{"id":37040,"date":"2019-04-04T13:11:07","date_gmt":"2019-04-04T18:11:07","guid":{"rendered":"https:\/\/l21.mx\/?p=37040"},"modified":"2021-03-01T11:54:21","modified_gmt":"2021-03-01T16:54:21","slug":"la-fintech-mexicana-que-te-permite-enviar-dinero-via-redes-sociales","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=37040","title":{"rendered":"La Fintech mexicana que te permite enviar dinero v\u00eda redes sociales"},"content":{"rendered":"\n

Swap<\/strong> es una Fintech mexicana que te permite enviar dinero a quienes est\u00e1n en tu lista de contactos de redes sociales como WhatsApp o Facebook.<\/p>\n\n\n\n

Como la mayor\u00eda de las startups, Swap funciona mediante una app, pero, a diferencia de otras, \u00e9sta s\u00f3lo debe ser descargada por quien env\u00eda el dinero y no necesariamente por quien lo recibe, explicaron en entrevista Bruno Ramos y Jer\u00f3nimo Gonz\u00e1lez, quienes fundaron la Fintech en 2015.<\/p>\n\n\n\n

Tras obtener la aplicaci\u00f3n, se abre una cuenta, s\u00f3lo se necesita ingresar el n\u00famero telef\u00f3nico y los 16 d\u00edgitos de la tarjeta o cuenta bancaria de la cual transferir\u00e1s los recursos.<\/p>\n\n\n\n

Los fundadores aseguraron que la informaci\u00f3n no corre peligro, pues \u00e9sta se encripta<\/strong> una vez que se ingresa al dispositivo m\u00f3vil.<\/p>\n\n\n\n

Swap tiene una funci\u00f3n que permite adherir un teclado a otras aplicaciones como Messenger de Facebook o WhatsApp<\/strong>, el cual puede desplegarse mientras se mantiene una conversaci\u00f3n.<\/p>\n\n\n\n

La pantalla te permite elegir la cantidad a enviar y la tarjeta de banco de donde se tomar\u00e1 el monto.<\/p>\n\n\n\n

Tras esto, la operaci\u00f3n deber\u00e1 confirmarse v\u00eda un c\u00f3digo previamente designado con la huella digital o identificaci\u00f3n del rostro.<\/p>\n\n\n\n

Una vez hecho esto, la transacci\u00f3n<\/strong> se enviar\u00e1 como si fuera un mensaje.<\/p>\n\n\n\n

\u201cSe hace un cargo a tu tarjeta, se genera un link y se env\u00eda en la misma conversaci\u00f3n. Entonces la persona que recibe ese mensaje, entra al link y mete su tarjeta de d\u00e9bito o clave interbancaria. No debe tener necesariamente la aplicaci\u00f3n, e inmediatamente le llega a su cuenta de banco\u201d, explic\u00f3 Ramos, quien funge como CEO de la Fintech que hace una semanas levant\u00f3 una ronda de inversi\u00f3n con fondos mexicanos y de Silicon Valley.<\/p>\n\n\n\n

Quien recibe el monto s\u00f3lo necesita meter los d\u00edgitos de su tarjeta en la pantalla que se despliega del link o retirarlo a trav\u00e9s de un c\u00f3digo QR en cajeros de la red de Bancomer. <\/strong>Los dep\u00f3sitos se env\u00edan de manera inmediata<\/strong>, sin importar de qu\u00e9 d\u00eda se trate o de la hora en que se haga.<\/p>\n\n\n\n

Los costos<\/h3>\n\n\n\n

Las transacciones son inmediatas y los costos de \u00e9stas var\u00edan dependiendo el origen del dinero, aseveraron los fundadores.<\/p>\n\n\n\n

Si se trata de una tarjeta de d\u00e9bito no tiene costo, si es v\u00eda tarjeta de cr\u00e9dito la comisi\u00f3n es del tres por ciento y si es por American Express el del cinco por ciento.<\/p>\n\n\n\n

Los costos son absorbidos por quien env\u00eda, pues al destinatario no le costar\u00e1 recibir el dep\u00f3sito.<\/p>\n\n\n\n

La aplicaci\u00f3n funciona principalmente mediante las conversaciones en redes sociales, pero tambi\u00e9n puede enviarse dinero a trav\u00e9s de un mensaje SMS.<\/strong><\/p>\n\n\n\n

La Fintech cerr\u00f3 2018 con cerca de 60 mil clientes, cifra que quieren m\u00e1s que triplicar este a\u00f1o, para alcanzar los 200 mil usuarios.<\/p>\n\n\n\n

Diariamente, a trav\u00e9s de su app se hacen transacciones por 50 millones de pesos.<\/p>\n\n\n\n

Hasta ahora, los fundadores de la Fintech se dicen satisfechos, pero esperan este a\u00f1o lanzar una tarjeta de d\u00e9bito para funcionar como un banco digital.<\/p>\n\n\n\n

Baja la app<\/h3>\n\n\n\n

Baja la aplicaci\u00f3n y abre una cuenta<\/strong>, s\u00f3lo se necesita ingresar el n\u00famero telef\u00f3nico y los 16 d\u00edgitos de la tarjeta o cuenta bancaria de la cual transferir\u00e1s los recursos a tu contactos.<\/p>\n\n\n\n

Elige la cantidad a enviar y la tarjeta de banco<\/strong> de donde se tomar\u00e1 el monto.<\/p>\n\n\n\n

Confirma la operaci\u00f3n <\/strong>v\u00eda un c\u00f3digo previamente designado, con la huella digital o identificaci\u00f3n del rostro.<\/p>\n","protected":false},"excerpt":{"rendered":"

Swap es una Fintech mexicana que te permite enviar dinero a quienes est\u00e1n en tu lista de…<\/p>\n","protected":false},"author":69,"featured_media":37041,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[42,23],"tags":[],"class_list":["post-37040","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emprendedores","category-noticias"],"acf":[],"yoast_head":"\nLa Fintech mexicana que te permite enviar dinero v\u00eda redes sociales | Revista Latitud 21<\/title>\n<meta name=\"description\" content=\"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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