Cobre, the leading instant business payments platform in Latin America, and Rapicredit, a leader in digital credit solutions in Colombia, announce a strategic partnership that introduces a new category to the financial market: truly instant credit, available to millions of Colombians regardless of the time of day or their bank.

No bank hours. No delays. No exceptions.

The integration of Cobre’s instant payment infrastructure with Rapicredit’s digital credit engine eliminates the final friction point in the cycle: the wait between approval and disbursement. Through this partnership, transfers operate in real time, without relying on bank hours, allowing users to access their credit in minutes from anywhere in the country.

“Our mission at Cobre is to transform the way money moves in Latin America. Through this partnership, we’re demonstrating how instant payment infrastructure not only benefits large companies but also has a direct impact on the lives of hundreds of thousands of people in Colombia.” — José Vicente Gedeón · CEO & Co-founder, Cobre

Instant credit isn’t an improvement. It’s a whole new category.

This partnership between Cobre and Rapicredit opens up a new conversation about the role of payment infrastructure in financial inclusion. The potential of instant payments isn’t limited to operational efficiencies: it enables business models that were previously impossible, expands the reach of digital credit, and raises the standard that Colombians can expect from their financial services.

A collaboration designed to scale

The partnership between the Cobre and Rapicredit teams stems from a shared goal: to build a financial ecosystem where immediate liquidity is the starting point, not the privilege of the few. This partnership is the first step in a collaboration designed to scale.