MPF Invest

What MPF Invest does

MPF Invest S.A.S. is a Colombian fintech founded in 2021 that operates as a digital correspondent (corresponsal digital), aggregating regulated investment products from multiple financial entities into a single mobile application. The platform provides retail Colombian investors with access to a portfolio of 10+ investment products spanning money market funds (Accival Vista), fixed income (Accicuenta Conservative/Moderate/Major Risk), international equity via the FIC Acciones USA VOO (S&P 500 ETF exposure), closed-end funds (FIC 12M Plus, Fondo Potencial USA), private credit (FCP Deuda Privada Internacional, with exposure to Blackstone and Apollo funds), digital CDTs (Koa C.F.), and alternative investments including real estate crowdfunding (Duppla) and construction credit (Nazareth). The technology stack is a mobile-first iOS/Android application integrated with PSE for payments, with identity verification (photo of ID plus selfie) and self-serve onboarding. The platform does not administer funds directly; custody and product administration are held by regulated partners Acciones & Valores S.A. (a 65+ year-old brokerage) and Bloom Crowdfunding S.A., both supervised by the Superintendencia Financiera de Colombia.

The business model is a marketplace distribution model: MPF Invest earns revenue through transaction fees on deposits and withdrawals and commissions on investment volumes distributed through the platform, with variable pricing published on its Tarifas page. Administrative fees (1-1.5% per annum) on partner funds accrue primarily to Acciones & Valores, with a 2% upfront entry fee plus 1% per annum on the Fondo Potencial USA flowing through MPF Invest. The go-to-market is product-led growth: users self-register on the app store, verify identity, link a Colombian bank account via PSE, and invest independently, with no sales team. Customer acquisition is driven by organic social media (Facebook, Instagram, X, LinkedIn, TikTok, YouTube), content marketing (educational blog, newsletter), and gamified engagement (Reto 12 en 1 educational challenge, Desafío Millón 2025 contest). The team comprises 16+ members including C-suite leadership (CEO Carolina Pineda, CIO Santiago García, CTPO Juan Manuel Cortés, CMO Felipe Zuluaga, CFO Juan Pablo Zuluaga), supported by product, design, growth, and engineering functions.

As of the latest disclosure, MPF Invest reports +63,000 registered users and +80,000 MM COP (approximately $20M USD) in assets under administration. The company is founder-owned and privately held, with no disclosed external funding rounds. The target customer segments are Colombian retail investors and mass-affluent individuals seeking accessible alternative investments historically reserved for high-net-worth individuals, with minimum investment thresholds ranging from $50,000 COP to $123,000,000 COP across product types. Custodial and regulatory risk is structurally mitigated by reliance on SFC-supervised partners, but the platform itself remains a thin technology layer dependent on partner liquidity and product availability.

Name

MPF Invest

Legal name

MPF Invest S.A.S.

Website

https://mpfinvest.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

MPF Invest is a Colombian fintech operating as a digital correspondent that aggregates 10+ regulated investment products (funds, CDTs, crowdfunding, private credit) from partners like Acciones & Valores and Bloom into a single mobile app for Colombian retail investors, reporting 63,000+ users and 80B COP AUM.

Ownership category

akta.pro rank

Product category

Retail Investment Platform

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Goal-Based & Micro-Investing Platforms (Round-ups, Fractional) (FSAGAEAG)

akta.pro secondary industry

Project Finance Capital Raising Intermediation (FSAEALAJ)

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Transaction Costs (Costos Transaccionales): Fees charged to users for each transaction (deposits, withdrawals, and investment operations). The fees vary by project and timing of the transaction. MPF Invest explicitly states that transaction costs cover infrastructure maintenance, quality service provision, intermediary commissions, and user experience improvements.
2. Fund Administration Fees (passed through from partner Acciones & Valores): Annual administration fees collected by Acciones & Valores on investment funds, passed through or facilitated via the MPF Invest platform. Fee rates: Accival Vista 1% per annum; Accicuentas 1.2% per annum; FIC Acciones USA VOO 1.5% per annum. MPF Invest also charges 2% initial plus 1% p.a. on the Fondo Potencial USA.
3. Investment Product Distribution: As a digital correspondent, MPF Invest earns revenue from facilitating access to financial products (FICs, CDTs, crowdfunding, private capital funds) offered by regulated allies. Revenue is derived from transaction costs and commissions on investment volumes processed through the platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

MPF Invest is a Colombian digital investment platform that operates as a "corresponsal digital" (digital correspondent) connecting retail investors to investment products originated and custodied by regulated financial entities such as Acciones & Valores, Bloom Crowdfunding, and Koa C.F. Through its mobile app and website, users can access fixed-income funds, equity funds tracking the S&P 500, private credit funds, digital CDs, real estate crowdfunding, and structured products with minimums as low as COP $50,000. The platform also bundles educational tools (budget tracker, investment simulator, gamified Reto 12 en 1 challenge) to support novice investors and democratize access to alternative assets previously reserved for high-net-worth individuals in Colombia.

