~/portfolio / active / kleva
Kleva
Agentes de IA que cobram dívidas na América Latina com 25% mais recuperação e 70% menos custo. Compliant em seis países desde o primeiro dia.
A cobrança de dívidas na América Latina é um workflow de US$ XX bilhões feito com os mesmos call centers de 1995. A Kleva substitui o cobrador humano por uma IA que liga, manda mensagem, e-mail e chat (trata disputas, promessas de pagamento, documentação) de ponta a ponta até a resolução. 25% mais recuperado. 70% menos custo.
Por que investi
Setor chato, TAM monstruoso. Todo banco, toda fintech, todo provedor de BNPL na América Latina tem um problema de cobrança. O comprador é o CFO, não o CTO. O movimento de vendas é direto: “recuperamos 25% a mais para [cliente de referência]”. Os números fazem o trabalho.
Compliance como moat, país por país. A Kleva é compliant no México, Brasil, Colômbia, Guatemala, Equador, Peru, cada um com regulações diferentes sobre frequência de contato, scripts, escalonamento. Essa camada regulatória é exatamente o tipo de moat que eu acho que de fato se sustenta em IA na América Latina. Cada país adiciona custo de troca.
O tipo certo de substituição. Esse é um trabalho desumano, repetitivo, roteirizado, emocionalmente exaustivo. Substituí-lo por IA é o movimento canônico de “deixar humanos fazerem coisas humanas”. Os poucos humanos que sobram no loop viram gestores e tratadores de exceções, que é o trabalho melhor.
A aposta
Os serviços financeiros da América Latina são um gigante adormecido para aplicações de IA. A Kleva está no workflow de maior alavancagem, com a economia unitária mais limpa. Se mantiverem a curva de custo por recuperação em queda, viram infraestrutura.
$ founders
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