BKAYA S.A.P.I. de C.V.

What BKAYA S.A.P.I. de C.V. does

BKAYA S.A.P.I. de C.V. is a Mexican private technology company that provides embedded finance infrastructure for enterprises serving underserved consumers in Mexico. Founded in 2019 and headquartered in Mexico City, the company operates a non-regulated S.A.P.I. de C.V. entity and partners with Consubanco S.A. Institución de Banca Múltiple for regulated banking activities. Bkaya's platform comprises four modular solution layers: a white-label super-app (Ecosistema Financiero), Lending-as-a-Service, direct Embedded Finance integrations, and an API consumption layer exposing 400+ APIs. The underlying technology stack is AI-driven, including a machine-learning credit risk engine tuned for thin-file Mexican consumers and an ML-augmented collections back-office, with infrastructure handling 330M+ monthly transactions and 2–3 weekly platform improvements.

The company's go-to-market is enterprise B2B, monetizing through technology licensing/royalties, revenue share on credit origination, and transaction processing fees, with custom multi-year enterprise contracts and undisclosed pricing. Bkaya's named customer base includes Uber (mobility), Waldo's One and Chedraui Pago (retail), Volana (logistics), and the in-house Bankaya brand operated with Consubanco. The platform integrates ten financial product modules — personal loans, BNPL, cell phone/tablet financing, airtime, service payments, rewards, remittances, and Consubanco-issued deposit accounts and VISA cards. As of available data, Bkaya reports 2M+ accumulated users, 150,000+ active Uber drivers, 50M+ MXN auto-disbursed to drivers, and 100,000+ credits originated; independent impact measurement by 60 Decibels reported that 72% of customers experienced improved quality of life and 79% improved financial management. The company does not disclose revenue, funding rounds, or ownership structure.

Name

BKAYA S.A.P.I. de C.V.

Legal name

BKAYA S.A.P.I. de C.V.

Website

https://bkaya.com.mx

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

BKAYA is a Mexican embedded finance technology company that provides AI-powered white-label lending, payments, and API infrastructure enabling enterprises to offer credit and financial products to underserved Mexican consumers.

Ownership category

akta.pro rank

Product category

Embedded Finance Infrastructure

NAICS

Sales Financing (52222)

SIC

Finance Services (6199)

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industry

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• Embedded finance platform
• Lending-as-a-service
• White-label fintech
• Credit risk APIs
• Consumer credit technology

Headquarters

HQ city

Mexico City

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform/Technology Licensing: White-label infrastructure and technology licensing to enterprise partners who want to offer financial products under their own brand. Includes access to APIs, credit models, and operational support.
2. Credit Originiation Revenue Share: Revenue sharing arrangements with partners where Bkaya enables lending and BNPL products, sharing in the financing upside or revenue generated from financial products.
3. Transaction Processing: Processing fees from financial transactions including bill payments, airtime recharges, remittances, and other payment services.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Bkaya provides modular embedded finance technology infrastructure for businesses in Mexico, including white-label super-apps, lending-as-a-service, embedded finance integrations, and more than 400 APIs. The platform enables enterprises to offer credit, BNPL, payments, and rewards to their end users without building financial infrastructure from scratch. AI-powered credit risk models specifically optimized for Mexico's unbanked and underserved populations underlie the platform, enabling accurate evaluation of consumers who lack traditional credit histories.

Product overview

Bkaya is a modular embedded finance platform offering four core solution types: (1) Super-app Financial Ecosystem — a complete white-label financial application with credit, BNPL, rewards, and service payments; (2) Lending-as-a-Service — end-to-end credit infrastructure including risk models and collections; (3) Embedded Finance — direct API integration enabling partners to embed financial products; and (4) API Consumption — access to 400+ financial APIs. The platform powers 10 integrated financial products including Personal Loans, BNPL, Cell Phone/Tablet Financing, Airtime Recharge, Service Payments, Remittances, and Consubanco alliance products. Built on AI-powered risk assessment using machine learning, the platform has served 2+ million accumulated users across partnerships with companies like Uber, Waldo's, Chedraui, and Volana.

