Tyba
Tyba is a Credicorp Capital-owned digital investment platform operating in Colombia, Peru, and Chile, serving mass-market individual investors with low-minimum access to FIC funds, CDTs, voluntary pensions, NYSE stocks, and savings products.
- Company typePrivate
- Founded2019
- HeadquartersBogotá, Colombia
- Headcount51–100
- GTM typeB2C
- OfferingSoftware
What Tyba does
Tyba is a digital investment platform operating in Colombia, Peru, and Chile, wholly owned by Credicorp Capital, the investment arm of Credicorp Ltd. (NYSE: BAP, ~$15.74B market cap, 136 years of regional history). The platform serves mass-market individual investors with low minimums (FIC and Pocket from COP 100,000; advisory tier from COP 15 million), distributing products including NYSE-listed international stocks, CDTs (via Mibanco), collective investment funds and voluntary pension funds (via Credicorp Capital Fiduciaria), international portfolios, a USD daily-yield product called Power Cash, and a flexible sub-account feature called tyba Pocket. As of 2025, the company reports more than $1.5 billion USD in assets under administration and over 1 million app downloads across the three markets.
The product is built as a 100% digital onboarding and portfolio management experience on mobile (iOS/Android) and web, with investment simulators, a risk-profile questionnaire, real-time portfolio tracking, a 2025-launched Dividend Calendar for S&P 500 holdings, and a gamified loyalty program (tyba Master League) with four tiered divisions. Tyba operates as a regulated digital correspondent for Credicorp Capital Colombia, Credicorp Capital Fiduciaria, and Mibanco, all supervised by the Superintendencia Financiera de Colombia; the platform carries SOC 2 Type 2 attestation and complies with Colombian data protection law (Law 1581 of 2012). The company employs 51-100 staff under a fully remote model constrained to within approximately two hours of Colombia's timezone.
Revenue is generated primarily through commissions embedded in the distributed investment products (transaction-based) plus personalized advisory fees on the COP 15 million-plus premium tier. Distribution combines product-led growth (self-serve app/web), a community-led referral and loyalty engine (Master League), a commissioned Independent Financial Professionals (IFP) channel, and content-led acquisition via educatyba (blog, podcast, video) and paid social across Meta, Google, and TikTok. The platform's three co-founders are Janice Freundt (Experience Owner), Valdemaro Mendoza (CEO), and Gabriel Farah (CTO).
Tyba firmographics
Firmographics- Name
- Tyba
- Legal name
- Credicorp Negocios Digitales S.A.S.
- Website
- https://tyba.com.co
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Tyba is a Credicorp Capital-owned digital investment platform operating in Colombia, Peru, and Chile, serving mass-market individual investors with low-minimum access to FIC funds, CDTs, voluntary pensions, NYSE stocks, and savings products.
- Ownership category
- akta.pro rank
Tyba industry classification
Industry- Product category
- Retail Investment Platform
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Robo-Advisors & Digital Wealth Managers (FSAAAAAD)
Keywords
Where Tyba is headquartered
LocationHeadquarters
- HQ city
- Bogotá
- HQ country
- Colombia
- HQ region
- Latin America
Offices2 records
Markets served
Tyba business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Investment product distribution commissions: Tyba distributes investment products (FIC, CDT, FPV, international stocks) from affiliated entities (Credicorp Capital Colombia, Credicorp Capital Fiduciaria, Mibanco). Revenue is generated through commissions embedded in product fees, likely as a distribution/referral arrangement as part of the Credicorp group structure.
- Financial advisory fees: Personalized investment advisory services for clients with investments from COP 15 million upwards, generating advisory service revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Digital self-service (FIC, CDT, Pocket, FPV) |
| Hybrid | Annual | Personalized advisory tier |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Tyba product offering
Product offeringCore offering
Tyba operates as a digital investment platform that enables individual retail investors to access and trade a range of investment products including international stocks (NYSE), CDT Digital time deposits, mutual funds (FIC), voluntary pension funds (FPV), and personalized portfolios. The platform also offers automated investment tools (Power Cash), thematic portfolios (Master League), personalized advisory services, and educational resources (educatyba) for retail investors across Colombia, Peru, and Chile.
Product overview
Tyba is a comprehensive digital investment platform by Credicorp Capital offering a unified ecosystem for investment management. The platform provides access to multiple investment products including Acciones Internacionales (NYSE access), CDT Digital (term deposits via Mibanco), Fondos de Inversión Colectiva (managed funds), Portafolios Internacionales (global portfolios), Fondo de Pensión Voluntaria (retirement savings), and tyba Pocket (flexible savings). Users can access these products through the mobile app or web portal, with tiered advisory services for larger portfolios. The platform also features educational content (educatyba), financial planning simulators, and a gamified loyalty program (tyba Master League). All products are supervised by the Superintendencia Financiera de Colombia and backed by Credicorp Capital entities.
