Paguz · 2026
Credit cards, on Colombia's new instant payment system
Shops pay far less to take a card. The money arrives in seconds. We are raising $1 million.
The prize
Cards took decades. Bre-B took six months.
No credit card purchase in Colombia runs on Bre-B today — Nubank is currently running a pilot.
Superfinanciera, FY2025 · Banco de la República, six-month report, April 2026
We put credit on that rail.
Why now
One connection reaches every shop in Colombia
Redeban and Credibanco spent thirty years wiring those shops. Bre-B works with both.
Every shop that already takes cards
Decades of wiring, and money no newcomer could match
Servibanca, our signed partner, is one of only six companies allowed to plug into Bre-B.
The barrier that kept everyone out is gone.
What changes
Two fewer parties take a cut, 50% cheaper on average
Visa, Mastercard, Redeban and Credibanco leave; OpenCard stays.
Today
With Paguz
- T+0 settlement. The shop is paid in seconds, not a day or two.
- The Brazilian model. The issuer charges the cardholder the interchange, not the shop — keeping its margin, minus the network fees.
Fees: Redeban regulatory disclosure, 2026 · Bre-B target, company · Nubank cardholder pricing, public
Everything in that second picture is already built.
Brazil · since 2022
Credit already funds instant payments in Brazil
Seven institutions now offer it: Nubank, Itaú, Bradesco, Banco do Brasil, Santander, Mercado Pago, PicPay.
Adoption of credit over Pix in Brazil
Colombia is the market next door — and ~60% of the people using it have no credit card, the exact market Paguz opens.
Matera Insights national surveys · Brazil · 2024–2025
Where we are
The agreement is signed. The software is built.
A leading financial cooperative is lined up as the first institution to go live.
Alliance status and pilot confirmed by the company, August 2026
Nothing here is still a plan.
Already assembled
Four companies, one signed agreement
We built this group from zero. It is now under contract.
The pipe
Servibanca
One of only six with Bre-B access
The bank
GNB Sudameris
Top ten bank in Colombia
The card system
OpenCard
Runs the cards for banks and cooperatives
Us
Paguz
Builds the software and the AI agents on it
Alliance confirmed by the company, August 2026
You are funding growth, not a search for partners.
How it works
We check the credit, then pay over Bre-B
A purchase runs through our wallet, and the card network never sees it.
Our edge: direct access to the credit core to orchestrate this flow.
Distribution
Five institutions in line, a leading cooperative first
Distribution is not starting from zero: OpenCard already serves these institutions, giving us a direct cross-sell channel.
That is why $1 million is enough.
Team and board
The people who put this deal together
Jorge Hernández
CEO and CTO
Head of AML AI analytics; earlier, director roles in data and risk.
Built AI agents already live in wallets.
Second-time founder.
Federico López
CCO and CFO
At Bancolombia: sales unit and institutional equity desk.
Then CFO of a commercial company: treasury, FX hedging, tax, capital structure.
Second-time founder.
Marcela García
Board, OpenCard CEO
25 years in credit cards, supplying the biggest players
The team has been on both sides of the table: on the commercial side as a provider, and on the decision-making side within the bank.
Next market
Mexico is the next opening
Cards are everywhere and the instant rail already moves 7.3B transfers a year — but CoDI, the plain instant-pay product on top, never caught on.
- Credit is the hook CoDI lacked. We put credit on the rail — cards first, then other credit. Brazil's exact path.
- A new market, not a new product. The same stack, one more connection.
Banco de México, 2025 · card and CoDI figures, industry data 2024–2025
The same playbook, one country over.
The ask
$1 million for 20%
The raise funds one thing — onboarding issuers onto Bre-B, using distribution we already have.
- The money buys distribution. OpenCard already supplies Colombia's card issuers — we turn those clients into live Bre-B issuers, one connection at a time. No cold start.
- We charge a flat fee per payment. COP 50–100 on every credit-funded transaction, whatever the ticket — so revenue grows with the count.
- We take no credit risk. The institution lends off its own balance sheet; we run the rail and collect the fee.
Fee COP 50–100 per payment, whatever the ticket