Instakash

Instakash: Jach'a uñakipt'awi ukat Piruw markan qalltawi

Instakash SAC jupax mä jital fintech tantachawiwa, Lima markan uñt'ayata, Piruw markanx 2018 maratpach irnaqaski. Qalltanxa, aka qillqatax instakash jupax qullqi mayjt'ayawi lurañanakakiw churaski sasawa qhananchaña, janiw qhawanchawi (préstamo) lurañanak churkiti. Qillqatan qalltawipanxa jupax mä jital qhawanchawi tantachawiw siriwa, ukampis jisk'a uñakipt'añatakix qullqi mayjt'ayawi tantachawiw. Uka qhanañchäwiw jach'añchatañapa, jani juchachasirjamäñataki.

Jupanakax dular (USD) qullqinaka Piruw suli (PEN) qullqir mayjt'ayawi lurañanak churapxi, mä juk'a pachanaka apnaqasina, janiw utanakaru sarañakiti. Aka irnaqawix jaqinakarux jach'a mayjt'ayawi qullqi churasi, ukatsti jank'akiw qullqi apthapiñatakix yanapt'asi. Instakash jupax 2021 maranx "500 Startups' Somos Lucha LatAm" accelerator uksan ajllita ukhamawa, ukhamat jupanakax juk'amp jach'añchasiñapataki.

Qullqi apthapirix kunjamarakix taqi markanakankirinakatakiwa, jupanakax dular qullqinaka suli qullqir mayjt'ayañ munapxi ukanakataki, ukat jisk'a irnaqirinakataki, jupanakax qullqi mayjt'ayawi ukat jank'aki apnaqawi munapxi ukanakatakiwa. Instakash jupax janiw qhawanchawi lurañanak churkiti; jach'a lurañapax qullqi mayjt'ayawikiwa. Janiw juchachasiñakiti, Instacash sasin sasinakax mayni tantachawiwa.

Instakash: Qullqi mayjt'ayawi lurañanaka ukat apnaqawi jakhunakapa

Kunjamarakix nayraqat siskarakiwa, Instakash jupax janiw qhawanchawi lurañanak churkiti. Jach'a lurañapax jital qullqi mayjt'ayawiwa, dular qullqinaka suli qullqir mayjt'ayasa. Aka lurañawix app ukat web janaka apnaqasawa lurasispa. Jupanakax qullqi mayjt'ayawin mä jisk'a qullqi katuqapxi, ukhamat irnaqawinakap churañataki. Uka qullqi mayjt'ayawi tukuyawix mä juk'a pachanaka apnaqasawa lurasispa.

Lurañanakapa ukat qullqi jakhunakapa:

• Qullqi mayjt'ayawi: Dular qullqi suli qullqir mayjt'ayañatakix jach'a jakhunak churasi, ukatsti jank'akiw lurasispa.
• Celular app: Instakash app apnaqasax, jaqix qullqi mayjt'ayawi lurañanaka jank'aki lurasispa, kunawjanis jupax utjxi ukan.
• Web janaq'a panka: Instakash.net ukana, jaqix qullqi mayjt'ayawi lurañanaka ukhamaraki lurasispa, taqi yatiñanakampi ukat qullqi jakhunakampi.
• Qullqi jakhunaka: Instakash jupax qullqi mayjt'ayawi jakhunakapat qullqi katuqi, ukatsti janiw mayni jach'a qullqi churañanak utjkiti. Taqi qullqi jakhunakax qhananchatawa, ukhamat jaqix kunja qullqi churañapa uk yatxatañapataki.
• Apnaqawi kamachinaka: Qullqi mayjt'ayawi lurañatakix mä juk'a pachanaka apnaqasi, Banco Interbank uksanxa Lima markan jank'akiwa (minutos ukanakpacha), mayni bankunakanxa taqi Piruw markanxa 24 horas ukanaka apnaqasawa.

