Corporate Information and Transparency
Last updated: October 18, 2026
Corporate Transparency
At Pinguino Capital S.A.S., we believe that trust is built on clear business relationships, defined responsibilities, and verifiable processes.
That is why our operation is based on a business structure that integrates technology services, operational management, commercial relations, and compliance mechanisms, with the support of specialized financial providers.
Our commitment is to provide clients, business partners, and financial institutions with clear information about our corporate identity, our operating model, and the responsibilities we assume in delivering our services.
OUR CORPORATE IDENTITY
Pinguino Capital S.A.S.
Pinguino Capital S.A.S. is a company incorporated in Colombia that develops technological solutions and business support services focused on the management, coordination, and orchestration of domestic and international payments.
Through its technological infrastructure, the company streamlines onboarding, validation, operational management, and disbursement coordination processes, integrating different financial providers and channels based on the specific needs of each transaction.
PinguinoPay is one of the technological solutions developed and operated by Pinguino Capital S.A.S.
The company may establish business relationships directly with its clients, as well as participate in collaboration agreements and corporate alliances to provide specialized services.
OUR BUSINESS MODEL
Direct trade relationships
Pinguino Capital S.A.S. maintains the capacity to contract directly with companies, digital platforms, and other organizations that require operational support and payment orchestration services.
In these relationships, the company establishes the corresponding commercial and operational terms, including the mechanisms for receiving funds, validating beneficiaries, and coordinating disbursements.
Partnerships and Commercial Agreements
Pinguino Capital S.A.S. also engages in business collaboration agreements through which it provides technological, administrative, and operational services to other companies.
These agreements allow specific responsibilities to be established between the parties, respecting the legal and commercial independence of each organization.
Business independence
Pinguino Capital S.A.S. conducts its business activities under its own legal identity and maintains independent contractual relationships with clients, suppliers, and strategic partners.
Participation in commercial alliances does not limit your ability to provide services to third parties, nor does it modify the responsibilities established in each contractual relationship.
OUR OPERATIONAL INFRASTRUCTURE
The company develops and manages orchestration technology that coordinates various components of a payment operation from a centralized infrastructure.
This model includes:
Onboarding and validation: identification and verification processes for customers, companies, and beneficiaries.
Operational management: coordination of instructions, validations, and processes associated with operations.
Multi-rail orchestration: integration with financial institutions, payment providers, and specialized partners.
Traceability: tracking of operations and retention of supporting information.
Operational continuity: provider diversification and contingency mechanisms to reduce dependencies.
Specialized financial services required to execute certain transactions are provided by the corresponding providers, in accordance with their applicable capabilities and authorizations.
NATURE OF OPERATIONS
The volume and frequency of disbursements managed by Pinguino Capital S.A.S. are tailored to the operational needs of its clients and documented commercial obligations. The company coordinates these transactions within the scope of its contractual agreements, ensuring the identification of counterparties, full traceability of funds, and the validation of corresponding beneficiaries.
CLARITY OF RESPONSIBILITIES
Our model is based on identifying the responsibilities of each participant.
Clients and business counterparties
They establish the corresponding contractual relationships, provide the required information, and support the origin and purpose of their operations.
Pinguino Capital S.A.S.
Develops and manages the technological infrastructure, executes contracted operational processes, coordinates applicable validations, and manages payment and disbursement instructions within the scope of its agreements.
Specialized financial providers
They participate in the execution of financial services, processing, conversion, custody, or disbursement, as applicable to each transaction and the service provided.
Beneficiaries
They are enrolled and validated in accordance with applicable procedures before receiving the corresponding disbursements.
This distribution of responsibilities helps maintain an operational structure that is clear, documented, and verifiable.
CORPORATE GOVERNANCE AND RESPONSIBLE MANAGEMENT
Pinguino Capital S.A.S. maintains administrative, accounting, contractual, and operational processes designed to support the proper management of its activities.
The company has specialized professional support in accounting and legal matters, and maintains documentation related to its incorporation, legal representation, business relationships, and corporate activities.
Its structure and procedures are reviewed and updated in line with the evolution of its operations and applicable requirements.
COMPLIANCE AND RISK MANAGEMENT
Risk management is an integral part of our operational infrastructure.
PinguinoPay features a specialized section detailing our procedures for Know Your Customer (KYC), Know Your Business (KYB), Know Your Transaction (KYT), verification of source of funds, watchlists, monitoring, and due diligence.
INSTITUTIONAL DOCUMENTATION
As part of our transparency and due diligence processes, we make relevant corporate, contractual, and operational documentation available to authorized counterparties, in accordance with the nature of each business relationship.
This documentation may include:
Certificates of existence and legal representation.
Single Tax Registry (RUT).
Information on corporate structure and legal representation.
Description of the business model and operational flows.
Information on compliance policies and procedures.
Commercial, financial, and contractual supporting documentation, where applicable.
The delivery of documentation is subject to the applicable validation, confidentiality, and information protection processes.
LEGAL FRAMEWORK AND POLICIES
Our services are backed by contractual documents and policies that establish the terms applicable to relationships with clients, users, and counterparties.
INSTITUTIONAL CONTACT
For corporate inquiries, requests for institutional documentation, or due diligence processes, you can contact our team at:
For matters specifically related to compliance:
TRANSPARENCY THAT SUPPORTS EVERY BUSINESS RELATIONSHIP
We believe that a reliable infrastructure begins with a clear business structure, documented processes, and well-defined responsibilities.
At Pinguino Capital S.A.S., we work so that our clients and partners can carry out their operations with greater visibility, continuity, and confidence.
PinguinoPay. Technological infrastructure for global operations.
