Yuntas

What Yuntas does

Yuntas (legally YUNTAS FINTECH S.A.C.) is a Peru-based, founder-led consumer fintech that operates a self-serve platform for creating collective savings pools called "Pozos." The product targets individual consumers in Peru who want to organize money individually or with friends for events such as trips, birthdays, weddings, parties, health expenses, or personal donations. Users start a pool through a chatbot-driven conversation (six guided steps) and invite participants via Facebook Messenger; authentication is handled through Facebook and supplemented with email, DNI, and SMS verification. The company is led by founders Raul Puertas (CEO) and Manuel Castillo (CTO), is incorporated as a closed Sociedad Anónima Cerrada under Peruvian law, and maintains its registered office at Jr. Juan José Calle 235, Miraflores, Lima.

The underlying technology is a lightweight chatbot layer integrated with Facebook for identity and invitations, paired with a banking integration to BanBif for payment collection through internet banking, agents, and branch tellers. Users receive payment coupons for periodic contributions, and a dedicated compliance officer oversees anti-money laundering controls; personal data is stored encrypted with SSL under Peru's Ley N° 29733 data protection framework. The platform is single-country (Peru) with no disclosed payments-bank alternatives, no mobile apps in major stores, and no API or SDK offering. Distribution relies almost entirely on organic social (Facebook, LinkedIn, YouTube) and word-of-mouth through Messenger invitations.

The business model is a pure transaction take-rate: pool creation is free, and Yuntas charges a 3% service fee on the total accumulated pool at the moment of closure or disbursement, regardless of whether the goal is reached or the pool is closed early. There are no subscription, membership, or advertising revenues, and no enterprise or merchant tier. The company has no disclosed funding rounds, no institutional investors, and no parent entity; supporting ecosystem partners include Fintech Peru, Telefónica Open Future, Emprende UP, Cámara de Comercio de Lima, and Municipio de Miraflores.

Name

Yuntas

Legal name

YUNTAS FINTECH S.A.C.

Website

https://yuntas.pe

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Yuntas is a Peru-based consumer fintech that enables individuals to create and manage collective savings pools (Pozos) for trips, events, and donations via a chatbot integrated with Facebook Messenger and BanBif bank payments, monetizing through a 3% fee at pool closure.

Ownership category

akta.pro rank

Product category

Peer-to-peer group savings platform

akta.pro primary industry

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

Keywords

• Group savings pools
• Collective money pooling
• Chatbot banking platform
• Peer-to-peer savings
• Social savings fintech

Headquarters

HQ city

Miraflores

HQ country

Peru

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Pool Closure Service Fee: 3% fee charged on the total accumulated pool amount at the moment of pool closure/disbursement. This applies whether the goal was achieved or not, and regardless of early withdrawal. No subscription or membership fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Yuntas provides a chatbot-based fintech platform that enables individuals in Peru to create and manage collective savings pools (called "Pozos") for shared financial goals such as trips, birthdays, weddings, health expenses, and donations. Users are guided through a conversational 6-question flow, invite participants via Facebook Messenger, and contribute/pay through BanBif bank channels (internet banking, agents, branches). The service charges a 3% fee on the accumulated pool amount at the moment of pool closure.

Product overview

Yuntas is a single-platform fintech application consisting of the Yuntas Platform as the core product, which enables users to create and manage Pozo (savings pools) for shared financial goals. The platform operates through a chatbot-driven interface for pool creation and integrates with BanBif for payment processing, Facebook for authentication, and Facebook Messenger for participant invitations. Users can organize money individually or collectively, set contribution schedules, track contributions, and withdraw funds upon pool completion.

Differentiator

Problem solved

Functional benefit

Products and services

• Yuntas Platform A financial technology application that enables individual users in Peru to create and manage collective savings pools (Pozos) for shared financial goals, with features for inviting participants, tracking contributions, and processing withdrawals. Access is self-serve through a chatbot-driven flow and Facebook Messenger invitations.
• Pozo (Savings Pool) The core feature on the Yuntas Platform that allows users to pool money collectively or individually for a specific goal (trips, birthdays, weddings, health expenses, donations). Each Pozo is configurable with contribution amounts and payment schedules; funds are held in a dedicated bank account under the organizer's control and can be withdrawn at any time, with a 3% service fee applied at closure.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• BanBifcoreTechnology or IntegrationBanking partner for payment collection. Users make contributions through BanBif's internet banking, agents, and branches. BanBif is a Peruvian bank that processes all payment transactions for the Yuntas platform.
• Fintech PeruminorOthersPeruvian fintech industry association. Listed as supporter on Yuntas website, indicating membership or support from the fintech community.
• Cámara de Comercio de Lima (CCL)minorStrategic or Co-development PartnerLima Chamber of Commerce. Listed as supporter, indicating business association support and potential networking access.
• Municipio de MirafloresminorStrategic or Co-development PartnerLocal government of Miraflores district in Lima. Listed as supporter, indicating municipal support for the local startup.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Market position

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCcNBNhpjdIYYxguy2oNb9vQ?view_as=subscriber
• Facebookfacebook.com/YuntasFintech
• LinkedInlinkedin.com/company/yuntas

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Yuntas