Sebastián Serrano

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Sebastián Serrano
Born (1981-04-04) April 4, 1981 (age 40)
Buenos Aires, Argentina
Nationality Argentina
Education National University of La Plata
Occupation entrepreneur and software developer
Known for Bitcoin and cryptocurrency specialist, CEO and co-founder of Ripio

Sebastián Serrano (Buenos Aires, April 4, 1981) is an Argentinian entrepreneur and software developer, Bitcoin and cryptocurrency specialist and CEO and Co-Founder of Ripio, a fintech company based in Blockchain technology. Ripio is one of the earliest and largest crypto-companies in Latin America and currently has over 300,000 users.[1][2]


Sebastián Serrano was born in Buenos Aires, but soon after his family moved to Choele Choel,[3] a city located in Río Negro province, in the region of Patagonia.[4] During his teens, he learnt software programming and helped to develop the first Internet service provider in his hometown.[5][6][7] Then, he studied Computer Science[8] at the National University of La Plata.[4][9]

Sebastian played major roles in several fintech startups such as PayMentez, Moni[10] and MetaTiendas.[11] He also served as a network security administrator at the Ministry of Economy of the Province of Buenos Aires[12] and as the CTO at Internet Winds AG S.A.[13]

In 2007 he founded devsAr, a web and mobile software development company for startups across Latin America based in Argentina.[4]

He was considered one of the top 20 fintech influencers of Argentina by Techfoliance.[14]


In 2012 he became interested in the potential of cryptocurrencies and created BitPagos, the first bitcoin payment processor in Latin America.[15]

BitPagos was developed under the foreign currency controls established in Argentina during the presidency of Cristina Fernández de Kirchner, where it was difficult to exchange Argentina pesos to American dollars.[16] The app allowed people in Argentina to do international transactions through cryptocurrencies instead of local currency and avoid the restrictions of the Argentine economy.[7] In the other hand, BitPagos allowed to keep savings in Bitcoin and hence avoid losing the value of money in a rapidly depreciating money like the Argentine peso, where the inflation rate is high.[17][18]


In 2014, Sebastian and part of his former team at BitPagos launched Ripio, a web and mobile app that offers several Blockchain-based services, such as a digital wallet, fiat-to-crypto brokerage and credit and payments solutions.[19][20][21][22][23][24]

In late 2015, the company acquired Unisend -at the time, the only peso-to-bitcoin exchange in Argentina-[7] and in mid 2016, Ripio became the first crypto wallet to extend online loans, offering 30-day payments and installment plans to make online purchases without the need of a credit card or a bank account.[15]

In 2017 Ripio launched a project called Ripio Credit Network (RCN),[25] which was conceived as an Ethereum-based peer-to-peer credit protocol that connects lenders and borrowers anywhere in the world and on any currency through smart contracts.[25][26][27] A token sale associated with the RCN project raised $37 million worth of cryptocurrencies.[22][1][28]

In 2018 Ripio was the sole Argentine company included in the Fintech100 list, a ranking conducted by KPMG that selects the most innovative startups of the year.[29]

In 2019, Ripio was selected by Visa for their startup acceleration program in Brazil and by Google for the Launchpad Accelerator program in Mexico.[30][31]

Ripio has been funded by Silicon Valley investors[4] like Tim Draper,[32][33] Pantera Capital,[34] Medici Ventures,[35] Digital Finance Group and Digital Currency Group,[36] and has raised over $6 million in several investment rounds.[37]


