Payment speed determines driver retention on mobility platforms. Holding funds for 24 or 48 hours is no longer just an operational issue: it is a turnover factor that directly impacts the business.
Yango, the global technology platform operating in Colombia, integrated Cobre’s payment infrastructure to distribute instant payments to its more than 120,000 drivers and process digital collections for transportation services.
In Colombia’s mobility sector, drivers rely on digital platforms to generate income that sustains the livelihoods of thousands of families. But the traditional payment architecture forces delays of up to 48 hours between when a driver completes a trip and receives the money in their account.
That delay isn’t technical. It’s structural.
Platforms that operate using traditional banking systems or generic payment aggregators face speed limitations that are no longer justified in markets where real-time infrastructure exists and is available.
Yango uses two Cobre products to handle critical cash inflow and outflow processes:
Fast Pay via API to distribute instant payments to drivers. The money arrives in real time, eliminating the 24- to 48-hour hold period typical of other platforms.
Payment tokenization to process digital trip payments. Yango captures user payments using banking-grade security standards, without sacrificing operational speed.
Both flows run on the same technological infrastructure, with full traceability and real-time processing capabilities.
Mark Bitton, a representative from Yango, put it bluntly: "At Yango, we believe that technology can have a real impact on people’s lives. Today, more than 120,000 drivers in Colombia rely on digital platforms to generate income and support the livelihoods of thousands of families. That’s why having a real-time payment infrastructure not only improves operational efficiency but also allows our drivers to access their earnings immediately, securely, and reliably."
Platforms that hold onto funds experience higher churn. Drivers prefer to use services where they have immediate access to their money. And in a competitive market, that operational difference translates into a competitive advantage.
José Vicente Gedeón, CEO and co-founder of Cobre, noted: “Yango relies on our platform to address two critical flows: paying quickly and collecting effectively. This partnership demonstrates that business payment infrastructure in Latin America supports high-frequency transaction industries such as mobility.”
Cobre currently processes $2.6 billion monthly for more than 300 companies in the region. In 2025, it processed $17 billion, doubling its volume compared to 2024.
Yango now operates with banking-grade security and traceability standards without sacrificing operational speed, processing both incoming and outgoing funds on the same technological infrastructure.
Yango’s integration with Cobre sets an operational standard for high-frequency transaction platforms in Colombia: instant payments to drivers, secure collections with tokenization, and complete real-time traceability.
Platforms that continue to operate with legacy infrastructure will face increasing pressure regarding driver retention and operational efficiency.
The infrastructure is now available. The question is: who will be the first to adopt it?
Does your platform need real-time payment infrastructure for disbursements or collections? Talk to our team.
