Overview

• The card operates on the Mastercard network and offers up to three interest-free installments for Mercado Libre purchases and Mercado Pago QR payments over ARS 30,000.
• The product carries no issuance, shipping, maintenance or replacement fees, and the physical card omits printed personal data and numbers.
• Users receive an in-app digital card for immediate use, with an optional physical card and a gradual, phased rollout across the user base.
• Credit limits are defined by a proprietary AI-driven scoring model that leverages platform behavior to extend access to users without traditional credit histories.
• Financing comes from the company’s own funds, revolving rates are described as in line with the market, and initial use excludes foreign-currency or overseas purchases with the company saying it is working to enable that.