The float that never was

The hour with Movii, two of their people, the padrino, and the three of them ▸ 0:28, corrects the assumption the AI-generated Excel had planted: there is no rentabilidad on money sitting in accounts. Movii’s world runs on recaudo and per-transaction fees ▸ 0:45, so the main revenue line of the simulation was fiction, and the model gets rebuilt ▸ 1:07. The upside of the same meeting: the rails are real, redundant connections that fail over, partnerships they name as Uber, Netflix, Google ▸ 1:52, with an NDA to sign before prices arrive ▸ 3:37.

And one assumption gets confirmed from inside the industry: Movii sees clients with Bre-B fully enabled, dynamic keys and all, who barely use it ▸ 3:01. Bad user experience is the gap, which is precisely the company they’ve decided to be: “una empresa dedicada a mejorar lo más posible la experiencia de usuario cuando van a hacer algún pago” ▸ 3:59, with the agent that executes payments for you as the core ▸ 8:16.

si el core es la experiencia, el canal más corto al feedback gana: B2C primero →

The strategic consequence follows cleanly: the original B2B2C framing, sell to companies, reach their employees ▸ 9:20, is the slow road to feedback. If UX is the moat, they need maximum iteration speed, so the proposal for the padrino is B2C first: ads on social media, track everything, iterate until the experience is good enough that users arrive on their own, and only then sell it into companies ▸ 10:07. The work splits accordingly: Julia owns design and branding, floating a garza as the logo ▸ 8:30; Carlos builds the backend plus a simulated bank API so the agent can be tested before any rail is chosen ▸ 7:56; and he hunts the company bank account through the neobanks, Iris, Nequi’s business tier, maybe BBVA ▸ 6:39, in a market where a competitor is literally named Refácil ▸ 4:44…