In just 24 months, the payment platform for digital creators and entrepreneurs has reached 2,000 users, established a presence in more than 20 countries, and attracted the interest of Silicon Valley’s most powerful accelerators. Its next move: to conquer the American market from Miami, with New York on the horizon.
In the world of startups, there’s one factor that separates the companies that will go far from those that will fall by the wayside: speed. How long it takes to find your first customer. How long it takes to prove your product works. How long it takes to go from an idea to a real business. And when a company achieves all that in less than two years, the investment ecosystem takes notice.
That is exactly what Kunfupay has done.
From zero to 10 million in 24 months
Kunfupay’s numbers are unusual for a startup of its age. In just two years, the Spanish fintech has gone from non-existence to processing over 10 million euros annually in transactions. It has more than 2,000 active users spread across more than 20 countries. And it has achieved this with virtually no advertising budget—pure organic growth, through word of mouth, because the creators who try it recommend it.
To put these figures in context: platforms like Gumroad, valued at $100 million, took nearly a decade to reach a comparable transaction volume. Patreon, now worth $4 billion, took more than three years to reach its first significant milestones in payments to creators. Hotmart, the Brazilian giant with over $400 million in revenue, took ten years to raise its first major round of investment.
Kunfupay is doing in months what took others years. And that speed hasn’t gone unnoticed.
Why is it growing so fast?
Kunfupay’s answer to this question is straightforward: because they’re solving a real problem that affects millions of people, and because they’ve designed every part of their product to go viral.
The problem is simple to explain: millions of people around the world sell courses, mentorship programs, subscriptions, and digital content online. Many of their buyers are in Latin America, a massive market where each country uses different payment methods—PIX in Brazil, Nequi in Colombia, SPEI in Mexico, Mercado Pago in Argentina. Traditional payment gateways don’t support these methods, so creators lose sales simply because their customers can’t pay.
Kunfupay solved this by bringing all those local payment methods—including crypto and Western Union—together into a single checkout. The buyer pays however they want, and the seller receives the money in their Kunfupay wallet, in euros, dollars, or even cryptocurrency. The money arrives in minutes thanks to a wallet. And you can do whatever you want with the money: send it to other users, load your Kunfupay card, or withdraw it in the currency of your choice. All instantaneous thanks to blockchain technology.
But solving the problem isn’t enough—you have to get the product to spread on its own. And that’s where Kunfupay has developed an almost obsessive focus. Every payment link a creator shares on Instagram, TikTok, or YouTube is, in practice, an advertisement for Kunfupay. Every time a buyer goes through checkout, they discover the platform. Every referral program that’s activated turns users themselves into ambassadors. The product is designed so that the more you use it, the more people learn about it—without spending a single euro on advertising.
Add to that a digital VISA card to spend earnings instantly and an AI engine that advises the creator on their business 24/7 and automates everything—marketing campaigns, payments, referral programs. The result is a platform that doesn’t just process payments: it sells, retains, and scales the creator’s business. And in doing so, it scales itself.
When you combine a real problem, a solution that works, and a product that goes viral with every use, growth skyrockets on its own.
Silicon Valley comes knocking
When a startup grows this fast, accelerators and investment funds show up. And in Kunfupay’s case, these aren’t just any funds.
The company has held meetings with some of the world’s most prominent accelerators and funds, including Y Combinator and 500 Global. For those unfamiliar with them: Y Combinator is the unicorn factory that launched Airbnb, Stripe, Dropbox, and Coinbase—companies now worth tens of billions. 500 Global has invested in over 2,800 startups across 81 countries and has a special focus on emerging markets and Latin America.
The fact that organizations of this caliber are taking the time to sit down with a two-year-old Spanish startup is no small matter. In the world of venture capital, time is the scarcest resource. If they sit down with you, it’s because the numbers add up and they see enormous potential.
According to Rubén Romero, CEO of Kunfupay, a major funding round could be announced soon. If confirmed, it would be the fuel the company needs to go from growing fast to growing exponentially.
The Bet on the United States: Miami Today, New York Tomorrow
Kunfupay’s growth has reached a point where staying solely in Europe no longer makes sense. That’s why the company is already opening its first office in Miami—and has confirmed that New York will be its next destination.
The choice of Miami is no coincidence. The city has become the global epicenter of fintech companies connecting the United States with Latin America. In 2025, Miami closed over $6.2 billion in startup investments, and the fintech sector absorbed 30% of that capital. It is home to more than 1,500 tech startups, five unicorns, and a concentration of fintech talent unmatched anywhere else in the world. Funds like 500 Global already have offices there.
For Kunfupay, which operates precisely in the Europe-Latin America corridor, Miami provides direct access to the investors who best understand this market, the banking partners it needs, and an ecosystem where a fintech with traction can scale at a different pace.
New York, the financial center of the world, will be the next step. The combination of both cities will give Kunfupay something very few startups have: one foot in Latin American capital, another in global capital, and a technological base in Europe. A triangle that, if executed well, could be unstoppable.
The new vertical that multiplies the potential
As if its current growth weren’t enough, Kunfupay has recently launched a new business line that could multiply its user base: a vertical for entrepreneurs creating subscription apps and platforms.
The logic is clear: thanks to artificial intelligence, more and more people without a technical background are creating digital products and micro-SaaS solutions. But when it comes time to collect subscription payments from customers in different countries, they hit a wall. Kunfupay allows them to set up subscription plans and start collecting payments globally within hours, without needing to be a registered company or hire developers.
It’s a market expansion that doesn’t require building new technology—the entire infrastructure for local payments, blockchain, and AI is already in place. You just have to open it up to a new type of user. And in the world of venture capital, that’s called scalability.
A Delaware-based fintech with global ambitions
Some startups take five years to find their market. Others never find it. Kunfupay found it in two, and the metrics all point in the same direction: upward.
10 million euros in annual transactions. Over 2,000 users. More than 20 countries. Offices in Miami and New York on the horizon. Meetings with Y Combinator and 500 Global. Technology—blockchain, artificial intelligence, local payments—that competitors valued at billions don’t have. And a new SaaS subscription vertical that opens the door to an even larger market.
Stripe started as a project by two Irish brothers and is now worth 65 billion. Nubank was born in an apartment in São Paulo and is now the world’s largest digital bank. All the great fintech stories began with a small company, a huge market, and the speed to execute before anyone else.
Kunfupay has all three. Now it remains to be seen how far it will go. But if the first two years are any indication, the answer might surprise more than a few people.