Differentiator

Problem solved

Functional benefit

Products and services

• Ecosistema Financiero (Super-app) A complete white-label financial super-app integrated with partner products or services, including credit products, customer loyalty solutions, rewards linked to the business, and other financial products such as BNPL, cash loans, cell phone credits, airtime recharges, and service payments. Designed for enterprise partners who want to launch a full-stack financial experience under their own brand.
• Lending-as-a-Service End-to-end credit infrastructure that enables partners to originate their own loans, including white-label app deployment, personalized risk models, loan origination and in-app payments, data exchange, and an ML-supported collections back-office, all operated under the partner's brand.
• Finanzas Embebidas (Embedded Finance) Direct financial integration with a partner's products or services to enable personalized credit, improve conversion, and support retention via income-linked rewards. Includes BNPL tied to inventory, automatic collections applied to income (e.g., Uber driver earnings), and connectivity with rewards and cashback schemes tied to the partner's business.
• Consumo de APIs (API Consumption) API consumption solution that lets partners easily integrate key financial functionalities—including credit payments, rewards, onboarding, airtime, service payments, and more—into their own applications or POS systems via more than 400 active and managed APIs backed by a scalable, secure infrastructure.

Quantifiable outcome

• 2M+ accumulated users served across all partner platforms
• +6 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

Three partnerships are on record, tiered minor and flagship.

• 60 DecibelsminorOthers · 1 January 2023Global impact measurement organization that conducted independent customer interviews to measure Bkaya's social impact including quality of life improvements, financial wellbeing, and customer satisfaction.
• Consubanco S.A. Institución de Banca MúltipleflagshipStrategic or Co-development Partner · 1 January 2020Consubanco is a regulated financial institution authorized by CNBV (National Banking and Securities Commission). Bkaya partners with Consubanco to launch financial products, with Consubanco operating the regulated banking side (deposits, savings accounts) while Bkaya provides the technology infrastructure. Bankaya brand is registered to Consubanco.
• UberflagshipStrategic or Co-development Partner · 1 January 2019Comprehensive embedded finance solution for Uber drivers and couriers including cell phone financing, personal loans, bill payments, airtime, and automatic loan repayment from earnings. Over 150,000 active drivers benefited with 50M+ MXN disbursed and 100,000+ credits originated.

Scale indicators12 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Konfío: Konfío is one of Mexico's largest digital lending platforms for SMEs and consumers, with embedded risk models — a broader incumbent comparable to Bkaya's lending-as-a-service stack, but operating at significantly larger scale and with its own proprietary funding.
• Mercado Pago: Mercado Pago is the dominant payments and embedded-credit platform in Mexico and LatAm, offering loans, BNPL, and accounts to MercadoLibre merchants and consumers — a much larger incumbent with overlapping credit, payments, and white-label capabilities.

Direct peers

• Kueski: Kueski is a Mexican fintech offering online personal loans and BNPL to underserved consumers — directly overlapping with Bkaya's target customer base (unbanked Mexicans) and product suite (personal loans, BNPL). It is the most direct domestic peer on the consumer-credit side.
• Belvo: Belvo is a Mexico- and Brazil-based open-finance API platform providing financial data and payment infrastructure — closely comparable to Bkaya's 400+ API stack and BaaS positioning, though focused more on data connectivity than credit underwriting.
• Pomelo: Pomelo is a LatAm embedded-finance / BaaS platform enabling businesses to issue cards, accounts, and lending products via APIs — directly comparable to Bkaya's BaaS model, with broader geographic footprint across multiple LatAm countries.
• Stori: Stori issues credit cards to underbanked Mexicans using ML underwriting — highly comparable to Bkaya's AI-driven credit risk engine targeting thin-file populations. Same geography, same customer persona, same underwriting thesis.
• Aplazo: Aplazo is a Mexican BNPL platform focused on underserved consumers at the point of sale — directly comparable to Bkaya's BNPL module and embedded-finance retail integrations with partners like Waldo's and Chedraui.
• Albo: Albo is a Mexican challenger bank / BaaS provider offering account, card, and lending infrastructure to businesses — closely comparable to Bkaya's white-label super-app and Consubanco-style sponsor-bank model in the Mexican market.

Emerging players

• Clara: Clara is a Mexican B2B spend-management and embedded-finance startup offering corporate cards and credit infrastructure — comparable to Bkaya's BaaS ambition but focused on B2B spend rather than consumer credit.
• Nimbus: Nimbus is an emerging Mexican BaaS platform enabling businesses to offer financial products — comparable to Bkaya's white-label infrastructure model, though at an earlier stage and narrower product set.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bkaya

Revenue estimate

Valuation estimate

Number of profiles

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 BKAYA S.A.P.I. de C.V.