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Case Study
Uils
Uils provides financial inclusion for mobility apps drivers in Latam

We helped Uils to enable embedded finances for the gig economy in Latin America.

Client
Uils
Year
2021-2022
Country
Argentina
Industry
Mobility/Fintech
Service
MVP
Outcomes
$1.5MM
Raised in funding
This funding was obtained by Uils in 2024 and allowed the team to expand their business.
The company
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Stack and tools used in the project
Figma
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Three people standing indoors against wood panel and grey walls, one woman in white top and two men in yellow and black tops.
Meet Uils, the Argentinian Fintech That Gives Ride-Hailing Drivers Access to Credit
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Paisanos
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Uils logo in white on a red and pink abstract background.Close-up of a smartphone screen corner showing the Uber app icon next to a red app icon with a winking smiley face.

UILS addresses a critical challenge faced by many mobility app drivers who do not own their vehicles. These drivers often perceive up to 40% less monthly income compared to those who own their vehicles.

The financial burden of renting or leasing a car significantly cuts into their earnings, leaving them with less take-home pay and limited financial flexibility. This income disparity makes it difficult for drivers to improve their financial situation or invest in their own vehicle, which could boost their earnings and provide greater job security.

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Portrait of Carlos David Gutierrez with Uber logo and testimonial text in Spanish on a green background.Illustration showing a person offering a shopping bag through a window with a price tag and another person holding a large credit card, promoting instant earnings advance.Tweet from Uils asking if you need money for a repair but won't get paid until next week, offering a solution.
Smiling man with beard driving a car with overlaid text 'Adelantos inmediatos' and Uils logo.

We began conducting user interviews to better understand the drivers' pain points and tasks.

Using the information gathered during the research, we held several sessions to define and scope the functionalities for the MVP.

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Four diverse people participating in video interviews, with text about focusing on app prototype testing with real drivers.Smiling pink square icon with a winking face and Palenca logo above it, with text describing an easy, fast, and reliable API connection for importing drivers data from mobility apps.Smiling man wearing a seatbelt seated inside a car, identified as Uber driver Carlos David Gutierrez since 2018.Mobile screen showing a platform selection with purple Cabify, black Uber, orange DiDi, and dark blue Beat app buttons for connecting mobility apps.
Two yellow figures placing large coins into a pink piggy bank, with a speech bubble showing an upward arrow and a dollar sign.Woman in a beige jacket sitting in the driver's seat of a car, holding the steering wheel and looking to her right.User interface card prompting to enter vehicle data for better benefits, showing a silver sedan car and a button labeled 'Go to Load'.
Text card with the name Sofía Perez Saldivar, Uber logo with 'Uber Driver since 2018', and a quote in Spanish about immediate advances changing daily work approach.
Notification on car driver photo saying $12,523 available to advance for past trips with zero interest.

In addition to our research and scoping efforts, we developed a custom design system that included all the app components.

This design system was meticulously crafted to ensure consistency and coherence across the entire user interface, providing a unified visual and functional experience. It encompassed everything from buttons, icons, and typography to color schemes, layouts, and interactive elements.

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Reusable components for a scalable and consistent product

Mobile app screen showing user Daniel's available balance of $13,859.40, an option to withdraw money, recent transactions, and statistics.Profiles of five drivers with photos and their respective ride service icons: Mario Rinaldi Cabify, Arnaldo Gómez Uber, Josefina Leloir Didi, Sofía Ramirez Beat, and María Santos Uber.
Loan repayment detail showing $3,000 advance with $2,820 repaid out of $3,210, next automatic debit on August 25, $3,000 credited to account requested on August 19, and regulatory information with interest rates TNA 43%, TEA 52.57%, CFTEA 66.42%.Mobile screen showing financial transactions with names, dates, and amounts in green and red, including entries for Gutierrez Juan Carlos, Cabify, and Uber.

We used Palenca, an API as a service startup to obtain user's income information from the mobility apps.

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Smiling pink square icon with a winking face and Palenca logo above it, with text describing an easy, fast, and reliable API connection for importing drivers data from mobility apps.Mobile screen showing a platform selection with purple Cabify, black Uber, orange DiDi, and dark blue Beat app buttons for connecting mobility apps.
Mobile phone screen showing a profile page with vehicle details Chevrolet Onix 1.4 LT, connected apps Uber and Cabify, and weekly statistics including 150 worked hours and 42 completed trips.Illustration of two people shaking hands under a signed contract with check marks, and text offering interest-free advances for $200 per week with subscription button.
Man with beard and mustache wearing a navy blue shirt with arms crossed in front of a light blue circular background.

"The team energy and commitment with our project was amazing. They were extremely aligned with our interests."

Message from Tomás Costanzo  |  Founder & CEO
Mobile phone screen showing an app for managing earnings from mobility apps, surrounded by illustrations of people handling money, a bomb, and a secure vault.Twitter post from Uils encouraging early payment access with an illustration of a person standing on another's shoulders to pick coins from a money tree.