ceo @eldoradoio ☀️ | Building a stablecoin-powered SuperApp for Latin America 🌎 | UC Berkeley @SkyDeck_Cal
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Joined December 2010
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Four years ago, we started @eldoradoio to fix one thing: moving money across borders should be as easy as sending a message.
Today, I'm proud to share that El Dorado has raised a $9 million Series A led by @paradigm, with participation from @cbventures and @VerdaVentures.
Guille Goncalvez retweeted
Overcollateralized lending only works for people with access + liquidity. The unseen need another way in: unsecured credit underwritten on behavior and alt data, no collateral. Grateful to @eldoradoio and others building with us. We're starting the onchain credit transformation!
Watch: @stablecoing on why @eldoradoio partnered with @talamobile instead of building credit themselves 👇
Most of onchain credit today = lock $100 to borrow $90. Tala is unsecured: no collateral, underwritten on behavioral signals. $9B+ lent to 14 million people globally. Now embedded in the wallets people already trust.
Once live, customers can go from offer to USDT in seconds, settled onchain on @tempo.
Guille Goncalvez retweeted
Watch: @stablecoing on why @eldoradoio partnered with @talamobile instead of building credit themselves 👇
Most of onchain credit today = lock $100 to borrow $90. Tala is unsecured: no collateral, underwritten on behavioral signals. $9B+ lent to 14 million people globally. Now embedded in the wallets people already trust.
Once live, customers can go from offer to USDT in seconds, settled onchain on @tempo.
Guille Goncalvez retweeted
Credit is a trust loop. We extend trust first before we ask for it back. That's why uncollateralized credit matters, and why it scales best inside a wallet people already trust like @eldoradoio.
.@stablecoing, CEO of @eldoradoio, says users in Bolivia will soon be able to borrow USDT without collateral inside the El Dorado app.
Tala is putting up the capital, and the plan is for those loans to grow into revolving credit lines as people repay on time.
Guille Goncalvez retweeted
.@stablecoing, CEO of @eldoradoio, says users in Bolivia will soon be able to borrow USDT without collateral inside the El Dorado app.
Tala is putting up the capital, and the plan is for those loans to grow into revolving credit lines as people repay on time.
Guille Goncalvez retweeted
Today, I’m extremely excited to announce @eldoradoio's first stablecoin-powered credit product, in partnership with @talamobile and powered by @tempo ! 🚀
Access to credit remains one of the biggest barriers to economic growth in Latin America. Millions of people are excluded from traditional lending simply because they lack the documentation, credit history, or collateral banks require.
We believe access to credit should be determined by your potential, not just your paperwork.
Starting in Bolivia, eligible El Dorado users will be able to open their wallets, access pre-qualified credit offers, and receive funds in seconds, directly in USDT.
Loans will be disbursed and repaid onchain through Tempo, with Tala providing the capital and taking on the credit risk.For us, this is about much more than launching another financial product.
Stablecoins shouldnt just make it easier to move money. They should unlock entirely new financial opportunities.
By combining El Dorados distribution with Talas lending infrastructure, were taking another step toward making financial services more accessible to millions of Latin Americans.
Our ambition is to build the financial infrastructure that accelerates economic growth across Latin America, and expanding access to credit is a fundamental part of that mission.
Special thanks to the rockstar team that made this partnership possible: @shivsiroya @0xskittles @Santiaestrada93 @andreujuanc @exk200 @teresagrandia @Crisaudy_ and many others
We're just getting started. 🌎
@Tala is bringing uncollateralized credit into the @eldoradoio wallet: offer to USDT in seconds, settled onchain on @tempo. Starting in Bolivia, with more of LatAm to come.
@eldoradoio is on 🔥 and we're excited to keep turning up the heat.
linkedin.com/posts/shivanisi…
Guille Goncalvez retweeted
Awesome to see these real-world, stablecoin credit applications taking off on Tempo
cc @eldoradoio @talamobile
Tala is partnering with @eldoradoio to bring embedded credit into its wallet, launching first in Bolivia.
