Top 35 Financial Services Startup Investors in Costa Rica (September 2026)

Portfolio highlights

• Slik — Slik es la plataforma para medir, analizar y accionar la Experiencia y Compromiso del Empleado en tiempo real.
• Snap Compliance — We are a RegTech SaaS. We facilitate access to Anti-Money Laundering Monitoring, Operational Risk Management and Compliance Systems Management through a centralized and collaborative platform available to everyone, we seek to positively impact 100,000 companies by 2030.
• Wheel the World — Wheel the World is a social startup with the purpose of making the world accessible. By building a cutting-edge model of accessibility data, which is extracted, organized, and displayed on www.gowheeltheworld.com, we allow people with disabilities to find and book accessible travel experiences including hotels, tours, and activities with theaccessibility information they need in the most amazing destinations in the world.We believe that people with disabilities should experience the world like anyone else. Governments, travel companies, and tourism professionals are all joining the accessible travel movement given the exponential growth of people with disabilities traveling around the world. Our commitment is to provide detailed information about what is accessible and specialized customer support involved through the entire experience.An accessible destination is a combination of accessible accommodation, transportation, and activities. This is why we are partnering with local travel businesses creating 100% accessible services together that we offer online. We want to allow millions of people to travel to thousands of destinations!

Portfolio highlights

• Soyio — Gestiona consentimiento, identidad y derechos de titulares con trazabilidad auditable. Registra actividades de tratamiento con IA. Cumple la ley 21.719.
• Bruna by Altum Lab — AltumLab is a startup led by women, which allows to improve production processes with algorithms based on Artificial Intelligence. Bruna, is our SaaS platform, it is capable of reducing the use of energy resources; predict the quality and characteristics of finished products according to their raw materials; optimize the use of machines in theoperation and provide insights to make strategic production decisions in the short and medium term. It has been supported by various government and private funds
• Radar Treasury — Radar helps companies in Latin America to perform their bank transfers without human intervention. Radar created the first payouts to bank accounts API in Chile.

Portfolio highlights

• Tumoni — Tumoni is a fintech company that offers digital banking services through free remittances.
• Paggo — Providing access to mobile payments for SME's through an app and mPOS that accepts debit and credit cards, create link payments for e-commerce, will come with a historical sales dashboard and financial ratios
• Ábaco — Ábaco is a fintech company that offers financial services with capital, payments & platform solutions.

Portfolio highlights

• Postearly — Write, chat, generate images, create audio and video, and run AI workflows in one flexible workspace.
• Snap Compliance — We are a RegTech SaaS. We facilitate access to Anti-Money Laundering Monitoring, Operational Risk Management and Compliance Systems Management through a centralized and collaborative platform available to everyone, we seek to positively impact 100,000 companies by 2030.
• Extinguisher 360 — SaaS, PropTech, Compliance

Portfolio highlights

• Movii — Movii aims to reduce inequality by providing access to financial services to the unbanked population through the use of new technologies.
• Tienda Pago — Tienda Pago is the merchant support platform that facilitates your weekly merchandise purchase to distributors. It is the result of years of experience of a team of experts whose objective is to promote ecosystems where all participants, both distributors and traders, benefit from the service and proactively motivate other participants to join thesystem.
• VU — Sebastián Stranieri, is CEO and founder of VU Inc, a multinational company that provides secure and frictionless digital experiences for more than 350 million people over the world. Passionate about technology, he has more than two decades of experience in the cybersecurity industry. His career has always been driven by the desire to innovate insafer solutions that improve the quality of life of citizens and companies, and that is how VU was born. VU focuses on the new concept of “online persona” providing robust identity verification for its users, which allows a more holistic authentication paradigm. Through the combination of traditional cybersecurity controls with geolocation, biometrics and user behavior analysis based on machine learning, VU enables a continuous authentication process where the user is seen as a whole, rather than a set of credentials. In July 2021, VU announced a $12 million Series B funding round with investors such as Globant and Telefonica. Sebastian, is also an Endeavor entrepreneur, he was recognized by MIT Technology Review magazine in 2013 and selected by Forbes Argentina as one of the 30 Promises in 2017. His passion for what he does led him to win the Sadosky Award for Entrepreneur of the Year for the Chamber of the Argentine Software Industry (CESSI) in 2019. VU received several recognitions, such as: Cybersecurity Ventures ranking 500, Santander’s X100 and VISA - La Nación’s Innovation Award, in the category of payment methods and cybersecurity for developing new business models in financial services through the use of technology that mark socioeconomic trends, changes in consumption habits and payment methods and also improve the security of transactions, among many acknowledgments from Microsoft as partners and for our technology, such as: AI Latam Partner of the Year (2021), Global Finalists in IA and Government (2021) and Country Partner of the Year (Argentina, 2019 and Bolivia, 2020)

