quienmepresta

Generamás is a Mexican fintech marketplace platform that connects retail investors with regulated financial institutions offering fixed-income investment products. The company operates as a marketing and distribution intermediary for banks and SOFIPOs (Sociedades Financieras Populares), which are cooperative savings and credit institutions in Mexico. Generamás negotiates preferential interest rates on behalf of individual investors, providing access to institutional-level returns that would typically only be available to large investors. The platform allows users to compare and invest in time deposits and savings products from multiple regulated institutions through a single digital application process, with minimum investments starting at 1,000 Mexican pesos. The company does not receive or manage client funds directly, nor does it operate as a regulated financial institution itself. Instead, it facilitates connections between investors and CNBV-regulated entities, earning commissions from partner institutions for client acquisition. Investments made through the platform are protected by government-backed insurance schemes including PROSOFIPO for SOFIPOs (covering up to 25,000 UDIs) and IPAB for banks (covering up to 400,000 UDIs). The platform emphasizes transparency by providing detailed information about each institution's financial health, capitalization levels, and interest rates. Generamás also previously featured informational content about various fintech companies in Mexico, including loan marketplace platforms like QuienMePresta, though its current primary focus is on the investment marketplace for fixed-income products. The company is based in Mexico City and operates entirely online without physical branches.