  1. 1.0 1.1 Fenech, Gerald. "Interview: A Journey From Poverty To Banking The Unbanked in Argentina" (in en). 
  2. "Ripio Is Launching a Crypto Exchange for 3 Latin American Nations" (in en-US). 
  3. "BitPagos, now Ripio, lands $1.9M to promote financial inclusion in South America using bitcoin" (in en-US). 
  4. 4.0 4.1 4.2 4.3 "La billetera virtual que viajó de Choele a los Estados Unidos" (in es-ES). 2017-08-18. 
  5. Casabona, Pablo (2014-09-10). "Sebastián Serrano: El argentino que decidió apostar todo al mundo bitcoin" (in es). 
  6. "Los argentinos que ya están en el Blockchain" (in es). 
  7. 7.0 7.1 7.2 "Sebastián Serrano: "Bitcoin y las criptomonedas son el dinero conviertiéndose en software"" (in es-ES). 
  8. "Historia de un "criptorromance ": la Argentina y la moneda digital" (in es). 2017-08-06. 
  9. "Gurúes digitales argentinos quieren crear un mundo "econo-friendly"" (in es-AR). 2017-12-01. 
  10. "Ripio (RCN)". 
  11. "Bitpagos, el primer sistema de pago que opera con bitcoins para América Latina" (in es-ES). 2013-05-15. 
  12. "Ripio Credit Network is Sinking: Past-ICO Review" (in en-US). U.Today. 2018-07-18. 
  13. "Impact on Developing World | SXSW 2015 Event Schedule". 
  14. "Mapping of the 20 must-know Fintech Influencers in Argentina" (in en-GB). 2017-09-20. 
  15. 15.0 15.1 "BitPagos uses the blockchain to enable credit for online payments in emerging markets" (in en-US). 
  16. "Argentina tightens dollar exchange controls". BBC. 1 November 2011. Archived from the original on 27 September 2016. Retrieved 14 October 2019. 
  17. Popper, Nathaniel (2016). Digital gold : Bitcoin and the inside story of the misfits and millionaires trying to reinvent money (First ed.). New York, NY: HarperCollins. pp. 278. ISBN 9780062362490. OCLC 903213020. 
  18. Vigna, Paul (2016). The age of cryptocurrency : how bitcoin and the blockchain are challenging the global economic order (First ed.). New York, N.Y.: Picador. ISBN 9781250081551. OCLC 905685686. 
  19. "Ripio, la billetera digital, recibió nueva capitalización" (in es-AR). 
  20. Higgins, Stan (2017-01-03). "BitPagos Raises $1.9 Million in Funding, Rebrands as Ripio" (in en-US). 
  21. "Presentan Ripio, un sistema para comprar Bitcoins en los kioscos argentinos" (in Spanish). 2014-08-13. 
  22. 22.0 22.1 Cuen, Leigh (2018-09-05). "Ripio Rolls Out Crypto-Powered Loans Across Latin America" (in en-US). 
  23. "Los argentinos que ya están en el Blockchain" (in es). 
  24. "Loan processing service utilizing a distributed ledger digital asset as collateral. United States Patent Application: 0180075421". 
  25. 25.0 25.1 "Ripio Credit Network launches, aiming to attack bank loan fees in emerging markets" (in en-US). 
  26. Template:Cite patent
  27. "Loan processing service utilizing a distributed ledger digital asset. United States Patent Application: 0160371771". 
  28. "Potencia argentina para un universo virtual" (in es). 2018-09-20. 
  29. "Ripio fue seleccionado entre los cien proyectos fintech más innovadores del mundo" (in es-ES). 
  30. "Visa do Brasil e Google vão acelerar fintech de Bitcoin e criptomoedas" (in pt-BR). 2019-04-18. 
  31. Quirós, Fernando (2019-04-17). "Ripio fue elegida entre las startups que impulsa Google con Launchpad Accelerator en México" (in es). 
  32. "Por el cepo, creó una app para pagar cuentas con bitcoin" (in es). 2018-03-21. 
  33. "Tim Draper: "Los países tendrán que competir por los mejores ciudadanos "" (in es). 2017-12-20. 
  34. "Pantera Capital Already Raises Over $70 Million for Its Third Crypto Fund" (in en-US). 2018-08-16. 
  35. "Medici Ventures invests in Ripio to bring bitcoin to the unbanked in Latin America". 2017-05-04. 
  36. "Criptocrédito: Ripio permite solicitar préstamos en pesos" (in es-ES). 
  37. "Ripio Credit Network (RCN): Beginners Guide | What You Need to Know" (in en). 2019-04-03. 

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