Protecting the value of money in Latin America
Multi-currency savings, digital gold, and collective trust in one platform.
Meet the Founder
With over 25 years of experience in the currency exchange industry, Eduardo Chávez is the founder of Divinter Divisas. He has a solid banking background and has operated in multiple states across Mexico.
At its peak, Divinter managed over 20 exchange branches and processed thousands of transactions daily. That operational experience — understanding how money moves legally and securely across borders — became the foundation for his next chapter: Black Ór, a fintech built to protect value and modernize how Latin Americans save, exchange, and send money globally.
Not another Revolut or Wise — Black Ór was born in Latin America, solving problems unique to our region, where saving in dollars isn’t luxury… it’s survival.
The Problem We’re Solving
- Millions in Latin America can’t access digital USD or EUR accounts — only physical cash.
- Local currencies lose value every year due to inflation and devaluation.
- Exchange houses are shutting down, leaving users unbanked or underserved.
- Banks and remittance apps apply abusive FX spreads and fees.
- Migrants lose up to 10–15% of their money when sending remittances to LATAM.
- Small businesses and independent workers can’t access fair or trust-based credit.
- Consumers lack safe, transparent, and multi-currency tools to protect their savings.
Our Solution
Black Ór: A premium multi-currency and gold wallet for savers and small businesses across LATAM, offering liquidity in USD + EUR + JPY + GBP + CHF + XAU (Gold) with AI-driven personalized FX rates.
Ór-ale Pay: A financial app for U.S.-based migrants to send fee-free digital remittances directly to family sub-cards in Latin America, keeping balances in USD and preserving value against devaluation.
DTCC – Digital Trust Circles of Credit: A groundbreaking collective credit model where small groups (3–10 members) can access loans together, based on mutual trust, transparency, and repayment behavior. Inspired by proven microcredit systems worldwide with less than 3% default rates, now reimagined for the digital era.
How we differ from Wise, Revolut, and Nubank: We merge liquidity, gold, and collective trust — connecting U.S. senders with LATAM families and entrepreneurs. We preserve value, expand access, and digitize confidence itself.
Pitch Deck
View / Download Investor Deck (PDF)
Investment Proposal
We are raising $2M USD to scale our backend, compliance, and go-to-market strategy.
We welcome conversations with VCs, angel investors, and accelerators. Cap table and valuation details available upon request.
Let’s Connect
Email: eduardo@blackor.us
SMS/WhatsApp: +1 (206) 747-4078