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viguerapablo

30 karma · joined February 3, 2016

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viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
At the moment only in English. We've seen that most developers we work with are generally OK using English-based documentation to code. We might look to broaden that to Spanish and Portuguese down the line but it's not an immediate priority.
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Amazing. Sure, feel free to email me / us at pablo[at] or hello[at] and happy to discuss further.
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Cool - thanks. Happy to chat further. Is your product mostly UK/Europe based or you also have an active client base in Latam?
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
We are starting with the banks with most coverage - so think Davivienda, Bancolombia, Banco de Bogotá, etc. We'll be looking to have quite a few go live soon. Good point on 2FA/MFA. We have built our API so it can fully account for those in the connection flow. More info here --> https://developers.belvo.co/docs/handling-2-factor-authentic...
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Did you have an issue when typing in your url? Do you recall what the error message was? We do have a url validation in that form that requires https:// Typing in www. will give you an error.
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Thanks for the feedback!
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Our product / tech team is mostly based in Barcelona (early team at least) but we'll actively grow our tech team in Latam as well - mostly Mexico City. Happy to get connected to folks you might think would be a good fit. :)
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Partnering with banks you mean? Yeah, banks are slow to move but in Latam they're also pretty keen to partner up with fintechs if they see a win/win.

We work on the premise of end-users granting us permission to access and share the data they want for the means/apps they want. So there're an opt-in here. There's no general legal framework against this.

viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Yeah, we know the guys at Plaid pretty well and we're big fans of the infrastructure they have created for fintechs and new financial services.
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Thanks! We don't yet support NuBank, but it's on the list for sure - both for Mexico (where it launched a month ago) and for Brazil (where we'll look to expand soon). We do plan on adding neobanks and other financial data sources to our API though. Although we typically work in a "data source agnostic" way, we also spend time building up relationships and looking to get directly connected via partnerships.
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Thanks!
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Similar to TrueLayer yes, more tailored to the local market in terms of bancarisation % and status of open banking regulation (not existent).

Maybe this helps to understand our authentication flow --> https://developers.belvo.co/docs/connect-widget

I totally agree with you. Trust is key. We work hand-in-hand with our partners to build this and educate the market as we grow. In general, all of our products, widgets, sdks, etc. are delivered completely white-label so that we can leverage the trust already existing between end-user and the fintech he/she is interacting with. We're also working with the regulator and other stakeholders to build and drive the education towards open banking for the market as a whole. It's a very long-term process :)

viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
We did post this originally 24h ago but took it down a few minutes later to refine it and post again today. This should be the good post. Cheers!
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
It's similar in a way, yes. We have clients that are just like Mint for the Latam market.
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
We always try to do our dev work and connect to both the website and the app. In many (most) instances, though, in Latam going via web is the only way forward. That being said, we actively work with banks to partner up and establish direct connections too.
viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Thanks for the feedback.

We're constantly improving the institutions page. I agree that adding the url to the bank / entity would be helpful.

The homepage for the developer portal you mean? We put it together using read.me as a first iteration but as we improve the product we'll also polish this up with a more customised UI.

viguerapablo··on Launch HN: Belvo (YC W20) – Financial Data API Platform for Latin America
Thanks for the note - totally right!