Racional

Name

Racional

Legal name

Racional

Website

https://racional.cl

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Racional is a Chile-based application software platform that offers investment advice, accounting, ETFs, stock exchange access, fund management, and funding services, targeting retail investors in the Chilean market.

Ownership category

akta.pro rank

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations

Core offering

Racional provides an application-software platform that delivers investment advice, accounting, ETF access, stock-exchange connectivity, fund-manager selection, and funding services. It is positioned for individual investors under the tagline "Todos somos inversionistas" (We are all investors) and operates from Santiago, Chile.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Advisory Service Investment advice delivered through the Racional application-software platform for users seeking guidance on investment decisions.
• Accounting Service Accounting services provided within the Racional platform, enabling users to manage financial records alongside their investing activity.
• ETF Access ETF (exchange-traded fund) access provided through the Racional platform for users investing in diversified fund products.
• Stock Exchange Access Stock-exchange connectivity through the Racional platform, enabling users to trade equities.
• Fund Manager Service Fund-manager selection service within the Racional platform, allowing users to choose professional managers for their investments.
• Funding Service Funding service offered through the Racional platform for users seeking capital-raising or financing-related functionality.

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Broad incumbents

• Betterment: US digital wealth manager offering portfolio management and investment advice via a tech-forward platform. Comparable as a category benchmark for Racional's digital/hybrid RIA positioning.
• Robinhood: US app-based brokerage offering ETFs, equities, and advisory features to retail investors. Comparable as a mobile-first, multi-product investment app targeting retail customers.
• Wealthfront: US digital wealth manager offering automated portfolio management and financial planning. Comparable as a portfolio-management-led digital RIA model relevant to Racional's investment-advisory product.
• Wealthsimple: Canadian digital wealth platform offering robo-advisory, brokerage, and fund products through an app. Comparable as a digital/hybrid RIA reference model for what Racional aspires to build in Chile.
• LarrainVial: Large Chilean wealth manager and broker offering investment advisory, fund management, and stock brokerage services in Chile. Comparable in covering the same product categories as Racional (advice, ETFs, fund management, brokerage) at a much larger, established scale.
• Interactive Brokers: Global brokerage offering exchange access, ETFs, and investment products across markets. Comparable on the brokerage/exchange access leg of Racional's offering for self-directed Chilean investors.

Regional players

• GBM: Mexican retail-investing platform offering equities, ETFs, and managed portfolios via an app. Comparable as a regional LATAM peer building an investment super-app for Spanish-speaking retail customers, though focused on Mexico.

Direct peers

• Hapi: LATAM-focused investment app providing access to US equities and ETFs for retail users across Spanish-speaking markets. Comparable to Racional in targeting Spanish-speaking retail investors via a mobile-first brokerage/wealth experience.
• Fintual: Chilean retail-investing app offering ETFs, mutual funds, and advisory-style portfolios to retail investors. Most direct comparable to Racional given overlapping Chilean market, app-based delivery, and multi-product investment focus.

Others

• Minka: Chilean fintech operating in payments and financial-infrastructure rails. Comparable as a domestic Chilean fintech ecosystem participant adjacent to Racional's investment platform.

Market position

Customer concentration

• Xx.com/racionalapp
• LinkedInlinkedin.com/company/a

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Racional