MOYO AI

MOYO AI is a Mexico City-based fintech company founded in 2017 that provides credit risk assessment and digital identity verification solutions to financial institutions and commercial entities. The company operates as a B2B technology provider rather than a direct lender, positioning itself in the RegTech and Fintech Tools space. MOYO AI's core offering is an innovative credit scoring system that measures "intention to repay" using psychometric testing combined with machine learning and artificial intelligence models. This approach enables financial institutions to assess credit risk using non-traditional data, specifically targeting unbanked, underbanked, and underserved populations who lack traditional credit histories. The company aims to build trust between individuals at the base of the economic pyramid and financial institutions by providing alternative credit evaluation methods. Beyond credit scoring, MOYO AI offers complementary modules for Know Your Customer (KYC) processes, Anti-Money Laundering (AML) compliance, fraud prevention, and identity validation. These tools include facial recognition technology and the ability to verify multiple forms of official identification including ID cards, passports, driver's licenses, and residence permits. The platform helps clients digitalize their onboarding processes, reduce delinquent portfolios, and prevent fraud. MOYO AI gained recognition in 2019 as the finalist representing Mexico at BBVA Open Talent's global competition in Madrid. The company has received support from notable investors including UNICEF and NXTP Corporate Partners through accelerator programs. Operating with an estimated 11-50 employees, MOYO AI serves financial institutions, banks, and commercial companies across Latin America that seek to expand their customer base while managing credit risk effectively.