Ethospay

Grupo Ethospay is a Mexican fintech group founded in 2022 that develops and operates fully digital financial products and technological solutions leveraging artificial intelligence. The company serves individuals, small and medium-sized enterprises, banks, insurance companies, and local and multinational corporations. Grupo Ethospay operates through multiple business lines, including credit products via its SOFOM subsidiary BONDEFI (operating as Ethos Crédito) and payment solutions. The company holds regulatory authorization from the Comisión Nacional Bancaria y de Valores, CONDUSEF, and the Secretaría de Hacienda y Crédito Público. Ethospay possesses a SOFOM license for credit product management and a principal license with VISA, enabling its credit cards to be accepted in 120 countries. The company offers multiple VISA credit card products, including Ethos Crédito Clásica for employees of partner companies and SMEs, Ethos Crédito Infinite for executives and entrepreneurs with premium benefits such as airport VIP lounge access, and specialized cards for the healthcare sector. These cards are managed through a mobile application available on iOS and Android platforms. The company integrates with Mexico's financial system through PROSA and the national payment system SPEI via STP. As of recent reports, Grupo Ethospay is in the process of obtaining an Institución de Fondos de Pagos Electrónico license to offer payment accounts. The company maintains its own in-house development team specializing in frontend, backend, full-stack development, mobile applications, big data, cybersecurity, UX/UI design, and artificial intelligence, enabling rapid deployment of tailored technological solutions. Grupo Ethospay also promotes a financial-medical ecosystem, positioning itself as a technology-driven financial services provider in the Mexican market.