dale!
dale! is a Colombian digital wallet (SEDPE) under Grupo Aval offering free instant payments via BRE-B/Tag Aval, a Visa debit card portfolio, savings, remittances, and BaaS APIs, serving unbanked individuals, small merchants, and enterprise partners across Colombia.
- Company typePrivate
- Founded2018
- HeadquartersBogotá, Colombia
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What dale! does
dale! is a Colombian digital wallet operated by Aval Soluciones Digitales S.A. SEDPE (Sociedad Especializada en Depósitos y Pagos Electrónicos), a wholly-owned subsidiary of Grupo Aval — Colombia's largest financial conglomerate — with Banco de Bogotá as the parent bank. Launched publicly in February 2020 after obtaining SEDPE approval from the Superintendencia Financiera de Colombia in December 2018, the platform serves unbanked and underbanked individuals, small merchants, and enterprise partners. The company describes serving 'millions of customers' and operates with 51–100 employees from its headquarters in Bogotá.
The core product is a mobile and web-based digital wallet offering free account opening, free transfers between dale! users and across Colombia's BRE-B central-bank instant payment rail via the Tag Aval personalized identifier system, interoperable QR payments via Redeban, and a Visa debit card portfolio (digital, physical, and a broad range of co-branded variants with football clubs, universities, and brands). The platform extends into savings ('Alcancías' at 10.5% E.A.), international remittances (Western Union), government subsidy disbursement (Ingreso Mínimo Garantizado), payroll, food delivery (via Justo), transit recharge (TuLlave), betting-platform top-ups, entertainment pre-sales (#ExperienciasAval), and Apple Pay/Google Pay tokenization. For enterprise clients, dale! operates a Banking as a Service (BaaS) API enabling partners such as Plurall and Uber to embed wallet and co-branded card functionality.
Monetization is primarily indirect: most consumer services are free, with revenue generated from Visa interchange on co-branded debit cards, selective merchant fees (e.g., COP 1,680 + VAT per QR payment-button transaction), BaaS service fees from enterprise integrations (Plurall microcredit disbursements), and revenue-share from affinity-card partnerships. The go-to-market is product-led for consumers combined with B2B partnership distribution across sports, academia, rideshare, retail, and humanitarian organizations — most notably a portfolio of co-branded debit cards with major Colombian football clubs including Millonarios, DIM, Atlético Nacional, Santa Fe, Tolima, Real Cartagena, and Deportivo Pasto, plus universities (EAN, CUN) and brands such as Uber, Plaza de las Américas, OXXO, Cruz Roja/AAvance, and Fuego (esports). Marketing is amplified through the #ExperienciasAval entertainment platform and the FIFA 2026 Visa campaign.
dale! firmographics
Firmographics- Name
- dale!
- Legal name
- Aval Soluciones Digitales S.A. SEDPE
- Website
- https://dale.com.co
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- dale! is a Colombian digital wallet (SEDPE) under Grupo Aval offering free instant payments via BRE-B/Tag Aval, a Visa debit card portfolio, savings, remittances, and BaaS APIs, serving unbanked individuals, small merchants, and enterprise partners across Colombia.
- Ownership category
- akta.pro rank
dale! industry classification
Industry- Product category
- Digital Payments
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- QR Code Payments Wallets (FSAMAEAC)
- akta.pro secondary industries
- Card Issuing & Program Management Platforms (BPAMAFAH), Smart Routing, Cascading & Payment Optimization (FSAMACAJ)
Keywords
Where dale! is headquartered
LocationHeadquarters
- HQ city
- Bogotá
- HQ country
- Colombia
- HQ region
- Latin America
Offices1 record
Markets served
dale! business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction and Payment Services: Core revenue from transaction fees on certain payment services (e.g., QR code button payments at 1,680 + VAT per transaction) and potentially interchange fees from Visa debit card transactions. Many basic services are free to drive user adoption.
- Banking as a Service (BaaS): API and integration services for businesses to embed dale! digital wallet functionality with co-branded cards into their platforms. Revenue generated through service fees and transaction processing.
