Plata

traditional · Mexico City, MX · est. 2023 · open in the directory →

The Tinkoff playbook replayed in Mexico: proprietary core banking + AI risk engine built by 800 STEM hires, 750K first-time cardholders, $800M loan book — LatAm's most valuable private digital bank three years after founding.

Ex-Tinkoff team; fastest digital bank ever to $600M annualized revenue — full Mexican licence as Banco Plata (Mar 2026), 3.5M+ credit-card customers.

The facts

Category	traditional
AI	AI underwriting in production
HQ	Mexico City, MX
Founded	2023
Custody	Custodial
Regulation type	Licensed bank
Licence detail	Full Mexican bank licence (Banco Plata, Mar 2026); Colombia Compañía de Financiamiento authorized
Card	MC · Credit + debit
Cashback	Cashback
Yield	Interest on deposits
Stablecoins	No
KYC	Yes
Active regions	Latin America
Countries	Mexico
Founders	Neri Tollardo (CEO) + ex-Tinkoff team
Funding	$405M Series C at $5B (Apr 2026, Bicycle Capital, QIA, BTG Pactual) — $2B+ debt & equity total

Verified links: official site ↗ · terms ↗ · @bancoplatamx ↗

Early investors

Notable venture and strategic investors from Plata's publicly disclosed funding rounds ($405M Series C at $5B (Apr 2026, Bicycle Capital, QIA, BTG Pactual) — $2B+ debt & equity total).

Bicycle Capital ↗

Qatar Investment Authority ↗

BTG Pactual ↗

Valor Capital Group ↗

Kora ↗

Hedosophia ↗

comparePut Plata side by side with any of the other 373 tracked neobanks in the directory — custody, licence, cashback, yield, stablecoins and geography in one view.

Peers

Wise · Nubank · Banco Inter · PicPay · PagBank · Nequi

Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.