Uncollateralized consumer credit is hard to come by in Latin America. Once live, customers can get access in seconds in USDT on @tempo.
Learn more: tala.co/blog/2026/10/20/tala…
Guille Goncalvez retweeted
Tala is partnering with @eldoradoio to bring embedded credit into its wallet, launching first in Bolivia.
Uncollateralized consumer credit is hard to come by in Latin America. Once live, customers can get access in seconds in USDT on @tempo.
Learn more: tala.co/blog/2026/10/20/tala…
Guille Goncalvez retweeted
credit is one of the most underrated use cases for stablecoins
fewer than 1 in 10 bolivians can get a loan from a bank. now @eldoradoio users can get a pre-qualified offer and USDT in seconds, with @talamobile underwriting and everything settling on @tempo
been a pleasure working with both teams on this!
Today, I’m extremely excited to announce @eldoradoio's first stablecoin-powered credit product, in partnership with @talamobile and powered by @tempo ! 🚀
Access to credit remains one of the biggest barriers to economic growth in Latin America. Millions of people are excluded from traditional lending simply because they lack the documentation, credit history, or collateral banks require.
We believe access to credit should be determined by your potential, not just your paperwork.
Starting in Bolivia, eligible El Dorado users will be able to open their wallets, access pre-qualified credit offers, and receive funds in seconds, directly in USDT.
Loans will be disbursed and repaid onchain through Tempo, with Tala providing the capital and taking on the credit risk.For us, this is about much more than launching another financial product.
Stablecoins shouldnt just make it easier to move money. They should unlock entirely new financial opportunities.
By combining El Dorados distribution with Talas lending infrastructure, were taking another step toward making financial services more accessible to millions of Latin Americans.
Our ambition is to build the financial infrastructure that accelerates economic growth across Latin America, and expanding access to credit is a fundamental part of that mission.
Special thanks to the rockstar team that made this partnership possible: @shivsiroya @0xskittles @Santiaestrada93 @andreujuanc @exk200 @teresagrandia @Crisaudy_ and many others
We're just getting started. 🌎
Guille Goncalvez retweeted
El Dorado is bringing embedded credit into the wallet its customers already use.
Starting in Bolivia, eligible users will be able to borrow without collateral, with @talamobile providing the capital and loans disbursed and repaid in USDT on @tempo.
Learn more in @stablecoing's post below:
Today, I’m extremely excited to announce @eldoradoio's first stablecoin-powered credit product, in partnership with @talamobile and powered by @tempo ! 🚀
Access to credit remains one of the biggest barriers to economic growth in Latin America. Millions of people are excluded from traditional lending simply because they lack the documentation, credit history, or collateral banks require.
We believe access to credit should be determined by your potential, not just your paperwork.
Starting in Bolivia, eligible El Dorado users will be able to open their wallets, access pre-qualified credit offers, and receive funds in seconds, directly in USDT.
Loans will be disbursed and repaid onchain through Tempo, with Tala providing the capital and taking on the credit risk.For us, this is about much more than launching another financial product.
Stablecoins shouldnt just make it easier to move money. They should unlock entirely new financial opportunities.
By combining El Dorados distribution with Talas lending infrastructure, were taking another step toward making financial services more accessible to millions of Latin Americans.
Our ambition is to build the financial infrastructure that accelerates economic growth across Latin America, and expanding access to credit is a fundamental part of that mission.
Special thanks to the rockstar team that made this partnership possible: @shivsiroya @0xskittles @Santiaestrada93 @andreujuanc @exk200 @teresagrandia @Crisaudy_ and many others
We're just getting started. 🌎
Today, I’m extremely excited to announce @eldoradoio's first stablecoin-powered credit product, in partnership with @talamobile and powered by @tempo ! 🚀
Access to credit remains one of the biggest barriers to economic growth in Latin America. Millions of people are excluded from traditional lending simply because they lack the documentation, credit history, or collateral banks require.