Portfolio highlights

• Instanda — Instanda is a provider of a no-code core insurance platform that allows insurance companies to build, configure, and launch products online. The company's platform digitizes the complex insurance value chain with its core digital PAS and an interface that allows business users to innovate, manage, and distribute insurance products.Founded in2012, Instanda is headquartered in London, England.
• Rail Online — At www.rail.online, customers in Europe, Australia and throughout the world can search for terrific deals on train tickets knowing they'll find the best prices and knowledgeable customer service staff all in one place.
• maison blanche — maison blanche is an avant-garde swiss fashion label. high-end collections at the intersection of culture, innovation and circular design. rooted in socio-political ideas and inclusivity.

Portfolio highlights

• Shorta — Descubre series cortas de drama, comedia, romance y suspenso en Shorta y empieza a ver hoy mismo, con nuevos episodios cada semana.
• NanoCo AI — A professional assistant that gets work done. Lives in Slack or Teams, connects to email, calendar and other workspace tools
• Veria Labs — Real security for your application in hours, not weeks

Portfolio highlights

• Obsidiam — Obsidiam is a fintech company that leverages blockchain technology to provide financial and commercial services in Latin America. Its services include cryptocurrency custody, exchange, escrow, and payments. The firm is based in San José, Costa Rica, and within the jurisdiction of Free Trade Zone companies. Obsidiam’s goal is to be a promoter ofblockchain technology for the benefit and inclusion of the Latin American community. Through its products, Obsidiam offers an ecosystem that allows users access and usability of cryptocurrencies as an investment tool, and most importantly, in their everyday lives: paying for goods and services, sending payments to friends and family, cashing in, and cashing out.

Portfolio highlights

• LIFT — Investing in Families to Break the Cycle of Poverty
• California Competes — California Competes is a nonpartisan policy and research organization for critical higher education and workforce issues
• American Council on Education — The American Council on Education (ACE) is a membership organization that mobilizes the higher education community to shape effective public policy and foster innovative, high-quality practice.

Portfolio highlights

• Bacu — Bacu provides restaurant technology and offer a comfort food concept.
• Motai —
• Latú Seguros — We are a start-up focused on providing business insurance, on a mission to empower business owners to change the world.

Portfolio highlights

• Yellow Card — Yellow Card is a licensed stablecoin payments infrastructure provider powering global money movement across USD and 50+ local currencies. Talk to us.
• Blueprint Finance — Blueprint Finance develops protocols and infrastructure to advance on-chain financing.
• M0 —

Portfolio highlights

• Solfium — Solfium is a one-of-a-kind solar energy company dedicated to providing the best solutions for your house, business, or industry. Everything we do is driven by the desire to provide you with the greatest possible experience.
• RAY — RAY is the #1 sales platform helping restaurant owners attract more customers, grow revenue from no commission orders, direct bookings and more walk-ins
• Seenapse — Seenapse is an inspiration engine. It helps you to get more and better ideas, faster. While search engines return the most obvious, linear, and popular results (all of which are the opposite of what you need for ideation), Seenapse returns divergent, non-obvious results that can trigger the Eureka moment you are looking for.Think of it as aGoogle for divergent results.