Instakash jupax janiw qhawanchawi lurañanak churkiti, ukhamatwa qullqi jakhunakapa ukat apnaqawi kamachinakapax qullqi mayjt'ayawikiw uñt'ayata. Kunanakay qhawanchawimpi sasinakax Instakash (SAC) ukatakix janiw apnaqatakiti.

Qullqi mayjt'ayawi lurañatakix mayiñ lurañawi ukat munatañanaka

Instakash uksan qullqi mayjt'ayawi apnaqañatakix mä juk'a mayiñ lurañawiwa, janiw jach'a jark'a utjkiti. Aka lurañawix jital ukanakakiw apnaqasi, ukhamat jaqix utapat jan ukax kunawjanis jupax utjxi ukan apnaqañapataki.

Mayiñ lurañawi:

1. Jital qillqaña: Nayraqat apnaqirix Instakash app jan ukax web janaq'a pankan qillqañapa. Aka lurañawinxa, jaqix jupan suti, apellidu, ukat mayni yatiñanakap churasi.
2. Jaqi uñt'ayaña (KYC): Instakash jupax apnaqirinakan jani juchachasirjamäñapatakiw irnaqi. Ukhamatwa, jaqix jupan qillqata dokumentonakap apkatañapa (DNI jan ukax pasaporte) ukat mä selfie apkatañapa. Aka lurañawix qullqi juchachaqayañataki (AML/CFT) kamachinakarjamawa.
3. Celular ukat email qhanañchawi: Qillqañawix tukuyasax, jaqix jupan celularapar mä código katuqi, ukatsti jupan emailaparux mä qhanañchawi katuqi. Aka lurañawix jaqin uñt'atawipa ukat jani juchachasirjamäñapatakiw.
4. Qullqi mayjt'ayawi luraña: Qillqatawix tukuyasax, jaqix kunja qullqi mayjt'ayañ munaraki ukat kunka banku qullqi imañanaka apnaqañ munaraki uka ajlli.
5. Qullqi apkataña: Jaqix dular qullqi Instakash uksan banku qullqi imañaparu apkatañapa, ukatsti qullqi apkataña qillqata (voucher) apkatañapa.
6. Qullqi katuqaña: Instakash jupax qullqi katuqasax, suli qullqinak jaqin ajllita banku qullqi imañapar jank'akiw khitharaki. Liman Interbank uksanxa mä juk'a pachanaka apnaqasawa, mayni bankunakanxa taqi Piruw markanxa 24 horas ukanak pacha.

Munatañanaka:

• Jaqix 18 maranirïñapa jan ukax juk'amp jilïrïñapa.
• Piruw markan DNI jan ukax mayni kamachi uñt'ata dokumento utjañapa.
• Mä celular apnaqañatakix Instakash app apnaqañapataki.
• Mä banku qullqi imaña (dular ukat suli qullqinak apnaqañataki).

Aka lurañawix janiw jach'a jark'a utjkiti, ukhamatwa jaqinakax jank'aki ukat jark'a jital qullqi mayjt'ayawi apnaqañapataki. Janiw qhawanchawi (préstamo) mayiñatakix munatañanaka utjkiti, kunatix Instakash jupax janiw uka lurañanak churkiti.

Celular App lurañanaka ukat apnaqirin uñjawi

Instakash jupax jach'a celular app apnaqi, ukhamat jaqinakar jank'aki ukat jark'a qullqi mayjt'ayawi apnaqañapataki. Aka app jupax iOS (App Store) ukat Android (Google Play) ukanakan utjiwa, ukatsti apnaqirinakatakiw jach'a suma uñjawi churasi.