We believe access to credit should be determined by your potential, not just your paperwork.
Starting in Bolivia, eligible El Dorado users will be able to open their wallets, access pre-qualified credit offers, and receive funds in seconds, directly in USDT.
Loans will be disbursed and repaid onchain through Tempo, with Tala providing the capital and taking on the credit risk.For us, this is about much more than launching another financial product.
Stablecoins shouldnt just make it easier to move money. They should unlock entirely new financial opportunities.
By combining El Dorados distribution with Talas lending infrastructure, were taking another step toward making financial services more accessible to millions of Latin Americans.
Our ambition is to build the financial infrastructure that accelerates economic growth across Latin America, and expanding access to credit is a fundamental part of that mission.
Special thanks to the rockstar team that made this partnership possible: @shivsiroya @0xskittles @Santiaestrada93 @andreujuanc @exk200 @teresagrandia @Crisaudy_ and many others
We're just getting started. 🌎
@Tala is bringing uncollateralized credit into the @eldoradoio wallet: offer to USDT in seconds, settled onchain on @tempo. Starting in Bolivia, with more of LatAm to come.
@eldoradoio is on 🔥 and we're excited to keep turning up the heat.
linkedin.com/posts/shivanisi…
Hay una oportunidad enorme para ser el partner de cualquier internet business en LATAM.
Startups, SaaS, e-commerce escalando, creadores monetizando. Todos necesitan lo mismo: Acceso a los métodos de pago donde está su cliente.
Nosotros ya los tenemos.
El internet business en LATAM que, sin querer, ya es global necesita un partner. Ese somos nosotros.
The Whop playbook is coming to LatAm payments.
“A company that I really admire in the US and that has done a great job lately is Whop.”
“The way they partner with digital entrepreneurs, and they provide them with all the financial stack and even one person companies, like influencer based companies.”
“There’s an interesting opportunity for us to be the partner of many companies who want to sell online in LatAm and want to have access to all the 70+ local payment methods that we support at El Dorado.”
@stablecoing, Co-Founder & CEO of @eldoradoio
Un dato importante sobre El Dorado Business: Sin volumen mínimo. Sin costo de apertura. Sin mantenimiento.
Lo aclaro porque estamos trabajando con importadores y su principal obstáculo para acceder a infraestructura financiera suele ser demostrar volumen, tener cuenta en el exterior o pagar fees que solo cierran para empresas grandes.
Para nosotros, el que está cerrando su primer contrato con China y el que lleva diez años haciéndolo acceden al mismo rail.
El tamaño de tu empresa no debería definir tu acceso al sistema financiero.
“El Dorado dollar dream”: earn in dollars, spend in your local currency.
That’s what we build. That’s what we stand for.
“The US dollar is the single best financial product to ever be created.”
“It’s a product that we, as entrepreneurs, should make easily available to everyone in the world and especially to the ones needing it the most. Venezuelans, Argentinians, Bolivians are among those.”
@stablecoing, Co-Founder & CEO of @eldoradoio, echoing his friend @FerdiDabitz, Co-Founder & CEO of @augustus_bank
Es gracioso que mis amigos argentinos, bolivianos, paraguayos y venezolanos piensan en España como su destino ideal para retirarse
Y mis amigos españoles piensan en Paraguay, Venezuela, Argentina y Bolivia para retirarse
Les pasa?
Great to be back on @stabledash discussing the rise of stablecoin adoption across Latin America! 🚀
“In countries like Bolivia, people don’t trust their financial institutions.”
A dollar shortage has left Bolivian banks limiting how many dollars people can withdraw, and crypto transactions in the country rose more than 530% in the first half of 2025.
@eldoradoio, a crypto app that Bolivians have turned to, went a step further and opened a physical office in the country.
“That’s simply a continuation of how financial businesses build trust over the past century.” — @stablecoing