Prex

Prexpe jach'a yatiyawi ukat sarnaqawi Perú markan

Prexpe, Perú markan Prex uka digital qullqi utankiri, mä jach'a ukat jank'aki irnaqawiwa. Aka utax jach'a yatiyatäxiwa mä digital qullqi uta ukhamaraki, Prepaid Mastercard ukat Prextamo sasin jisk'a qullqi churawinaka. Janiw qullqi apañax wakiskiti, jan ukax internetampikiw taqi irnaqawinakax lurasispaxa. Aka utax sapa jank'aki qullqi mayiñ munirinakatakiwa, bankun janiw uñt'atäxapxiti jan ukax jisk'a qullqini jaqinakatakiwa.

PREXPE S.A.C. suti uñt'atawa, RUC 20606050624 numeroniwa, Avenida Juan de Arona 0755, Interior 201, San Isidro, Lima markan utji. Uruguay markat juti, 2015 maran utt'ayatawa, ukat 2019 maran Argentina markaru, 2021 maran julio phaxsin Perú markaru purt'i. Perú markanx GMoney (EDE) ukampi irnaqasi, ukat Superintendencia de Banca, Seguros y AFP (SBS) ukan uñjatäxiwa. Aka irnaqawinx janiw qullqi qillqatakax wakiskiti, Soles ukat Dólares qullqimp irnaqañataki, Mastercard uka tarjeta internacionampi, qullqi apayañataki, qullqi mayjt'ayañataki, criptomoneda apthapiñataki ukat jank'aki jisk'a qullqi churawinakataki. Susan Raczy, Perú markan Country Manager ukhamawa, ukat jach'a irnaqirinakax Montevideo markan utjapxiwa.

Prexpe ukax janiw bankun qullqi apthapir jaqinakataki, jan ukax jisk'a qullqini jaqinakatakiwa. Ukhamaraki yaqha markanakan jakasiri jaqinakataki ukat sapa kutti puriñatakix puririnakatakiwa, jank'aki ukat digital irnaqawinak munirinakatakiwa.

Prexpe qullqi churawi ukat yaqha irnaqawinakapa

Prexpe ukax juk'a qullqi mayiñataki jank'aki churawinakampi ukat yaqha walja digital irnaqawinakampiwa. Aka irnaqawinakax jaqinakaru jank'aki ukat juk'amp yanapt'añataki luratäxiwa.

Prextamo: Jank'aki jisk'a qullqi churawi

• Qullqi churawi: Aka Prextamo ukax mä digital jisk'a qullqi churawiwa, janiw garantía wakiskiti, ukat Prexpe qullqi q'ipir jank'akiw churasi.
• Qullqi ukat pachanaka: Jach'a ukat jisk'a qullqi churawinakax janiw sapa maynitakix yatiyatañkiti. K'umaracht'awinakax S/100 ukat S/1 000 (US$ 25-250) ukhawa, ukax janiw suma uñt'atäkiti.
• Interes qullqi ukat APR: Yatiyawinakax janiw sapa maynitakix uñt'ayatakiti. Ukampis, jaqinakana arunakatxa, phaxsi sapa kutti interesax 5%-10% ukhawa (APR 60%-120% ukhawa), ukax janiw suma uñt'atäkiti.
• Kutt'ayaña: Jaqix app ukan jakhüwi ukat nayrïr kutt'ayañatakix uru ajllisi. Ukhama, due date ukanx Prexpe qullqi q'ipit automatikukiw qullqix apsusxaraki.
• Qullqi jakhüwi: Prextamotakix janiw origination jan ukax processing fees sasinakax utjkiti. Ukampis, qullqi jan kutt'ayañatakix juk'ampi interes qullqiw utjaraki, kamachinakaparjamaxa.
• Garantía: Janiw mayitakix wakiskiti.

