dale!

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.

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

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

• Digital wallet services
• Mobile payments
• Instant payment transfers
• Banking as a service
• Prepaid debit cards

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core 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

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration27 records

Feature4 records

Partnerships

23 partnerships are on record, tiered core and minor.

• Atlético NacionalcoreGTM or Marketing Partner · 1 May 2026Co-branded debit card partnership with Atlético Nacional football club for passionate fan base with exclusive benefits.
• Fuego (Esports)coreGTM or Marketing Partner · 1 May 2026Co-branded debit card with Fuego esports platform targeting gamers in Colombia with gaming-focused benefits.
• Real CartagenaminorGTM or Marketing Partner · 1 March 2026Co-branded debit card with 10% discount on tickets for Real Cartagena football club fans.
• Deportivo PastominorGTM or Marketing Partner · 1 March 2026Co-branded debit card for Deportivo Pasto football club supporters.
• UbercoreGTM or Marketing Partner · 1 March 202620% cashback on Uber rides paid with dale! debit cards (up to COP 12,000 per month, 540 benefits available monthly).
• Independiente Santa FecoreGTM or Marketing Partner · 1 December 2025Co-branded debit card with 10% discount at Casa Cardenal store for Santa Fe fans.
• Cruz Roja Colombiana / AAvancecoreGTM or Marketing Partner · 1 December 2025Co-branded debit card that combines financial services with humanitarian support, where a portion of benefits support Cruz Roja's mission.
• VisacoreTechnology or Integration · 1 December 2025Payment network partner enabling dale! debit cards (standard and co-branded) for global acceptance at merchants and ATMs.
• MovistarminorGTM or Marketing Partner · 17 September 2025Mobile operator partnership offering COP 5,000 registration bonus for new dale! users who are Movistar customers.
• BetPlayminorGTM or Marketing Partner · 17 June 2025Betting platform where dale! users can recharge their accounts with 20% cashback through the app's betting recharge feature.
• RushbetminorGTM or Marketing Partner · 17 June 2025Betting platform integrated with dale! for account recharges with promotional cashback offers.
• BwinminorGTM or Marketing Partner · 17 June 2025International betting platform partnered with dale! for digital wallet recharges and promotional campaigns.
• YajuegominorGTM or Marketing Partner · 17 June 2025Colombian betting platform integrated with dale! wallet for account recharges with cashback incentives.
• CodereminorGTM or Marketing Partner · 17 June 2025International betting platform where dale! users can recharge accounts with promotional cashback benefits.
• Western UnioncoreGTM or Marketing Partner · 17 June 2025International remittance service allowing users to receive remittances directly into their dale! wallet with promotional bonuses for new and existing users.
• Plaza de las AméricascoreGTM or Marketing Partner · 20 August 2024Co-branded debit card with shopping mall offering exclusive discounts and promotions for mall visitors.
• Millonarios FCcoreGTM or Marketing Partner · 1 August 2024Co-branded debit card partnership with Colombia's Millonarios FC football club, offering fans exclusive discounts and cashback at partner merchants.
• Deportivo Independiente Medellín (DIM)coreGTM or Marketing Partner · 1 August 2024Co-branded debit card with Colombia's DIM football club providing fans with 25% discount at official store and other benefits.
• Universidad EANcoreGTM or Marketing Partner · 1 August 2024Co-branded debit card for EAN university students and staff with 5% cashback on purchases.
• Corporación Unificada Nacional (CUN)coreGTM or Marketing Partner · 1 August 2024Co-branded debit card for CUN university community with 5% cashback on purchases.
• PlurallcoreTechnology or Integration · 4 April 2023Plurall 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 AmazonminorStrategic or Co-development Partner · 1 January 2023Environmental partnership for tree planting initiatives with indigenous communities in Guainía, supporting biodiversity and cultural preservation.
• UbercoreGTM or Marketing Partner · 1 December 2019Uber 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

Direct 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

• Xx.com/dale_com_co
• Facebookfacebook.com/dale.com.co
• LinkedInlinkedin.com/company/dalecolombia
• Instagraminstagram.com/dale.com.co
• TikToktiktok.com/@dale.com.co

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 dale!