Product overview

MPF Invest is a digital investment platform (mobile app and web) offering access to traditional and alternative investment products in Colombia. The platform provides a portfolio of collective investment funds (FICs) including fixed income funds (Accival Vista, Accicuenta line), equity funds (Acciones USA VOO, FIC Estrategia Global), closed-end funds (FIC 12M Plus, Fondo Potencial USA), private credit (FCP Deuda Privada Internacional), real estate investments (Duppla, Nazareth), and digital CDs (CDT Digital KOA). The platform operates as a digital correspondent connecting users to regulated entities Acciones & Valores and Bloom Crowdfunding. Educational features include the Reto 12 en 1 challenge, while the Pre-Alfa product serves as an internal testing mechanism. Key statistics: +63K registered users, +80,000 MM COP in assets under management.

Differentiator

Problem solved

Functional benefit

Products and services

• Acciones USA VOO Investment fund providing Colombian retail investors exposure to the Vanguard S&P 500 ETF (VOO) through Acciones & Valores, with 1.5% per annum administration fee. Currency risk applies; US citizens and permanent residents cannot invest per BlackRock regulations.
• Accival Vista Conservative fixed-income fund for short to medium-term liquidity, investing in highest-rated fixed-income assets. Minimum COP $100,000 with 1% per annum administration fee via Acciones & Valores.
• Accicuenta Conservador Conservative profile fund investing in prominent fixed income funds locally and internationally to reduce volatility and optimize long-term returns. Administration fee 1.2% per annum via Acciones & Valores.
• Accicuenta Moderado Moderate-risk fund balancing fixed and variable income investments for medium-term goals of 2-4 years. Administration fee 1.2% per annum via Acciones & Valores.
• Accicuenta Mayor Riesgo Higher-risk fund investing in local and international variable income funds and fixed income for long-term goals exceeding 3 years. Administration fee 1.2% per annum via Acciones & Valores.
• Fondo Potencial USA Closed-end fund investing in US small-cap companies with high growth potential, offering 100% capital protection with potential returns up to 45%. 25-month term with 2% upfront entry fee plus 1% per annum administration fee.
• FIC 12M Plus Closed-end collective investment fund investing in local fixed-income securities with estimated net returns of 12.5% to 13.5% E.A. (Efectiva Anual).
• FIC Estrategia Global Medium-term portfolio investing in US, European, and emerging market stocks through BlackRock-composed portfolios of foreign funds, ETFs, and UCITs. Distributed via Acciones & Valores.
• FCP Deuda Privada Internacional Semi-liquid private credit fund investing in Blackstone and Apollo funds that grant loans to US companies, with expected returns of 8-10% E.A. in USD. US citizens and permanent residents cannot invest.
• CDT Digital KOA 100% digital Certificate of Deposit (CDT) issued by Koa C.F., vigilado by the Superintendencia Financiera de Colombia and backed by Fogaf\u00edn deposit insurance. Rates from 12.6% E.A. at 6 months to 13.35% E.A. at 18 months; minimum investment COP $500,000.
• Nazareth Construction credit investment opportunity financing a priority housing development project (80 apartments in Soledad, Atl\u00e1ntico) via Bloom Crowdfunding. Offers 17% E.A. returns with 100% guarantee backing over an 18-month term.
• Duppla Rent-to-own Real estate investment trust enabling investment in diversified residential property portfolios under a rent-to-own model, with expected returns of IPC + 10.5% E.A. over a 5-year horizon. Investment minimum COP $123,000,000.

