Super Promise

SuperPromise is a credit-building fintech platform operated by Consorcio Contigo AYA de México S.A. de C.V. SOFOM ENR, a regulated non-bank financial entity based in Chihuahua, Mexico. The company offers a 12-month subscription program designed to help users build or rebuild their credit history through regular, positive reporting to Mexican credit bureaus. SuperPromise targets individuals who either lack a credit history or have poor credit scores, addressing a market of approximately 27 million Mexicans facing credit bureau challenges. The platform operates through a mobile application that was the first of its kind from a SOFOM ENR to receive approval from the Comisión Nacional Bancaria y de Valores (CNBV), meeting all regulatory requirements under Annex 2 of the general provisions applicable to SOFOM ENR entities. This authorization, granted in October 2020, enables non-face-to-face customer identification and onboarding. The company also offers a Special Credit Report service for 245 Mexican pesos, which allows users to obtain their credit report quickly using only their INE identification, a selfie, and basic data, with optional professional interpretation and improvement plans. Consorcio Contigo AYA has operated in the financial services sector for over 10 years, initially focusing on payroll lending before launching the SuperPromise innovation. The parent company maintains offices in the Saucito neighborhood of Chihuahua and continues to develop new financial products to expand its distribution channels. SuperPromise positions itself as a tool to help users become ideal candidates for traditional bank credit by systematically improving their credit bureau standing through disciplined financial behavior.