UffPay Investors: Cross Border Payments

The opportunity

A large corridor with a widening access gap

The money already moves. What is missing is a modern, low-cost way to receive it, hold it and spend it. Every figure below carries the year it covers and the official source it came from.

$173.7Bin remittances to Latin America and the Caribbean in 2025A regional market still running on legacy rails

Guatemala alone receives about 15% of these inflows

Source: Inter-American Development Bank, IDB-TN-3243 (2025).

$25.53Bin remittances received by Guatemala in 2025A record year, up 18.7% over 2024 on the same central bank basis

Remittances reached a record 21% of GDP in 2025

Sources: Banco de Guatemala, Ingreso de Divisas por Remesas Familiares (2025); IMF 2026 Article IV Consultation (GDP share, 2025).

2.17Mpeople of Guatemalan origin living in the United StatesA recurring, high-frequency corridor between the U.S. and Guatemala

About 1 in 10 people of Guatemalan origin lives in the United States

Source: U.S. Census Bureau, American Community Survey 2024 1-Year Estimates, Table B03001.

38.3%of Guatemalan adults have an account at a financial institutionDown from 44.1% in 2017. The gap is widening, not closing

About 7.8 million adults are left without a formal account

Source: World Bank Global Findex Database 2025 (survey year 2024). The underserved adults figure is a UffPay calculation from Findex and World Bank population aged 15+.

All figures are published official statistics, shown with the year they cover. Sources: Banco de Guatemala, Inter-American Development Bank, International Monetary Fund, U.S. Census Bureau and the World Bank. Last reviewed August 2026.

Our mission

Technology and financial inclusion for the whole region

UffPay exists to bring technology and financial inclusion to the region: a better service, accessible to every community and every person in an easy way, lowering the barriers that exist today with solutions that exist today.

Access for every community
Financial services within reach of all communities and people, simple to use and open to everyone.
A better service
Technology that removes the existing barriers: easy onboarding, clear pricing and money that moves in a click.
Lower transaction costs
Reduce the processing cost of transactions, locally and internationally, in every country we enter.

Market map

The corridor is growing fast

Guatemala is the second-largest remittance recipient in the region after Mexico, and 2025 was a record year. The access gap on the receiving end is what UffPay exists to close.

Remittances received by Guatemala, US$ billions2022 to 2024: World Bank Open Data. 2025: Banco de Guatemala, as the World Bank has not yet published a 2025 value.

2022

$18.20B

2023

$19.98B

2024

$21.64B

2025

$25.53B

The financial inclusion gap

38.3%with an account

With an account38.3%
Underserved, the opportunity61.7%

Only 38.3% of Guatemalan adults hold an account at a financial institution or with a mobile money provider, down from 44.1% in 2017. The majority who do not are exactly who UffPay is built to serve.

World Bank Global Findex Database 2025, survey year 2024

What is built

The hard part is already in the ground

UffPay is not a plan on a page. The platform is built, integrated and live in market. Capital from here buys proof, not construction.

USD 2M+invested in build and development

39+months of execution completed

12integrations ready

1,000+Visa cards produced and ready to issue

Mobile wallet live on iOS and Android with USD and GTQ balances
Remittances and person-to-person transfers running in market
USD to GTQ exchange inside the wallet
BlackEagle KYC, AML, sanctions screening and transaction monitoring
In-house bilingual customer service, with AI answering first, 24 hours a day
Dual-rail processing across the United States and Guatemala

Execution figures are internal management records and are not independently audited.

Why now

The infrastructure is in place, the product is live, and the corridor just posted a record year.

Live in Guatemala

UffPay is available and in use in Guatemala today. Remittances, person-to-person transfers and USD to GTQ exchange all run in the app, on iOS and Android.

A seven-year Visa growth agreement

A seven-year growth agreement with Visa covers ten approved markets, subject to launch conditions, and puts Visa launch and volume support behind the Guatemala rollout.

Dual-rail processing

Processing stacks in the United States (Fiserv and Clover) and in Guatemala (NeoNet), both integrated and tested, give the platform redundancy and real reach.

AI-powered compliance, built in-house

BlackEagle, our own compliance and risk engine, runs RENAP identity checks, continuous sanctions and PEP screening, and real-time transaction scoring. Building it in-house means we own the rules and the cost.