- Co-branded Card Partnerships: Revenue share or interchange fees from co-branded debit card partnerships with sports teams, universities, and commercial brands (Millonarios, DIM, EAN, CUN, etc.). Partners drive card issuance with exclusive promotions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Personal accounts - Free basic services |
| Transaction based/ take rate | Pay-as-you-go | Payment Button Service - COP 1,680 + VAT |
| Unit Pricing | Pay-as-you-go | Physical QR Reprint - COP 9,500+13,000 delivery |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels8 records
dale! product offering
Product offeringCore offering
dale! operates a regulated Colombian digital wallet (Sociedad Especializada en Depósitos y Pagos Electrónicos - SEDPE) that lets individuals, entrepreneurs, and merchants send, receive, and spend money through a mobile app and Visa debit card. The platform natively integrates with Colombia's central bank BRE-B instant payment system and the Tag Aval identifier, enabling free 24/7 transfers across banks and wallets. For businesses, dale! provides Banking-as-a-Service APIs, QR collection, payment buttons, and payroll disbursement services.
Product overview
dale! is a Colombian digital wallet operated by Aval Soluciones Digitales S.A. (a SEDPE regulated by the Superintendencia Financiera de Colombia), functioning as both a consumer fintech app and a B2B financial services platform. The core offering is the dale! digital wallet, which provides free instant payments via the BRE-B central bank system and the Tag Aval personalized key. The ecosystem is anchored by the Tarjeta Débito dale! Visa (available in physical and digital form, including a broad portfolio of co-branded variants with sports clubs, universities, and brands), and expanded through modules including savings (Alcancías at 10.5% E.A.), international remittances (Western Union), food delivery (via Justo), transit card recharge (TuLlave), government subsidy disbursements, credit products, and entertainment access (#ExperienciasAval). For business clients, dale! offers a Banking as a Service API platform enabling companies to embed wallet and card services, plus merchant tools including payroll disbursement, QR code collection, and payment buttons.
Differentiator
Problem solved
Functional benefit
Products and services
- dale! Digital Wallet Core regulated Colombian digital wallet (SEDPE) that allows individuals and entrepreneurs to send, receive, and spend money via mobile app and web, with no bank account required and Fogafín insurance up to COP 50 million.
Quantifiable outcome
- Deposit protection up to COP 50 million through Fogafín
- +1 more outcomes
Companies that use dale!
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
dale! technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration27 records
Feature4 records
dale! partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core and minor.
- Atlético NacionalcoreCo-branded debit card partnership with Atlético Nacional football club for passionate fan base with exclusive benefits.
- Fuego (Esports)coreCo-branded debit card with Fuego esports platform targeting gamers in Colombia with gaming-focused benefits.
- Real CartagenaminorCo-branded debit card with 10% discount on tickets for Real Cartagena football club fans.
- Deportivo PastominorCo-branded debit card for Deportivo Pasto football club supporters.
- Ubercore20% cashback on Uber rides paid with dale! debit cards (up to COP 12,000 per month, 540 benefits available monthly).
- Independiente Santa FecoreCo-branded debit card with 10% discount at Casa Cardenal store for Santa Fe fans.
- Cruz Roja Colombiana / AAvancecoreCo-branded debit card that combines financial services with humanitarian support, where a portion of benefits support Cruz Roja's mission.
- VisacorePayment network partner enabling dale! debit cards (standard and co-branded) for global acceptance at merchants and ATMs.
- MovistarminorMobile operator partnership offering COP 5,000 registration bonus for new dale! users who are Movistar customers.
- BetPlayminorBetting platform where dale! users can recharge their accounts with 20% cashback through the app's betting recharge feature.
- RushbetminorBetting platform integrated with dale! for account recharges with promotional cashback offers.
- BwinminorInternational betting platform partnered with dale! for digital wallet recharges and promotional campaigns.
- YajuegominorColombian betting platform integrated with dale! wallet for account recharges with cashback incentives.
- CodereminorInternational betting platform where dale! users can recharge accounts with promotional cashback benefits.
- Western UnioncoreInternational remittance service allowing users to receive remittances directly into their dale! wallet with promotional bonuses for new and existing users.
- Plaza de las AméricascoreCo-branded debit card with shopping mall offering exclusive discounts and promotions for mall visitors.
- Millonarios FCcoreCo-branded debit card partnership with Colombia's Millonarios FC football club, offering fans exclusive discounts and cashback at partner merchants.
- Deportivo Independiente Medellín (DIM)coreCo-branded debit card with Colombia's DIM football club providing fans with 25% discount at official store and other benefits.
- Universidad EANcoreCo-branded debit card for EAN university students and staff with 5% cashback on purchases.
- Corporación Unificada Nacional (CUN)coreCo-branded debit card for CUN university community with 5% cashback on purchases.