Portfolio highlights

• IMPESA — PCI-DSS certified. #MonibyteApp is the only app with a CryptoWallet and card controls! Kipo partnership with #PayPal. Monibyte for Business for corporations.
• Levita Magnetics — As a medical device start up, Levita Magnetics is passionate about developing innovative magnetic surgical platforms that serve as a catalyst in the continued evolution of less invasive surgery.The company's mission is to enhance patient outcomes by minimizing the footprint of surgical procedures across multiple indications and broadpatient populations. It's innovative magnetic surgical platform, called Magnetic Surgery®, is the next step in the evolution of less invasive surgery.

Portfolio highlights

• Coinpay.cr — Coinpay is the leading blockchain marketplace with a Crypto Exchange and Traded Wallet solution in the region. It was founded in Costa Rica in 2016 and offers an Ecosystem of blockchain services such as Exchange, Cards, Money Remittance, Escrow services and OTC thanks to its on site development team.
• ULTIMATE RECYCLER by Kashong LLC — Elimination of garbage landfills, forever, worldwide. ULTIMATE RECYCLER = 100% clean, Paris Agreement-compliant, total remediation of all post-recycled landfill waste and other toxic non-landfill materials while generating clean renewable electricity for local power grids. No incineration or combustion, no air effluents. Createswell-paid labor union jobs at each location. All processes commercially tested and patented. *** The ultimate "impact investment" -- Our company operates with "quadruple bottom-line" goals: (1) assist cash-poor municipalities, (2) create well-paid labor union jobs, and (3) provide a solid rate of return to our investing partners, all with the (4) cleanest & greenest, commercially-proven 21st century systems available. *** Partner inquires welcome.

Portfolio highlights

• Athos — Athos uses EMG real-time biofeedback to help you go from guessing to knowing if you are performing at your best. #BuildBetterAthletes
• Tennr — Tennr is a custom AI assistant that accelerates research, answers complex questions, and generates custom reports.
• Fresh Nation — Fresh Nation is an enterprise-level B2B wholesale marketplace and management platform for the retail grocery industry, operationalizing local and specialty food assortments for the nation’s largest retailers and distributors. Fresh Nation’s proprietary Virtual Supply Chain™ platform simplifies the complexity of working with thousands of smallvendors, saving time and cutting costs. Incorporating a vendor and product rich CRM, interactive supplier portal, order management suite, accounting and invoicing tools, and flexible EDI/API integrations, Fresh Nation is becoming the grocery industry standard for enterprise specialty food management.

Portfolio highlights

• AKEDO — The vibe coding Content Creation Engine and Launchpad Backed by @Karatage_, @Sfermion_, @Collab_Currency https://t.co/PA0vYr1Oeo
• SODA — SODA enables the next generation of consumer crypto and meme coins and allows meme coin developers to leverage Telegram.
• Yet Another — We accelerate the roadmap of Ethereum by making proof verification faster and cheaper. We can verify proofs for 10% of the cost.

Portfolio highlights

• Braven — Braven turns every submission into a pre-analyzed, traceable decision, and every book into a live, provable view. Built for MGAs and reinsurers that do their own underwriting.
• Jelt — HealthTech B2B Marketplace
• Brick — Brick Seguros offers security solutions and insurance services to car rental companies. It provides digital inspection and background check to help customers avoid fraud. Brick Seguros is based in Curitiba, Panama.

Portfolio highlights

• Dehurdle — Practice high-stakes conversations with real-time AI. Instant speaking pace and competency feedback with zero voice storage.
• Vireo Capital — Vireo provides software for deal diligence, fund administration, and portfolio monitoring at private market investment firms.
• Hyperbond Studio — Hyperbond Studio builds AI-driven games and interactive experiences, including the Call Me Sensei app. We combine technology and emotion to create unforgettable digital worlds.

Portfolio highlights

• Taqtics — Taqtics is a software development company that offers a comprehensive solution for retail and restaurant operations. The software includes features for workflow management, attendance tracking, and more. It is designed to boost business performance by empowering frontline teams with the necessary skills. The platform is available on both web andmobile, making it accessible and convenient for users. The company's size is between 11-50 employees, indicating a focused and dedicated team working towards providing effective solutions for their clients.
• Axelar Network — Axelar is the multichain platform that unifies Web3 for developers, delivering applications from any blockchain to every user, easily.
• Breakout — Breakout is a crypto-native prop business that trades on the most liquid centralized exchanges.

