Millas para el retiro

Millas para el Retiro is a Mexican fintech platform that facilitates voluntary contributions to retirement savings accounts (AFOREs) through automated savings mechanisms. Founded by actuaries Jorge López, Tenoch Ochoa, and Abraham Hernández, the company operates as Millas para el Retiro S.A.P.I. de C.V. and positions itself as the largest voluntary retirement savings channel in Mexico. The platform enables users to make contributions to their AFORE or a third party's AFORE account starting from as little as one peso, using payment methods including SPEI, CoDi, and Dimo. Users register via mobile app or web platform by providing their CURP (national identification number), linking their bank accounts, and setting weekly savings amounts or percentages. The company originally featured a consumption-based savings model where purchases at affiliated merchants generated contributions to retirement accounts, though its current focus emphasizes direct voluntary contributions through digital payment channels. Millas para el Retiro is endorsed by CONSAR (Mexico's retirement savings regulatory commission) and has backing from Amafore (the Mexican Afore Association) and Amedirh. The platform processes payments through STP (Sistema de Transferencias y Pagos), a CNBV-authorized electronic payment fund institution. The company has gained recognition through appearances on Shark Tank Mexico, winning BBVA's Open Talent competition in the Financial Inclusion category, and acknowledgment from international organizations. As of recent reports, the platform has registered over 100,000 users and facilitates contributions to both complementary retirement sub-accounts (long-term, tax-deductible) and voluntary savings sub-accounts (accessible within months to years). The company also offers payroll-based savings programs for corporate clients.