Investment Manager in Peru by Euromoney in both 2024 and 2025. The go-to-market motion is product-led growth combined with educational content marketing, paid and organic social, and a tiered loyalty program (Tyba Master League) intended to drive retention and referrals.

Name

Tyba

Legal name

Credicorp Negocios Digitales S.A.S.

Website

https://tyba.pe

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

251–500 employees

Short description

Tyba is the digital investment channel of Credicorp Capital, offering low-minimum mutual funds, US equities/ETFs, and flexible savings products to retail consumers across Peru, Colombia, and Chile via mobile app, web, and Yape integration. It serves over 1.2 million users with USD 1B+ in AUM.

Ownership category

akta.pro rank

Product category

Digital Wealth Management / Retail Investment Platform

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Open-End Investment Funds (525910)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Digital/Hybrid RIAs (Robo-Enabled, Tech-Forward) (FSAAACAJ)

akta.pro secondary industries

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Money Markets & Short-Term Funding (T-Bills, CP, CDs) (FSACAEAG), Investment Management Advisory (RIA) (FSAEAAAB)

Keywords

• Digital investment platform
• Mutual fund investing
• US equity trading
• Mobile wealth management
• Retail investment services

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Mutual Fund Management Fees: Tyba earns revenue through management fees charged on mutual fund assets under administration by Credicorp Capital S.A. SAF. These fees are deducted from fund returns before crediting the customer's account. The company does not charge separate platform subscription or transaction fees for fund investments. Mutual funds offered include low, medium, and high-risk options across soles and USD-denominated instruments.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Tyba operates a 100% digital, mobile-first investment platform offering access to 30+ professionally managed mutual funds (low/medium/high risk, in soles and USD), US equities and ETFs via tyba.tech, and tyba Pocket — a flexible investment pocket with no lock-up periods or early withdrawal penalties. Products are administered by Credicorp Capital S.A. SAF under SMV (Peru) supervision and are accessible to individual retail investors in Peru, Colombia, and Chile starting from S/20 or USD 5 per fund.

Product overview

Tyba is a comprehensive digital investment platform operated by Credicorp Capital S.A. SAF, offering multiple investment products through a unified mobile-first interface. The platform provides three core investment vehicles: Fondos Mutuos (mutual funds with 30+ options across risk levels), the Plataforma de acciones y ETFs (US stock/ETF trading platform), and tyba Pocket (flexible investment pocket). These core products are supplemented by financial planning tools including investment simulators, financial calculators, the Educatyba education platform, and the tyba Master League loyalty program. Users can also access tyba functionality directly through the Yape mobile payment app. The platform is regulated by Peru's SMV and backed by Credicorp's 136+ years of regional financial experience.

Differentiator

Problem solved

Functional benefit

Brands

• tyba Pocket: Flexible savings and investment product allowing deposits and withdrawals without penalties
• Plataforma de acciones y ETFs
• educatyba

Products and services

• Fondos Mutuos (Mutual Funds) Professionally managed mutual fund portfolios offering more than 30 options across low, medium, and high-risk profiles in Peruvian soles and US dollars, administered by Credicorp Capital S.A. SAF under SMV (Peru) supervision. Individual investors can start from S/20 or USD 5 per fund.
• Plataforma de acciones y ETFs (US Stocks and ETFs Platform) Investment platform providing Tyba users with access to US stock exchanges (NYSE, Nasdaq) for trading individual stocks and exchange-traded funds (ETFs), enabling international portfolio diversification in USD.
• tyba Pocket Flexible, ultra-conservative investment pocket that generates returns on idle balances with no lock-up periods and penalty-free withdrawals, accessible directly from the Tyba mobile app. Positions Tyba as a higher-yielding alternative to traditional savings accounts.

Quantifiable outcome

• USD 1.5 billion invested through the platform
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Credicorp Capital S.A. SAFcoreStrategic or Co-development PartnerCredicorp Capital S.A. SAF is the regulated asset management entity that administers all mutual funds available on the Tyba platform. It operates under SMV (Peru), SFC (Colombia), CMF (Chile), and SEC/FINRA (US) oversight. Tyba serves as the digital investment channel for Credicorp Capital products. This is the core product and regulatory backbone of the entire Tyba offering.
• Yape (Banco de Crédito del Perú)coreChannel Partner/ Reseller/ DistributorYape, Peru's dominant mobile payment app operated by BCP, embedded Tyba's investment feature ('Invierte con tyba') directly in the Yape app menu. This enables Yape's tens of millions of users to discover and access Tyba investment products without leaving the Yape ecosystem — a deep distribution partnership that significantly lowers acquisition friction.
• Banco de Crédito del Perú (BCP)coreStrategic or Co-development PartnerBCP is Peru's largest bank and the parent of Credicorp. Tyba is positioned as the digital investment channel of BCP, allowing Tyba users to log in with BCP bank credentials (Tarjeta de Débito BCP and Clave de Internet) and fund investments from their BCP accounts. BCP's brand and customer trust underpin Tyba's credibility in the Peruvian market.

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Emerging players

• Alpaca: US-focused API-first brokerage and investing infrastructure platform enabling commission-free stock and ETF trading. Comparable as a digital-first, tech-forward investment platform targeting modern retail investors with low-cost trading products.
• Stash: US-based mobile-first investing platform combining education, fractional shares, and banking for beginner retail investors. Comparable in targeting first-time retail investors with low minimums and an education-led product experience.

Broad incumbents

• Wealthsimple: Canadian digital wealth manager offering low-fee investing, robo-advisory, and trading to retail clients. Comparable as a broader robo-advisor incumbent in business model (fee-based on AUM, mobile-first, low minimums), though operating in a different geography.
• Betterment: US-based pioneering robo-advisor offering automated, goal-based portfolio management to retail and high-net-worth clients. Comparable as a broader robo-advisor incumbent in business model and product structure, though geographically distinct.
• Nubank: Latin America's largest neobank with operations across Brazil, Mexico, and Colombia, increasingly adding investment products (ETFs, fixed income) to its retail platform. Comparable as a broad LATAM fintech incumbent whose investment offering competes with Tyba's mobile-first retail investing experience.
• Inter & Co: Brazilian digital bank super app offering checking, credit, investing, and shopping across LATAM. Comparable as a broader digital financial super-app incumbent in the same retail-investor segment Tyba targets, with an investment product suite.

Direct peers

• Fintual: Chile-based digital wealth management platform offering low-minimum mutual funds and ETFs to retail investors across LATAM (Chile, Mexico, Colombia). Closely comparable to Tyba in target customer, robo-advisory model, and regional focus, and a direct competitor in the Chilean market.
• GBM: Mexico-based digital broker and wealth platform offering stocks, ETFs, mutual funds, and retirement products to retail and affluent investors. Highly comparable in product mix (mutual funds + US equities) and LATAM digital wealth positioning.
• Trii: Colombian fintech offering commission-free stock and ETF trading to retail investors via a mobile-first app. Direct competitor to Tyba in the Colombian market with overlapping product set (US equities, fractional investing) and similar low-minimum onboarding.

Others

• Kaszek Ventures portfolio companies (e.g., Pomelo, Ualá): LATAM-focused VC firm with portfolio of fintech and digital wealth platforms across the region. Indirectly comparable as a capital provider and strategic enabler for LATAM fintech competitors that compete with Tyba for the same retail investor demographic.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/tyba_latam
• Facebookfacebook.com/tybalatam

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

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 Tyba