Kapital Grupo Financiero becomes the first AI unicorn in Latin America after doubling its valuation.

Kapital Grupo Financiero announced the closing of a Series C financing round for $86 million , approximately 342 billion pesos, doubling its valuation to $1.3 billion and consolidating its position as the first artificial intelligence unicorn in Latin America.

The round was led by Tribe Capital and co-led by Pelion Ventures, with participation from Y Combinator, Marbruck Ventures, and True Arrow. According to the company, the capital will accelerate the construction of its unified, artificial intelligence-based financial ecosystem focused on regional companies.

Kapital was conceived as a technology bank, built from the ground up with its own financial infrastructure and banking license. This has allowed it to acquire traditional institutions, replace their platforms, and migrate them to its system.

Currently, the unicorn reports a balance sheet of $3 billion and a customer base of 300,000 in Colombia, Mexico, and the United States.

René Saul, CEO and co-founder, noted that the combination of a banking license and proprietary software has been key to achieving profitability in less than two years.

“We are very proud to join the small group of unicorns emerging in Latin America. Kapital Grupo Financiero reached profitability in less than two years, and our growth continues to accelerate thanks to the unique combination of a banking license and proprietary software ,” said René Saul, CEO and co-founder of Kapital Grupo Financiero.

"By adopting a regulatory approach from the outset and ensuring that every step of our expansion is aligned with government regulations , Kapital Grupo Financiero is setting a new standard for technology banking in the region," said the CEO of the unicorn startup.

For his part, Fernando Sandoval, CFO, indicated that the company's model is supported by advanced AML/KYC compliance, machine learning, and AI-powered risk systems, which strengthens its position against fintechs without a banking license.

“What makes our model possible is not just capital, but our ability to modernize our infrastructure through advanced AML/KYC compliance , machine learning, and AI-powered risk systems. Kapital Grupo Financiero is consolidating its position as the most visionary technology bank in the region, built on a foundation both financial and technological, designed to multiply advantages with each product, acquisition, and client we add to the platform,” added Fernando Sandoval, the company's CFO.

Kapital has been recognized as a Technology Pioneer by the World Economic Forum in 2024 and 2025, and was included in the CNBC Disruptor 50 list in 2024.

The term unicorn may sound strange to many, but the definition corresponds to a fintech startup or financial technology emerging company that has reached a valuation of more than $1 billion without even having listed on a stock market.

The term "unicorn" was coined by investor Aileen Lee to refer to these high-growth technology companies that operate in disruptive markets and offer innovative solutions to financial problems, such as digital payments or investment platforms.