Yaqha irnaqawinaka

• Paya qullqini qullqi uta: Soles ukat Dólares qullqi apthapiñataki ukat irnaqañataki.
• Qullqi mayjt'ayaña: Jank'aki qullqi mayjt'ayaña Soles ukat Dólares ukhama, app ukan jikisiñataki.
• Qullqi apayani ukat yaqha markanakar apayaña: Argentina, Uruguay, Chile ukat yaqha 25 markanakaru jank'aki ukat jan qullqiki apayaña.
• Criptomoneda apthapiña: Bitcoin, Litecoin ukat yaqha criptomonedanaka app ukan alañataki.
• Prepaid Mastercard: Virtual ukat físico tarjeta, taqi markanakan apnaqasi, janiw qullqi mayjt'ayañatakix jach'a qullqix utjkiti.

Qullqi mayiñataki thakhi, Celular App ukat irnaqawinakapa

Prexpe ukan irnaqawinakax sapa maynitakix jank'aki ukat suma luratäxiwa, celular app ukat internet ukan apnaqañataki.

Jaqi apthapiri ukat Jaqi uñt'ayaña (KYC)

Qullqi mayiñatakix Android jan ukax iOS app ukan jan ukax website ukan lurasispawa. Wakisiñanakax akhamawa: DNI jan ukax Carné de Extranjería/PTP ukanakax suma uñt'atañapawa, 18 mara jilankiriñapawa, Perú markan jakiriñapawa, ukat jan PEP (Persona Expuesta Políticamente) jaqiñapawa. Qillqatanaka uñakipañatakix ID ukan fotopa ukat mä selfie churasiñapawa; jaqi uñt'ayañatakix 1-3 uru irnaqawix wakisiwa.

Qullqi uñjawi ukat kamachinaka

Prextamo qullqi churawi munirinakatakix, Prexpe ukax Infocorp ukham credit bureau ukanakan qullqi sarnaqawi, wallet ukan apnaqawi ukat transacciones ukanaka uñakipasa, sapa maynitakix qullqi churawi lurañataki kamachinak lurasi. Ukhamaraki qullqi churawi jach'a jan ukax jisk'a jakhüwinak apnaqasi.

Qullqi churawi ukat apthapiwi

Qullqix jank'akiw Prexpe wallet ukar purt'asi. Kutt'ayañatakix automatikukiw qullqix apsusxaraki, ukhamax jaqix sapa kuttiw wallet ukan sum qullqi apthapiñapawa. Jan kutt'ayata qullqinakax credit bureau ukanakar yatiyatäxiwa, ukat Prexpe ukax extrajudicial jan ukax judicial thakhin qullqi apthapirakispa.

Celular App ukat Digital uñjawinaka

Prexpe app ukax Android (4.1★/9.3 K reviews) ukat iOS ukanakan jikisiwa. Jach'a irnaqawinakax akhamawa: jank'aki yatiyawinaka, app ukan qullqi mayjt'ayaña, recibonaka phuqhaña (200+ irnaqawinaka), criptomoneda, ukat Premiox sasin lealtad uñt'ayaña. Perú markan taqi jakana apnaqasi, ukat Yape ukat Plin ukanakampi irnaqasispawa, Cámara de Compensación Electrónica ukan uñt'atäxapxiwa. Nayrïr maranx 100 000 jaqinakaw apnaqañ qalltapxäna (2022 maran chika pachanaka), ukat taqi Latinoamérica markanakanx 1 millón downloads ukat ~2 millón jaqinakaw Prex ukan apnaqirinakax utjapxi.

Kamachinakampi, qhatuna mayjt’ayawi ukat jaqinakana lup’inaka

Prexpe ukax Perú markan kamachinakaparjamaw irnaqi, ukat qhatunx mä jach'a uñt'atawa, yaqha digital qullqi churirinakampi mayjtañataki.

Licencia ukat Uñjawi

SBS ukax Circular 0024-2022-BCRP ukhamarjamaw electronic money participant code churäna. GMoney (EEDE) ukax electronic money issuer ukhamawa, ukat PREXPE ukax service provider ukhamawa. Janiw jach'a yatiyata kamachinaka jan lurañatakix utjkiti.

Jaqinakan Qullqi Uñjawi

Perú markan Personal Data Protection Law ukhamarjamaw jaqinakan yatiyawinakapax suma uñjatäxi. T&C (Terms & Conditions) ukax app ukan ukat online ukan suma uñt'ayatawa, ukat SBS ukan kamachinakaparjamaw qullqi churawi yatiyawinakax utjaraki.