Quantifiable outcome

• +63,000 registered users
• +1 more outcomes

Named customers5 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

Integration4 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Acciones & Valores S.A. Comisionista de BolsacoreStrategic or Co-development PartnerAcciones & Valores S.A. is Colombia's oldest brokerage firm (65+ years) and a key strategic ally providing collective investment funds (FICs) through MPF Invest. Products include Accival Vista, Accicuenta Conservative/Moderate/Major Risk, FIC Acciones USA VOO (S&P 500 ETF), and Fondo Potencial USA. All products are supervised by the Superintendencia Financiera de Colombia. Acciones & Valores applies ESG criteria and UN PRI principles to investment decisions. MPF Invest is the digital correspondent platform; users become clients of Acciones & Valores upon investment.
• Bloom Crowdfunding S.A.coreStrategic or Co-development PartnerBloom Crowdfunding S.A. is a collaborative financing platform authorized by the Superintendencia Financiera de Colombia. MPF Invest serves as its digital correspondent, providing access to crowdfunding investment products. Bloom connects companies needing capital with investors wanting to invest from low amounts. Includes products like Nazareth (construction credit) and Prealfa. Users are subject to Bloom's terms and consumer defender (Defensor del Consumidor Financiero).
• Koa C.F. (Cooperativa Financiera)coreStrategic or Co-development PartnerKoa C.F. is a financial cooperative providing digital CDT (Certificate of Deposit) products offered through MPF Invest. The CDT Digital is 100% digital, monitored by the Superintendencia Financiera de Colombia, and backed by Fogafín deposit insurance. Rates from 12.6% E.A. (6 months) to 13.35% E.A. (18 months). MPF Invest distributes Koa's CDT products as a technology and distribution partner.
• BlackRock (iShares UCITS ETFs)minorStrategic or Co-development PartnerBlackRock's iShares UCITS ETFs (particularly the VOO ETF tracking the S&P 500) are the underlying assets of the FIC Acciones USA VOO fund offered by Acciones & Valores and distributed through MPF Invest. Per BlackRock regulation, US citizens and permanent residents cannot invest in this fund. BlackRock is the ETF administrator; Acciones & Valores is the local fund manager.
• Duppla (Real Estate Crowdfunding)minorStrategic or Co-development PartnerDuppla is a real estate crowdfunding platform offering rent-to-own residential properties in Colombia. Its DB5 fiducial fund is offered through MPF Invest under the Duppla Rent-to-own product. Investment: COP $123,000,000 with expected returns of IPC + 10.5% E.A. over 5 years. Duppla handles property management, tenant selection, and fiduciary administration. MPF Invest provides distribution access to retail investors.
• TIC (Técnicas Innovadoras Constructoras)minorOthersTIC (Técnicas Innovadoras Constructoras) is a construction company with 10+ years of experience in housing construction. Through Bloom Crowdfunding, TIC seeks financing for the first phase of a priority housing project (80 apartments in Soledad, Atlántico). The Nazareth product on MPF Invest provides construction credit of COP $1,000,000,000 to $5,000,000,000 at 17% E.A. for 18 months, with up to 63 SMLV in government subsidies available to end buyers.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Trii: Trii was a Colombian mobile investment app that aggregated brokerage and treasury products for retail investors using a PLG, fee-only model. Highly comparable to MPF Invest on customer segment, mobile UX, and asset-light aggregation architecture, despite later operational setbacks.
• Wealthsimple: Canadian digital wealth platform offering retail investing, robo-advisory, and education content via a mobile app with curated product selection. Comparable to MPF Invest on the integrated education-plus-investing model, micro-investing positioning, and curated-product aggregator approach.
• Tyba (Credicorp): Tyba is a Colombian digital investment platform acquired by Credicorp (BCP), offering retail investors curated funds and CDTs through a mobile-first experience. Most directly comparable to MPF Invest given shared Colombian market, similar product aggregation model, and overlapping target customer (first-time retail investors).

Broad incumbents

• Betterment: US digital wealth platform offering automated portfolio management, goal-based investing, and curated fund selection with a low-fee, mobile-first UX. Comparable to MPF Invest on the goal-based, curated-product, mobile-only retail wealth thesis, though operating at far greater scale and with proprietary AUM management.
• Wealthfront: US automated wealth management platform offering goal-based portfolios, tax-loss harvesting, and curated fund selection via a mobile/web experience. Comparable to MPF Invest on the goal-based investing thesis, curated fund selection, and mobile-led retail wealth positioning.
• Robinhood: US retail investment platform offering equities, ETFs, options, and retirement products via a mobile app with educational content. Comparable to MPF Invest on the mobile-first, self-serve, retail-investor acquisition motion and curated-content-driven onboarding.

Others

• Acciones & Valores S.A. (direct channel): Acciones & Valores is Colombia's oldest brokerage (65+ years) and MPF Invest's most important product partner, offering FICs, equity brokerage, and treasury products directly to investors. Included as a peer because it is both an upstream ally and a direct competitor for retail investment wallet share in Colombia.

Regional players

• NuInvest (Nubank): Brazilian retail investment platform operated by Nubank, offering FICs, ETFs, fixed income, and private credit via a mobile app to a mass-affluent customer base. Comparable to MPF Invest on LatAm retail investment aggregation, mobile-first UX, and inclusion of alternative-asset products (e.g., private credit).
• Ava (Avista / Chile): Avafin (formerly Avista) is a LatAm digital financial product aggregator distributing investment, savings, and credit products through partner banks. Comparable to MPF Invest on the regulated-partner distribution aggregator architecture for retail financial products in emerging markets.
• GBM (formerly Bursanet): Mexican retail investment platform offering equities, ETFs, mutual funds, and dollar-denominated products through a mobile app with bundled education content. Comparable to MPF Invest on LatAm retail aggregator positioning, education-led onboarding, and curated multi-product experience.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/MPFINVEST
• YouTubeyoutube.com/channel/UCDeOk0MXAy6ETP6244X1SKQ
• Facebookfacebook.com/61561167471678
• LinkedInlinkedin.com/company/mpf-invest
• Instagraminstagram.com/mpf.invest
• TikToktiktok.com/@mpf.invest

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 MPF Invest