Portfolio highlights

• Obsidiam — Obsidiam is a fintech company that leverages blockchain technology to provide financial and commercial services in Latin America. Its services include cryptocurrency custody, exchange, escrow, and payments. The firm is based in San José, Costa Rica, and within the jurisdiction of Free Trade Zone companies. Obsidiam’s goal is to be a promoter ofblockchain technology for the benefit and inclusion of the Latin American community. Through its products, Obsidiam offers an ecosystem that allows users access and usability of cryptocurrencies as an investment tool, and most importantly, in their everyday lives: paying for goods and services, sending payments to friends and family, cashing in, and cashing out.
• Payments Way Solutions — Payments Way Solutions SAS is a Fintech company established in 2017, specializing in providing comprehensive payment solutions. The company offers a range of services including mobile applications, payment gateways, and POS terminals to facilitate seamless transactions for businesses. With a focus on innovation and technology, Payments WaySolutions SAS aims to enhance the efficiency of financial transactions in the digital age. Catering to a diverse clientele, the company is committed to delivering secure, efficient, and user-friendly payment solutions. With a team of 50 employees, Payments Way Solutions SAS continues to expand its services to meet the evolving needs of the financial services industry.

Portfolio highlights

• Lemon Cash — Lemon Cash is digital wallet with FIAT and crypto capabilities. End to end digital ecosystem for Latin America.
• Electron — TEE & ZK Proof Aggregation. Backed by Stake Capital, Gnosis, Lambda Class, Legion
• Ethereum Institutional — Accelerating institutional adoption of Ethereum

Portfolio highlights

• OpenPad AI — OpenPad - The 1st AI Decentralized Launchpad
• Time Universe — Token unified consumer ecosystem across social, gaming, and creator infrastructure
• Gambit Markets — Social + AI layer for prediction markets. Built on @robinhoodcrypto with $USDG deposits & settlement. Trade smarter with AI agents, combos & social insights.

Portfolio highlights

• fidu — Fidu aims to develop a new operating system specifically for LatAm schools enabling institutions to digitally handle everything from finances to school-wide announcements

Portfolio highlights

• Apurata — Prestamos personales hasta S/1,000.00 rapidisimos y convenientes! Sin historia de credito, sin aval, ni prenda. Aplica con tu DNI y Cuenta Bancaria.
• BlazingDB — We decided to create a new way of learning to make it attractive, flexible, and accessible to as many people as possible. Since then, we've helped millions of people around the world unlock modern technical skills and reach their full potential with code.
• Snap Compliance — We are a RegTech SaaS. We facilitate access to Anti-Money Laundering Monitoring, Operational Risk Management and Compliance Systems Management through a centralized and collaborative platform available to everyone, we seek to positively impact 100,000 companies by 2030.

Portfolio highlights

• NextUI — Beautiful, fast and modern React UI Library
• StackAI — Stack AI supercharges businesses. Deploy AI-powered applications in minutes, automate processes, and skyrocket productivity by connecting LLMs to data sources using Stack AI's no-code platform. Export your work with user-centric interfaces (chatbots and forms) and developer-friendly APIs.
• Reforged Labs — Reforged Labs has closed. After three years, we have made the decision to close Reforged Labs.

Portfolio highlights

• Motai —
• Wizzer — Wizzer is an AI-driven parenting copilot that provides guidance through highly personalized multi-modal conversations.
• fidu — Fidu aims to develop a new operating system specifically for LatAm schools enabling institutions to digitally handle everything from finances to school-wide announcements

Portfolio highlights

• Caliza — Give your users access to the digital dollar economy. Get early access!
• fidu — Fidu aims to develop a new operating system specifically for LatAm schools enabling institutions to digitally handle everything from finances to school-wide announcements
• Vaas — Vaas is a private credit infrastructure platform that automates asset verification, servicing, and operations for asset backed financing.