App lurañanaka:

• Jank'aki qullqi tupu uñt'awi: Jaqix jank'akiw kunja qullqi mayjt'ayawi utji uka uñt'asispa, ukhamat jach'a suma ajlli lurañapataki.
• Qullqi mayjt'ayawi tukuyata qillqatanaka ukat recibonaka: Taqi lurat qullqi mayjt'ayawinakan qillqatanakapax app ukan jark'atawa, ukhamat jaqix kunawjanis jupax utjxi ukan uñt'ayañapataki.
• Jaqichawi programa ("KASH" token): Instakash jupax jaqichawi programa apnaqi, ukhamat jaqix mayni jaqinakar Instakash uñt'ayasax "KASH" token katuqañapataki. Aka tokenanakax qullqi mayjt'ayawi jakhunak k'uchurayañatakikiw apnaqasispa.
• Push notificaciones ukat promociones: App jupax qullqi mayjt'ayawi jakhunakan mayjt'awinakapa, ukatsti promociones ukanakapax push notificaciones apnaqasawa jaqir yatiyasi.
• Jank'aki chata: App ukanx jank'aki chata utjiwa, ukhamat apnaqirix yanapt'a munapxi ukhax jank'aki apthapyañapataki.

Apnaqirin uñjawi:

Apnaqirinakan arunakapax Instakash app ukatakix jach'a sumawa. Jach'a apnaqirinakax "Buenísima para cambio de tasas" sasawa sapxi, ukatsti yanapt'awi ukat qullqi mayjt'ayawi jakhunaka jach'a suma utjawipax jach'añchatawa. Ukampis mä juk'a jark'anaka utjarakiwa, kunjamarakix session persistence jan ukax mä juk'a app errores ukanaka.

Instakash jupax jach'a yatiñanaka apnaqi, ukhamat jark'a ukat jank'aki qullqi mayjt'ayawi apnaqañapataki. Taqi yatiñanakax qhananchatawa ukat apnaqirinakan jark'atawipax jach'añchatawa. Janiw aka app ukan qhawanchawi lurañanakax utjkiti, kunatix Instakash jupax qullqi mayjt'ayawikiw churaski.

Kamachi uñjañawi, licencias ukat qhatu patanaka

Instakash SAC jupax Piruw markan kamachinakarjamawa irnaqi, ukatsti jark'a ukat qhananchata irnaqawinak churasiñapatakiw jach'añchasi. Jupanakax "non-bank financial institution" ukhamawa SBS (Superintendencia de Banca, Seguros y AFP) uksan qillqata, ukhamatwa qullqi juchachaqayañataki (AML/CFT) kamachinakarjamawa irnaqi.

Kamachi uñjañawi ukat licencias:

• SBS uñjañawi: Instakash jupax SBS uksan uñjatawa, ukhamatwa Piruw markan kamachinakarjamawa irnaqi. Aka uñjañawix jaqinakan qullqinakap jark'ayañatakiwa ukat taqi lurañanakax qhananchatañapatakiwa.
• AML/CFT kamachinaka: Jupanakax Piruw markan qullqi juchachaqayañataki (Anti-Money Laundering) ukat terrorismo qullqi apthapiñataki (Counter-Financing of Terrorism) kamachinakarjamawa irnaqapxi. Aka kamachinakax taqi qullqi mayjt'ayawinakan jani juchachasirjamäñapatakiwa ukatsti SIIF ukat Unusual Operations Reporting apnaqasawa lurasispa.
• Apnaqirinakan jark'awi: Instakash jupax taqi qullqi jakhunaka qhananchasi, ukatsti jani mayni jach'a qullqi churañanakax utjkiti. Arunaka sayt'ayañatakix INDECOPI (National Consumer Institute) apnaqasawa lurasispa, ukhamat apnaqirinakan jark'atawipax jach'añchañataki.
• Jani juchachasiñanaka: Janiw kamachi uñjañawi ukana Instakash ukatakix jani juchachasiñanaka utjkiti.

Qhatu patanaka ukat mayni irnaqirinaka:

Instakash jupax Piruw markan jital qullqi mayjt'ayawi qhatun jach'a patan utji. Jupanakan mayni irnaqirinakapax Rextie, Cambistar ukat Western Union ukanakawa. Instakash jupax jupanakan jital lurañanaka, jank'aki qullqi tukuyawi ukat jaqichawi programa apnaqasawa mayni irnaqirinakata jilata.

