Smart onboarding
Identity verification with liveness, automatic data extraction from documents and cross-validation in seconds. Less abandonment, less manual workload, without giving up regulatory control.
PROPOSAL FOR BANKS
The first step of the digital modernization of your bank.
Production wallet, omnichannel hub and transactional platform for banks that need to accelerate their digital layer, with coexistence with the banking core and without depending on its timeline.
WHAT PROPAGO UNLOCKS
Four fronts the bank activates on our infrastructure.
Each can be operated separately or combined. The choice depends on which piece of the bank's digital program you want to accelerate first.
01
Bank-branded wallet
Consumer app with the bank's brand. QR payments, transfers, card management, benefits and digital onboarding. In production within weeks, not years.
- iOS and Android app, bank-branded
- KYC with Renaper integrated
- Notifications and biometrics
02
Acceptance network under the bank's control
Bank-branded terminals at partnered merchants. Physical POS, SoftPOS, interoperable QR, payment links. Full control of the network.
- Physical POS + SoftPOS QR
- Network's interoperable QR
- Onboarding and merchant management
03
Benefit programs and public policy
Cashbacks, provincial benefits, corporate programs and social assistance channeled on the bank's own infrastructure — without depending on third parties.
- Provincial and national programs
- Cashbacks and promos by category
- Automatic settlement
04
Merchant credit on proprietary data
Loan origination to merchants using the bank's transactional data. Scoring on real cash flow, not traditional credit bureaus. To grow the portfolio on its own base.
- Scoring on transactional flow
- Origination from the backoffice
- Collection via acquiring
OPERATING MODEL
Three layers. The bank decides what it takes and what it outsources.
Each operation is resolved by combining three components. The choice defines the bank's commercial model and regulatory perimeter.
I
LICENSE The bank's.
The bank operates under its own BCRA authorization. Propago provides the infrastructure on which the bank transacts.
On the bank
II
INFRASTRUCTURE Propago Core.
Processing, issuing, reconciliation, risk, operational compliance and reporting on Propago Core's homologated stack.
Provided by Propago
III
SPONSOR Bank or group.
The sponsor role is assumed by the bank itself, or by a financial entity within the group. Float and margins stay within the desired perimeter.
On the bank
This flexibility lets a bank with its own license operate everything under its perimeter, or a bank building its digital layer outsource parts and bring them in-house over time.
USE CASES
Three ways the conversation comes up.
PROVINCIAL BANK 01
Existing benefits program leaving the spreadsheet.
A provincial bank with a cashback program running on spreadsheets and manual reports migrates it to its own wallet and acceptance network. Benefits channeled in real time, automatic reconciliation, proprietary data to design the next batch.
COMMERCIAL BANK 02
Network of partnered merchants asking for acquiring.
A commercial bank with an SMB merchant base launches its own acquiring — physical POS, QR, payment links — without building infrastructure. Merchants migrate to operating under the bank's brand; the bank gains transactional flow to originate credit.
BANK + PSP 03
Bank processing its own PSP authorization.
A bank that needs an autonomous fintech unit with its own PSP/PCP authorization operates under Propago's license as sponsor while it processes its own. Migrable without rewrite — the bank takes on the license once BCRA approves.
TIMELINE
From the first conversation to commercial launch.
Typical timeline for an acquiring + wallet program. Actual duration varies with scope — but the first milestone is always the model discovery.
WEEK 0
Functional analysis and operational design
- Functional scope
- Operating model (license · sponsor)
- Bank integrations mapping
WEEKS 1-4
Technical integration
- Connection to the banking core
- Renaper KYC onboarding
- Brand setup on wallet + backoffice
WEEKS 4-8
Pilot phase
- Production wallet with test users
- POS terminals at pilot merchants
- Live monitoring dashboards
MONTH 3
Commercial launch
- Public bank-branded wallet
- Operating acceptance network
- Active benefits program
MONTH 6+
Scale and new verticals
- Merchant credit on proprietary data
- New programs and segments
- Progressive license migration (if applicable)
APPLIED INTELLIGENCE
Criterio — intelligence applied to bank operations
Criterio embeds AI into the bank's critical processes, on both ends: the regulated back-office and customer-facing operations. It is not a separate module — it runs on Propago's regulated infrastructure.
Regulated processes · In production
Fraud prevention
Real-time transactional scoring and anomaly detection —atomization, pass-through, fan-in/fan-out networks— running on the same engine that powers AML monitoring.
Document interpretation
Reading and understanding of receipts, contracts and corporate documents for KYB. We turn unstructured documents into actionable data.
Foreign trade
Interpretation of operation documents, classification and support for applicable BCRA regulations. A judgment-intensive process, AI-assisted — the final decision is always the bank's.
Customer operations and engagement · In pilot
Conversational service
Automatic resolution of chat inquiries, with smart escalation to a human agent when needed. Voice support currently in pilot.
Collections management
Portfolio segmentation and prioritization, generation of communications and selection of the optimal contact channel. AI orchestrates the process; customer treatment and compliance with collections regulations always remain under the bank's control.
NEXT STEP
Let's talk about the bank's digital program.
A first 30-minute meeting to understand which piece of the digital program to start with.
Schedule a meetingWe reply in under 24 business hours