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#thesis#infrastructure-gap#latam
The $250 Billion Gap: Closing It Takes Rails, Not Rhetoric
Synthesizing 19 posts into a closing thesis. The LATAM infrastructure gap requires new financial rails , not better banks, not more policy.
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Articles about alternative financing, tokenization, and LATAM markets.
#Case Studies
The Data Moat: Every Simulation Compounds Our Advantage (Build in Public #3)
How the DOB simulator builds a proprietary LATAM infrastructure risk dataset. 8 data points per simulation. The flywheel of predictive underwriting.
#Global Markets
LATAM Fintech Regulation: The Convergence Window Is Now
Chile Fintech Law, Mexico Ley Fintech, Colombia sandbox, Bermuda Class M. How regulatory frameworks are aligning for alternative finance.
#Financing
What LPs Need to Know About LATAM Infrastructure Yield
Returns of 8-22% by country. Pool reserves, DOB's fee model, Bermuda regulation. The post you forward to family offices.
#Case Studies
From Simulator to Funded Asset: The 8-Stage Journey (Build in Public #2)
How we designed a funnel where everything is free until traction. The philosophy behind 8 stages from simulation to funded asset.
#Tokenization
We Connect to Your Tax Authority: Revenue Verification That Doesn't Trust Spreadsheets
SII, SAT, SUNAT, DIAN , how tax authority integration replaces self-reported financials with government-verified revenue data.
#Tokenization
Stellar for Non-Technical Operators: Settlement in 5 Seconds, Fees Under a Cent
How Stellar blockchain works for infrastructure finance. Franklin Templeton's $300M+ fund, 3-5 second settlement, and why it matters for your asset.
#Global Markets
Dollarized Economies: Why Panama and Ecuador Change the Math
FX risk adds 3-4% hidden cost to local-currency financing. Dollarized markets eliminate it , but bring their own dynamics.
#Case Studies
Data Centers, SaaS, and the Assets Banks Don't Understand
10 asset types analyzed by bank accessibility, cash flow predictability, and liquidity. Why unbankable doesn't mean unfinanceable.
#Global Markets
Uruguay and Paraguay: The Hidden Markets Where PYME Credit Costs 21-37%
Contrarian thesis: two overlooked markets where SMEs pay some of LATAM's highest rates. BCU data proves it. DOB saves 5.5-8pp.
#Global Markets
Brazil: The $300B Giant Beyond BNDES
Brazil's PYME credit market is massive and broken. BNDES reaches 2% of SMEs. The other 98% pay 24%+. Deep dive into LATAM's largest economy.
#Global Markets
Peru: The Biggest Opportunity in LATAM Credit Markets
Peru has the OECD's largest PYME-corporate spread at 20pp. SBS data reveals a $40B+ credit gap. Deep dive into the market DOB was built for.
#Financing
Interest-Only vs. Amortization: Which Structure Works for LATAM Operators
Worked examples comparing repayment structures for infrastructure financing. The kind of post operators bookmark and share.
#Tokenization
Tokenization Is Infrastructure, Not Speculation
A clear line between tokenization as financial infrastructure and crypto speculation. What Franklin Templeton, SWIFT, and Stellar tell us about the future.
#Case Studies
Building a Rate Engine for 10 Countries: What We Learned (Build in Public #1)
The story of building a pricing engine for LATAM infrastructure. We got it wrong first. Here's what we learned from v1 to v4.
#Financing
Your Asset Generates Revenue. Why Does the Bank Care About Your Credit Score?
The shift from evaluating borrowers to evaluating assets. How asset-based lending works and why it's more aligned with operator reality.
#Global Markets
The PYME-Corporate Divide: Why Small Companies Pay 2-3x for the Same Capital
Country-by-country OECD data on the PYME-corporate rate spread. Peru has the largest in the OECD. This gap is inefficiency, not risk.
#Financing
Policy Rate vs. Real Rate: Why the TPM Has Nothing to Do with What You Pay
When central banks cut rates, headlines say credit gets cheaper. For SMEs, nothing changes. Here's the data on the broken transmission mechanism.
#Financing
Why Banks Say No: 8 Structural Barriers That Block Asset Operators
Banks don't reject SME operators out of malice. The system is structurally designed to exclude them. Here are the 8 barriers.
#Financing
The Real Cost of SME Credit in Latin America: A Data-Driven Analysis
We mapped what SMEs actually pay for credit across 10 LATAM countries. The spreads vs. corporate rates are staggering , and nobody publishes them.