Differentiator
Problem solved
Functional benefit
Products and services
- International Stocks (NYSE)
Quantifiable outcome
- Assets under management of $1,500+ million USD
- +1 more outcomes
Companies that use Tyba
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles1 record
Tyba technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability1 record
Feature5 records
Tyba partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Credicorp Capital Colombia S.A.coreParent company and commissionista de bolsa providing investment products distributed through Tyba platform. Credicorp Capital Colombia offers international stocks access (CC Invest), investment advisory, and managed portfolios. Tyba operates as digital correspondent under supervision of Superintendencia Financiera de Colombia.
- Credicorp Capital Fiduciaria S.A.coreFiduciary entity providing collective investment funds (FIC) and voluntary pension funds (FPV) distributed through Tyba. Products include: Credicorp Capital Alta Liquidez, Deuda Corporativa, Renta Fija Colombia, Renta Fija Global, Acciones Colombia, Acciones Globales, Innovación LATAM, Dólar Efectivo, and closed-end Oportunidad Renta Fija funds.
- Mibanco S.A.coreLeading microfinance institution in Latin America with AAA rating from Fitch Ratings and F+1 short-term rating. Provides CDT (Certificate of Deposit) products through Tyba platform. Mibanco serves over 530,000 clients in 119 offices in Colombia. CDT digital product is 100% digital through Tyba with terms from 3-24 months.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Tyba competitors and assessment
Company assessmentDirect peers
- Trii: Colombian digital investment app offering retail access to local and U.S. stocks and FIC funds. The closest direct competitor to Tyba in Colombia, sharing the same PLG, app-led, mass-affluent target customer and product taxonomy.
- Wealthsimple: Canadian digital wealth manager offering self-directed investing, managed portfolios, and advisory across multiple product types. A globally relevant direct peer to Tyba on robo-advice, hybrid advisory tiers, and retail wealth-management UX.
- Betterment: U.S. digital wealth platform offering automated portfolio management and goal-based advisory. Comparable to Tyba as a regulated, low-minimum, hybrid self-serve-plus-advisory retail wealth platform.
- eToro: Global multi-asset investing platform with social copy-trading features and direct international stock access. Compares to Tyba on retail brokerage, international equities, and gamified/app-led onboarding across multiple LATAM markets.
- Acorns: U.S. micro-investing and savings app targeting first-time investors with low minimums and automated portfolio construction. A relevant comparable to Tyba on mass-market onboarding, low-balance entry, and education-led acquisition.
Emerging players
- Magnet: Chilean startup offering app-based investing and treasury products to retail and SMB customers. An emerging LATAM peer overlapping with Tyba's Chilean market and digital-treasury positioning.
- Hapi: LATAM-focused fractional U.S. stock investing app. An emerging peer to Tyba on cross-border retail access to U.S. equities from Colombia, Peru, and Chile via mobile UX.
Broad incumbents
- XP Inc. Brazilian large-scale investment platform with retail brokerage, advisory, funds, and fixed income under one ecosystem. Comparable to Tyba as a broad LATAM incumbent in retail investing, though operating at much greater scale and product breadth.
- Nubank: LATAM's largest digital financial super-app with payments, credit, and increasingly investment products across Brazil, Mexico, and Colombia. Comparable to Tyba as a regional broad-incumbent whose expansion into investing could pressure Tyba's standalone proposition.
- Mercado Pago: Mercado Libre's fintech arm offering payments, credit, and investment products (Mercado Fondos) across most of LATAM. A broad LATAM incumbent whose embedded investment products increasingly overlap with Tyba's low-friction mass-market value proposition.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Tyba social profiles
Digital presenceTyba compliance and trust
Trust signalCompliance2 records
Tyba financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tyba leadership team
Management profileNumber of profiles
Profiles3 records
Tyba funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tyba M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tyba
What does Tyba do?
Tyba operates as a digital investment platform that enables individual retail investors to access and trade a range of investment products including international stocks (NYSE), CDT Digital time deposits, mutual funds (FIC), voluntary pension funds (FPV), and personalized portfolios. The platform also offers automated investment tools (Power Cash), thematic portfolios (Master League), personalized advisory services, and educational resources (educatyba) for retail investors across Colombia, Peru, and Chile.
Is Tyba a public or private company?
Tyba is a private company. It is classified as corporate owned and is currently operating.
When was Tyba founded?
Tyba was founded in 2019. It employs 51 to 100 people.
Where is Tyba based?
Tyba is headquartered in Bogotá, Colombia, in the Latin America region.
How does Tyba make money?
Two revenue lines are on record. Investment product distribution commissions are the primary driver. The others are financial advisory fees.
Who are Tyba's main competitors?
Direct peers on record are Trii, Wealthsimple, Betterment, eToro and Acorns. Emerging players are Magnet and Hapi. Broad incumbents are XP Inc., Nubank and Mercado Pago.
Does Tyba have an API?
No public API is recorded for Tyba.
What industry is Tyba in?
Tyba's product category is Retail Investment Platform. Its primary akta.pro industry code is FSAAAAAD, Robo-Advisors & Digital Wealth Managers. Its NAICS code is 523940 and its SIC code is 6282.