- PlurallcorePlurall makes microcredit disbursements through a co-branded dale! wallet with an integrated debit card in their application, enabling instant digital credit access for their customers.
- Saving The AmazonminorEnvironmental partnership for tree planting initiatives with indigenous communities in Guainía, supporting biodiversity and cultural preservation.
- UbercoreUber drivers and lessees can open dale! accounts using their Uber app credentials, receiving a co-branded Uber debit card with gasoline discounts and promotional benefits.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
dale! competitors and assessment
Company assessmentDirect peers
- Nequi: Bancolombia's digital wallet subsidiary, the leading account-to-account wallet in Colombia and direct head-to-head competitor for primary consumer wallet share, with which dale! is interoperable via BRE-B.
- Daviplata: Davivienda's flagship digital wallet and Colombia's second major bank-led wallet, directly competing with dale! for unbanked/underbanked users and interoperable on BRE-B.
- Nu Colombia (Nubank): Brazilian neobank Nubank's Colombian subsidiary offering a digital account and Nu-branded card, competing with dale! for digitally native consumers on a similar low-fee, mobile-first proposition.
- Movii: Independent Colombian digital wallet targeted at unbanked users, listed as a BRE-B interoperability peer of dale!, competing for the same low-income, mobile-first customer base.
- RappiPay: Digital wallet and payments product from Colombian superapp Rappi, listed as a BRE-B interoperability peer of dale!, with strong merchant and consumer reach inside the Rappi ecosystem.
- Lulo Bank: Colombian digital bank offering savings and card products, listed among BRE-B interoperability peers of dale!, competing for digitally native Colombian account holders.
Broad incumbents
- Bancolombia: Colombia's largest bank and parent of Nequi; a broad financial-services incumbent with full-stack payments, cards, and deposits offerings that overlap with dale!'s SEDPE capabilities on a much larger scale.
- Ualá: Latin American neobank operating across multiple countries including Colombia, offering a card-and-wallet bundle that competes with dale! in the digitally native and unbanked segments.
- Mercado Pago: Latin American payments and digital wallet platform from Mercado Libre, broadly overlapping with dale! across payments, QR, and card services in Colombia, with much larger regional scale.
Regional players
- PicPay: Brazil's leading non-bank digital wallet offering a similar QR/card/payments proposition to dale!, providing a regional benchmark for LatAm digital wallet business models.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
dale! social profiles
Digital presencedale! financial estimates
Financial estimateRevenue estimate
Valuation estimate
dale! leadership team
Management profileNumber of profiles
Profiles1 record
dale! funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
dale! 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 dale!
What does dale! do?
dale! operates a regulated Colombian digital wallet (Sociedad Especializada en Depósitos y Pagos Electrónicos - SEDPE) that lets individuals, entrepreneurs, and merchants send, receive, and spend money through a mobile app and Visa debit card. The platform natively integrates with Colombia's central bank BRE-B instant payment system and the Tag Aval identifier, enabling free 24/7 transfers across banks and wallets. For businesses, dale! provides Banking-as-a-Service APIs, QR collection, payment buttons, and payroll disbursement services.
Is dale! a public or private company?
dale! is a private company. It is classified as corporate owned and is currently operating.
When was dale! founded?
dale! was founded in 2018. It employs 51 to 100 people.
Where is dale! based?
dale! is headquartered in Bogotá, Colombia, in the Latin America region.
How does dale! make money?
Three revenue lines are on record. Transaction and Payment Services are the primary driver. The others are banking as a Service (BaaS) and co-branded Card Partnerships.
Who are dale!'s main competitors?
Direct peers on record are Nequi, Daviplata, Nu Colombia (Nubank), Movii, RappiPay and Lulo Bank. Broad incumbents are Bancolombia, Ualá and Mercado Pago. PicPay is listed as a regional player.
Does dale! have an API?
Yes. Banking as a Service (BaaS) APIs allow partner businesses to embed dale! digital wallet services and co-branded Visa debit cards into their own applications. Partners like Plurall use these APIs to disburse microcredit funds into a dale! wallet integrated with their platform. Access is available to businesses via contact at [email protected].
What industry is dale! in?
dale!'s product category is Digital Payments. Its primary akta.pro industry code is FSAMAEAC, QR Code Payments Wallets, with a secondary code of BPAMAFAH, Card Issuing & Program Management Platforms. Its NAICS code is 522320.