Visa prepaid card, ready to issue

The UffPay Visa prepaid card program is in final certification with our issuing partners. One thousand cards are produced and ready to go out the moment certification completes.

Priced in the open

The fee is a published 3.5% plus $0.50 per eligible transaction, stated plainly on the consumer site rather than buried in a rate table. What a customer sees is what an investor can verify.

The Visa agreement

What the Visa agreement is, and what it lets us do

This is a seven-year growth agreement, not a marketing badge. It is the commercial backbone of the card program and of any market we go on to explore.

The agreement runs seven years and covers ten approved expansion markets, subject to launch conditions. It sets the perimeter for where UffPay can take the card program over that period.

The agreement and the card program remain subject to contract confirmation, partner readiness, integration, launch conditions and applicable approvals.

Built on trusted infrastructure

Each mark is labeled for what it actually does. We do not name the banks that hold customer funds in any country.

On the roadmap, after proof

Investment & Savings Plans

Savings and investment plans inside the app, offered and managed by independent, regulated financial institutions. Subject to agreements and approvals.

Bill splitting at scale

Expanding the in-app bill splitting already available to users, with automated settlement across groups and recurring shared expenses.

Payfacs

Payment facilitation for businesses and platforms: onboard merchants and accept payments through one integration.

Utility Payments

Simplify monthly expenses by paying electricity, water, and other bills directly through our platform.

HOA Payments

Stay on top of community fees with automated and transparent payment solutions, ensuring timely and accurate transactions.

Payroll Services

Streamline wage disbursements for businesses of all sizes by managing every payroll process in one secure location.

Regional scale is earned, not assumed

Guatemala is the launch market and, together with the United States, holds the company's entire focus right now. Nine further markets make up a regional exploration roadmap. None is launched, licensed, revenue-generating or operating, and none is prioritized over the others.

ColombiaCosta RicaDominican RepublicEcuadorEl SalvadorHondurasJamaicaNicaraguaPanama

How a market gets earned

Current
Prove Guatemala
Activate, transact, retain and validate unit economics in one market before anything else is considered.
Conditional
Repeat the corridor
Demonstrate that the customer and funds-flow model reproduces across a U.S. to Latin America corridor.
Exploration only
Evaluate new markets
Assess licensing, partners, economics and risk before any local entry. Every market decision is gated and approved at the parent.

No market beyond Guatemala is represented as launched, licensed, revenue-generating or operating. Any entry remains subject to licensing, local partners and market conditions.

Interested in investing?

We would like to hear from you.

Reach out to our team to learn more about UffPay and how we are modernizing cross-border payments between the United States and Latin America.

Investors can write to us to request a copy of the Private Placement Memorandum and the investor deck.

Email our team

invest@uffpay.com

Disclosures

Important disclosures

The information on this website is provided for general informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any security in any jurisdiction. Any such offer will be made only to qualified investors and only by means of a confidential private placement memorandum, a subscription agreement, and related definitive documents, which will supersede this website in its entirety. The securities referred to have not been and will not be registered under the U.S. Securities Act of 1933, as amended, or under any state or non-U.S. securities laws, and may not be offered or sold absent registration or an available exemption from registration. Neither the U.S. Securities and Exchange Commission nor any state or foreign securities regulator has approved or disapproved these securities or passed upon the accuracy or adequacy of any offering materials, and any representation to the contrary is unlawful.

This website contains forward-looking statements, including statements about our strategy, product roadmap, market opportunity, and anticipated performance. These statements reflect current expectations and assumptions, are not guarantees of future performance, and are subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied. Any projections, targets, or illustrative figures are estimates only, and no assurance is given that they will be achieved. Except as required by law, we undertake no obligation to update or revise any forward-looking statement.

Any offering by UffPay Tech Inc. to investors in the United States is made under Rule 506(c) of Regulation D, which requires that every U.S. purchaser be an accredited investor as defined in Rule 501(a). Under Rule 506(c)(2)(ii), self-certification alone is not sufficient: before accepting a subscription, the Company must take reasonable steps to verify accredited investor status. Investors who are not U.S. persons may be offered securities only through a separate offshore tranche conducted under Regulation S and will be required to certify their non-U.S. status. Expressing interest through this website creates no obligation for the Company to accept any subscription, and the Company may decline any prospective investor for any reason.

A trusted financial bridge between the U.S. and Latin America