Project XBY

Latin America · GDP rank #40

Colombia

CO · COP @ 0.0002380/USD

Bre-B went into full-scale operation in October 2025 and within seven months has cleared more than 600 million transactions across 35 million registered users and 103 million aliases — the fastest stand-up of a Pix-style instant rail outside Brazil. Nequi (Bancolombia spin-out, 26 million registered users) and Daviplata (Davivienda, 19 million) define the consumer-wallet duopoly. The United States is the dominant remittance origin, the Superintendencia Financiera de Colombia regulates non-bank PSPs under Decreto 222/2020, and the SEDPE (Sociedad Especializada en Depósitos y Pagos Electrónicos) charter is the operative fintech-deposit vehicle.

Tab 08

Pulse

The preceding ~90 days of macro, regulation, product, funding and milestone events. Each item is primary-sourced; no trade-press echo.

  1. 4 days agodata

    Bre-B Q2 indicator: average daily transactions surpass 4 million

    Banco de la República's May Bre-B indicators page put average daily transaction count above 4 million through mid-Q2 2026, an annualised run-rate of approximately 1.5 billion transactions. Average ticket remains around US$43, consistent with the consumer P2P composition of early-stage volume.

    • #bre-b
    • #banrep
    • #data

    Source: Banco de la República

  2. 4 weeks agomilestone

    Bre-B passes 500m cumulative transactions; ACI Worldwide and BanRep present at Fintech Americas

    Banco de la República and ACI Worldwide presented Bre-B's adoption trajectory at Fintech Americas 2026 in Miami: more than 500 million cumulative transactions by early April 2026, six months after full-scale launch, with 218 participating institutions and 103 million registered aliases. ACI Worldwide is the rail's core processor.

    • #bre-b
    • #milestone
    • #aci-worldwide

    Source: ACI Worldwide / Intelligent Fin.tech

  3. 7 weeks agoregulation

    SFC closes consultation on Bre-B merchant-presented QR standard

    Superintendencia Financiera de Colombia closed industry consultation on the merchant-presented QR specification for Bre-B. The standard aligns Bre-B QR with EMVCo-style encoding and assigns Banco de la República and the SPBVI clearing houses joint responsibility for the merchant directory. Commercial roll-out targeted for Q3 2026.

    • #sfc
    • #bre-b
    • #qr
    • #regulation

    Source: Superintendencia Financiera de Colombia

  4. 3 months agodata

    Banco de la República publishes Bre-B working paper: 370m transactions in first four months

    The central bank's February 2026 working paper recorded 370 million Bre-B transactions through end-January 2026, totalling COP 59 trillion in cleared value. The paper characterises the rail as 'on the upper bound of central-bank expectations' for the first phase.

    • #bre-b
    • #banrep
    • #data
    • #research

    Source: Banco de la República

  5. 3 months agolaunch

    Gou Payments becomes 5th interoperating SPBVI inside Bre-B

    Gou Payments — the SEDPE-licensed entity backed by Grupo Aval — completed Bre-B participant onboarding and became the fifth fully interoperating SPBVI alongside ACH Colombia, Redeban, Credibanco and Visionamos. Three more participant onboardings are scheduled for 2026 H2.

    • #bre-b
    • #gou
    • #spbvi
    • #launch

    Source: Banco de la República

  6. 3 months agomilestone

    Nequi Q4 2025: 26m registered users, full-year profit

    Bancolombia's full-year filing recorded Nequi at 26 million registered users with ~20 million monthly actives and a full-year operating profit for 2025 — the first sustained profit by a Colombian SEDPE. Nequi's Bre-B integration was the primary driver of Q4 2025 transaction-volume growth.

    • #nequi
    • #bancolombia
    • #sedpe
    • #milestone

    Source: Bancolombia