Portfolio highlights

• WECO Protocol — WECO Protocol turns real-world assets into opportunities, empowering peopl as stakeholders. With AI and blockchain, we make ownership simple and rewarding

Portfolio highlights

• Mana.bio — Mana.bio is an AI based drug delivery startup, focusing on gene therapy including RNA and DNA-based therapeutics and vaccines
• Gizmo — AI quizzes that help you learn and remember anything
• Stoke Space — STOKE Space Technologies seamlessly connecting earth and space.

Portfolio highlights

• M-KOPA — M-KOPA provides connected asset financing solutions for underbanked customers. Its platform combines digital micropayments and IoT connectivity to offer access to products including solar lighting, televisions, fridges, smartphones, financial services, and more.
• MSU Green Energy — MSU Green Energy is a solar investment company that develops renewable energy and solar projects.
• ETG — ETG, established in 1967, is one of the largest and fastest growing integrated agricultural conglomerates in sub-Saharan Africa, importing and exporting soft commodities to and from 48 countries including Tanzania, Kenya, Malawi, Mozambique, Nigeria and South Africa. It also has supply chain operations in China, India, America, Middle East, andSouth East Asia; merchandising desks in Europe, and; treasury companies in Singapore, Mauritius and UAE. Globally, ETG is present across 48 countries. ETG runs its business under five business verticals: 1. Fertilizer and Farm Inputs: ETG is one of the largest importers and distributors of fertilizers and farm inputs in sub-saharan africa 2. Cash traded products: Pulses, Sesame seed, Cashew and Rice are key commodities in this vertical. ETG is the world largest trader and processor of Pulses as well as world largest trader for raw cashew nuts. 3. Exchange traded commodities: Grains & oilseeds, sugar, coffee, cocoa, maize and soybean are key products in this segment. ETG is one of the major players for maize and soybean in sub-shara africa 4. Consumer Branded (Vamara): ETG operates multiple processing plants across 14 countries to manufacture products that are targeted to African consumers. ETG has 22 brands in its portfolio that offers products from vegetable cooking oil, condiments, and spreads, etc. 5. Logistics: ETG operates a very successful and integrated Logistics platform. ETG has a network of more than 400+ warehouses across 32 countries and a fleet of more than 900 trucks. ETG provided end-to-end Logistics services across sub-Sahara Africa.

Portfolio highlights

• Yet Another — We accelerate the roadmap of Ethereum by making proof verification faster and cheaper. We can verify proofs for 10% of the cost.

Portfolio highlights

• WECO Protocol — WECO Protocol turns real-world assets into opportunities, empowering peopl as stakeholders. With AI and blockchain, we make ownership simple and rewarding

Portfolio highlights

• Hemi Labs — Hemi (https://hemi.xyz) is a modular protocol that integrates Bitcoin and Ethereum to amplify and extend the core capabilities of the two leading blockchain networks. This offers a novel perspective on blockchain interoperability and scaling by approaching Bitcoin and Ethereum as components of a single supernetwork. The result providessecurity that exceeds that of Bitcoin (“superfinality”) and new levels of blockchain programmability, portability, and potential. Hemi was co-founded by Jeff Garzik (former Bitcoin core developer) and Max Sanchez (inventor of the Proof-of-Proof consensus protocol), and is surrounded by a team of renowned blockchain engineers, strategic partners and investors.
• Sapien — Sapien offers Data Labelling Services with RLHF to fine-tune your LLMs potential. Improve model performance with better data to improve outcomes. Consult us now!
• Movement Labs — Movement Labs is on a mission to create a global community of Move Builders, working together to improve decentralized network user experience.

Portfolio highlights

• Cashaa — Receive, earn, borrow, and send crypto easily with 0% interest loans and high returns on digital assets. Manage your crypto effortlessly today!
• Defi11 — Defi11 is a new-gen true decentralized fantasy gaming platform.

Portfolio highlights

• Cashaa — Receive, earn, borrow, and send crypto easily with 0% interest loans and high returns on digital assets. Manage your crypto effortlessly today!