Qhatun jikisiñataki

Prexpe ukax yaqha irnaqirinakampi ch'axwasiwa, akhamanakampi: Yape (Peer-to-peer wallet, bankun yanapt'ata), Plin (Jank'aki transfers bankunaka taypi), Ligo (Prepaid card & digital wallet Perú markan), ukat Trii (Stock trading app). Prexpe ukan jach'a mayjt'awipax paya qullqini wallets, janiw FX fees ukat jisk'a qullqi churawinaka ukat yaqha markanakar qullqi apayañataki. Perú markan jach'a uta lurañatakiw lurañ qalltapxi, Chile ukat Paraguay markanakar sarxattaniñataki. Keo Perú (microcredits) ukat GMoney (money-electronic issuer) ukanakampi irnaqasi.

Jaqinakan Lup'inaka ukat K'umarachawi

Google Play ukanx 4.1 estrellas (9.3 K reviews) ukhaniwa, jaqinakax jank'aki apnaqaña, jank'aki transfers ukat FX ukan jach'a yanapt'anakapa sumawa sapxiwa. Ukampis, yaqha jaqinakax KYC ukan jani jank'aki luraña, customer support ukan jan jank'aki jaysañapa ukat jani yatiyasa FX spreads mayjt'ayañapa ukham q'axunaka yatiyapxarakiwa. App ukan chat, email ([email protected]) ukat help center ukanakaw utjaraki; CSAT ukax ~3.9/5 ukhawa. Jaqinakax Prextamo ukax emergencia gastosanakataki, airtime top-ups ukat e-commerce alañataki jank'aki ukat jach'a mayjt'ayawiwa sapxaraki.

Qullqi mayir jaqinakataki yatichawi

Prexpe ukan Prextamo jisk'a qullqi churawi ukax Perú markan jaqinakapatakix mä suma yanapt'äwiwa, jank'aki qullqi munirinakataki. Ukampis, sapa maynix suma amuyumpiw qullqi mayiñapawa ukat taqi kamachinaka suma uñt'añapawa.

Wakisiñanakapa

• Suma uñt'aña: Nayraqataxa, Prextamo ukan interes qullqinakapa, fees ukat taqi kamachinaka app ukan suma uñt'añamawa. Janiw jach'a yatiyata tasas ukanakax utjkiti, ukhamax sapa maynix suma uñt'añapawa.
• Kutt'ayañatakix jach'a amuyuniña: Qullqi mayiñatakix, suma amuyumpiw kutt'ayañatakix qullqi apthapiñamawa. Prexpe ukax automatikukiw qullqix apsusxaraki, ukhamax sapa kuttiw wallet ukan qullqi apthapiñamawa.
• Comparasiña: Prextamo ukax jank'akiwa, ukampis yaqha digital qullqi churirinakampi, ukhamaraki yaqha bankun qullqi churawinakampi comparasiñamawa, juk'amp suma interes ukat kamachinaka jikxatañataki.
• Qullqi sarnaqawi: Prexpe ukax credit bureau ukanakampiw irnaqasi, ukhamax qullqi jan kutt'ayañax credit score ukar jark'aspawa. Suma qullqi sarnaqawi utjañapatakiw suma kutt'ayañamawa.
• App ukan irnaqawipa: Celular app ukan walja irnaqawinakaw utji, ukhamax jani Prextamo mayiñataki, jan ukax qullqi mayjt'ayañataki, recibonaka phuqhañataki ukat criptomoneda apthapiñataki apnaqsipxakim.
• Jaqi uñt'ayaña (KYC): Suma qillqatanakampi ukat jani pantjasiñampi mayiñamawa, ukhamat KYC thakhi jank'aki lurañapataki.

Prexpe ukax Perú markan digital qullqi churawi apnaqañatakix mä jach'a oportunidadawa, janiw bankun uñt'atäxapxiti jan ukax jisk'a qullqini jaqinakataki. Ukampis, sapa maynix suma amuyumpiw qullqi mayiñapawa ukat taqi kamachinaka uñt'añapawa, ukhamat jan jach'a q'axunaka utjañapataki.