Nubi

What Nubi does

Nubi S.A. is an Argentine fintech founded in 2019 and headquartered in Buenos Aires that operates a digital employee benefits and corporate payments platform built on Visa prepaid card infrastructure. The company distributes a suite of products — Nubi Beneficios (flexible employee benefits without social-charge impact), Nubi Almuerzos (digital meal/lunch cards), Nubi Corporativa (corporate expense cards), Nubi Gobierno (public-sector benefit distribution), and Fin de Año (year-end corporate gifting) — and in September 2022 acquired Salary Flex to add earned-wage-access functionality allowing employees to draw up to 50% of earned salary in advance. Nubi's platform is positioned as a 100% online, no-fixed-fee alternative to traditional Argentine meal voucher and benefit programs, explicitly operating as a non-bank and not as a regulated financial entity under Argentine law.

Name

Nubi

Legal name

Nubi S.A.

Website

https://tunubi.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Nubi is an Argentine fintech that provides digital employee benefits, meal cards, corporate expense cards, and salary advance services via a Visa prepaid card platform, serving 400+ companies and 50,000+ users across multiple industries in Argentina.

Ownership category

akta.pro rank

Product category

Employee Benefits & Corporate Payments Software

NAICS

Insurance and Employee Benefit Funds (5251), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Prepaid Card Program Managers & Issuers (BIN Sponsors) (FSAMANAK)

Keywords

• Employee benefits management
• Corporate payment solutions
• Digital prepaid cards
• Meal benefit programs
• Salary advance services

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Employee Benefits Management: Subscription or per-employee fees for providing digital benefit management platforms to companies, including benefits, meal cards, and corporate payment solutions.
2. Salary Advance Services: Following the acquisition of Salary Flex, Nubi offers salary advance/wage advance services allowing employees to request up to 50% of their earnings in advance, generating revenue through interest or fees on the advance amount.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Nubi provides a digital employee benefits and corporate payments platform built on a Visa prepaid card infrastructure, enabling Argentine companies to disburse flexible benefits, meal allowances, corporate expense cards, and government-sector payments online in minutes without fixed or maintenance fees. Its suite includes Nubi Beneficios (benefits without impact on social charges), Nubi Almuerzos (digital meal benefits), Nubi Corporativa (corporate card and expense control), Nubi Gobierno (public sector solution), Fin de Año (year-end corporate gifts), and Salary Flex (salary advances up to 50% of earnings).

Product overview

Nubi is a digital employee benefits and corporate payments platform offering a suite of interconnected solutions delivered through a Visa prepaid card infrastructure. The core platform consists of Nubi Beneficios (employee benefits), Nubi Almuerzos (meal benefits), Nubi Corporativa (corporate payments), Nubi Gobierno (government solutions), and Fin de Año (year-end gifts). The platform differentiates through its digital-first approach, international Visa coverage, 100% online management, and no fixed maintenance costs. The company acquired Salary Flex in 2022 to expand into salary advance services, broadening its financial service portfolio.

Differentiator

Problem solved

Functional benefit

Brands

• Nubi Beneficios: Employee benefits management solution
• Nubi Almuerzos
• Nubi Corporativa
• Nubi Gobierno

Products and services

• Nubi Beneficios Digital employee benefits management platform that lets Argentine companies provide flexible benefits to their teams without impact on social charges (cargas sociales), delivered through Nubi's online account and Visa prepaid card infrastructure.
• Nubi Almuerzos Digital meal/lunch benefit solution that gives employees freedom to choose where and what to eat, replacing rigid traditional meal vouchers via a digital Visa prepaid card.
• Nubi Corporativa Corporate prepaid Visa card and payment management solution for Argentine businesses to control corporate expenses, save time on payments, and manage disbursements digitally.
• Nubi Gobierno Government-sector digital benefit and payment solution tailored for Argentine public-sector organizations, addressing traditional benefit distribution inefficiency and lack of transparency in government employee compensation.
• Fin de Año Year-end corporate gift solution allowing Argentine companies to give employees digital prepaid cards as end-of-year gifts, leveraging Nubi's Visa prepaid infrastructure.
• Salary Flex Salary advance / earned wage access platform acquired by Nubi in September 2022 that enables employees to request online salary advances of up to half their earnings through a simple digital process.

Quantifiable outcome

• NPS of 71 points
• +2 more outcomes

Named customers12 records

Segments2 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

One partnership is on record.

• Salary FlexcoreStrategic or Co-development Partner · 6 September 2022Nubi acquired Salary Flex, an Argentine fintech platform that enables employees to request salary advances online. The acquisition allows employees to borrow up to half their earnings with a simple digital process. This strategic acquisition expands Nubi's financial service offerings and improves its value proposition for users by adding earned wage access functionality.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Naranja X: Argentine fintech offering prepaid cards, digital accounts, and payment services to consumers and businesses. Comparable Argentine market, prepaid card infrastructure, and digital-first positioning.
• Mercado Pago: LATAM's largest fintech super-app offering prepaid accounts, cards, and corporate payment tools. Indirectly comparable as a broad incumbent that could bundle corporate benefits/payments into its existing SMB platform.
• Edenred: Global prepaid corporate benefits platform (Ticket Restaurant, Ticket Alimentación) operating across LATAM. Directly comparable to Nubi's prepaid Visa benefits and meal card offerings for enterprise clients.
• Sodexo (Benefits & Rewards): Global leader in employee benefits and meal vouchers with direct operations in Argentina. Comparable because it competes head-to-head with Nubi's meal (Nubi Almuerzos) and benefits (Nubi Beneficios) products for the same enterprise HR budgets.

Direct peers

• Pluxee: Spin-off from Sodexo focused exclusively on employee benefits and engagement, operating across LATAM including Argentina. Directly competes with Nubi's benefits and meal-voucher digitization proposition.
• Moov (formerly known as Wabi / Vitalers): Argentine prepaid benefit and meal-card platform serving enterprise clients. Most directly comparable peer in Argentina for Nubi's meal and benefits products, competing for the same HR procurement budgets.
• Ualá: Argentine fintech offering prepaid cards, payments, and financial services to consumers and businesses. Comparable technology stack (Visa-backed prepaid), regulatory positioning (non-bank), and target geography.

Emerging players

• RecargaPay: LATAM digital payments super-app with prepaid card and corporate payment functionality. Comparable cross-LATAM prepaid card ambitions and SMB/enterprise targeting, with stronger presence in Brazil.

Regional players

• Up Sí Vale: Mexican corporate meal-voucher and benefits prepaid platform. Comparable in product (food voucher cards, employee benefits) and LATAM enterprise go-to-market motion, though focused on Mexico.
• Alelo: Brazilian corporate benefits and meal card issuer (part of Elo/Bradesco ecosystem). Comparable product model (prepaid benefits cards for enterprise) in the largest LATAM market that Nubi could expand into.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/nubiok
• Facebookfacebook.com/nubiok
• LinkedInlinkedin.com/company/nubiok
• Instagraminstagram.com/nubiok

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nubi