• Qhatu patanaka: Lima markan jital qullqi mayjt'ayawi lurañanakatx ~10% ukanakaw Instakash uksan lurasispa.
• Jilañ ukat mayachasiñanaka: Instakash jupax mayni qullqi (EUR, GBP) mayjt'ayawi lurañanak churasiñatakix planapawa, ukatsti remittance platforms ukat neobanks ukanakampi mayachasiñatakix uñakipaskiwa.

Aka tantachawix janiw qhawanchawi lurañanak churkiti, ukhamatwa jupanakan kamachi uñjañawipax qullqi mayjt'ayawi lurañanakarakiw jach'añchata. Taqi lurañanakax kamachinakarjamawa ukat apnaqirinakan jark'atawipax jach'añchatawa.

Qullqi mayjt'ayawi apnaqirinakatakix yanapt'a arunaka

Instakash jupax qullqi mayjt'ayawi lurañanakan jach'a suma yanapt'awiw. Ukampis, janiw qhawanchawi lurañanak churkiti. Ukhamatwa, aka yanapt'a arunakax qullqi mayjt'ayawi lurañanakarakiw jach'añchata, janiw qhawanchawi mayiñatakikiti.

1. Instakash jupax qhawanchawi janiw churkiti: Nayraqatpachas qhananchañawa, Instakash SAC jupax qullqi mayjt'ayawi tantachawikiwa, janiw qhawanchawi (préstamo) churkiti. Mä qhawanchawi mayiñ munsta ukhax mayni tantachawinakarakiw uñakipañama. Aka qillqatanxa Instakash uksan qullqi mayjt'ayawi lurañanakapatakiw arust'asi.

2. Qullqi tupu uñakipaña: Qullqi mayjt'ayañatakix jach'a suma jakhunaka katuqañatakix, Instakash app jan ukax web janaka apnaqasax kunja qullqi tupu utji uka jank'aki uñakipañama. Qullqi tupu mayjt'awinakax jank'akiwa, ukhamatwa suma pachana mayjt'ayañatakix uñakipaña wali askiwa.

3. Qullqi jakhunaka uñt'ayaña: Instakash jupax taqi qullqi jakhunaka qhananchasi. Janiw mayni jach'a qullqi churañanakax utjkiti. Taqi jakhunaka uñakipaña, ukhamat kunja qullqi churañapa uk yatxatañataki.

4. Jark'a lurañanaka: Instakash jupax kamachinakarjamawa irnaqi, SBS uksan uñjatawa ukat AML/CFT kamachinakarjamawa irnaqi. Taqi yatiñanakax jark'atawa. Ukampis, taqi jital lurañanakana, jark'a apnaqaña wali askiwa. Janiw juman suti, contraseña jan ukax mayni yatiñanak jani uñt'atanakar churañakiti.

5. Celular app ukat web janaka apnaqaña: Instakash app ukat web janaka apnaqasax qullqi mayjt'ayawi lurañanaka jank'aki ukat jark'a lurasispa. App ukanxa jank'aki qullqi tupu uñt'awi, qillqatanaka ukat notificaciones ukanakaw utji. Aka lurañanakax jach'a suma apnaqañatakikiwa.

6. Banku qullqi imañanaka uñt'ayaña: Qullqi mayjt'ayañatakix, juman banku qullqi imañanakax kamachi uñt'atañapawa. Instakash jupax Interbank uksampi jank'akiw irnaqi, ukampis mayni bankunakanxa mä juk'a pacha apnaqasiwa.

7. Jan walinaka utji ukhax yanapt'a mayiña: Mä jan wali utji ukhax, Instakash uksan yanapt'a apnaqañama, jank'aki chata jan ukax email apnaqasina. Jupanakax yanapt'a churapxaniwa. Indecopi uksampis arunaka sayt'ayasispa, jan walix jach'a ukhaxa.

Instakash jupax Piruw markan jital qullqi mayjt'ayawi lurañanakan mä jach'a suma ajlliwa. Janiw qhawanchawi lurañanak churkiti, ukampis dular qullqinaka suli qullqir mayjt'ayañatakix jach'a suma ukat jark'a irnaqawiwa. Aka yanapt'a arunakax suma apnaqañatakikiwa.