Belvo, the leading open finance platform in Latin America, has announced the launch of its new Intelligent Ecosystem today. This release combines advanced AI-driven decision-making tools with a completely refreshed brand identity to mark the company's transition to an AI-first partner. The strategic move aims to embed automated decision-making directly into the open finance landscape, allowing businesses to move from data observation to financial execution in milliseconds.
A Shift from Connectivity to Intelligence
Since its inception, Belvo has focused on democratizing access to financial information across the region. However, the company recognizes that simple access is no longer sufficient in the current competitive landscape. With this announcement, the platform evolves from a connectivity channel into an analytical brain that powers the next generation of financial services.
Pablo Viguera, co-founder and co-CEO, explained that while their initial vision was to make open finance data simple and reliable, the focus has now expanded. The new capabilities help companies transition from insight to execution instantly, significantly improving recovery rates and generating measurable return on investment. This evolution reflects the security and precision required for the next chapter of open finance infrastructure.
Overcoming Industry Friction with AI
Despite the rapid growth of open finance in Mexico and Latin America, the sector has faced significant operational friction regarding data interpretation. Standard analysis often fails to provide a complete financial picture, forcing engineering teams to spend countless hours on complex integrations and manual data cleaning. Belvo’s new AI layer sits atop this infrastructure to resolve these challenges and reduce payment failures.
This technology is particularly relevant for lending institutions that need to analyze credit history through a multidimensional lens. Instead of relying solely on traditional bureau data, lenders can now understand income patterns and real-time cash flows to assess risk more accurately. This approach enables previously rejected individuals to access financing based on their actual financial behavior captured through open finance.
Enhancing Operational Performance
The ecosystem aims to reduce the time required to extract conclusions from data by a factor of ten, effectively solving analytics bottlenecks. It allows for the rapid deployment of custom API endpoints and specific business logic, enabling companies to integrate tailored intelligence into existing workflows. Belvo is transforming rigid communication systems into flexible tools that meet the exact needs of every client.
Financial behavioral intelligence identifies the optimal moment to activate collections and automates empathetic negotiations through advanced AI agents. This innovation has demonstrated an increase of up to 20 percent in portfolio recovery rates while significantly reducing operational expenses. Partners have already reported a 50 percent reduction in credit risk and a substantial increase in assigned loan amounts since deploying these proprietary models.
Regional Scale and Market Impact
This technological evolution is supported by a year of unprecedented growth for the company across the Latin American market. Belvo currently powers more than 80 million connected accounts and processes over one billion dollars in annualized total payment volume. In Brazil alone, the platform manages more than 10 percent of all Open Finance consents, providing the massive datasets needed to train precise predictive models.
The company has consolidated its position as a trusted partner for major market players in both Mexico and Brazil. Belvo works with top-tier institutions like BBVA, Banamex, and Inter, as well as leading platforms such as Mercado Pago and Creditas. These collaborations highlight the broad applicability of the new tools across traditional banking, fintech, and enterprise sectors.
The launch of these AI capabilities coincides with a renewed brand identity that reflects the industry's move toward enterprise-grade standards. Built on concepts of clarity and efficiency, this visual evolution underscores the commitment to converting financial data noise into high-precision workflows. As regulations mature, the ability to turn compliance-driven access into commercial value will define the future of financial infrastructure in the region.