Puerto Rico's Top 10 Startups That Tech Professionals Should Watch Out For in 2025

By Chevas Balloun

Last Updated: December 24th 2024

Puerto Rico startup ecosystem and its top 10 innovative companies to watch in 2025.

Too Long; Didn't Read:

Puerto Rico's startup ecosystem is booming in 2025, featuring over 66 active startups and 24.8% growth since 2019. Key players like BrainHi, Skootel, and Zenus Bank are gaining global traction. With $225 million raised, sectors like fintech and e-commerce thrive. Puerto Rico is an emerging tech hub offering roles in AI, blockchain, and sustainable tech.

Puerto Rico's startup scene in 2025 is seriously taking off, with Software & Data leading the way with 30 startups, followed by E-commerce and fintech sectors.

The Bravo Family Foundation just launched an amazing venture fellowship program providing equity funding to early-stage founders, proving how much potential the island has.

Companies like BrainHi, which became the first Puerto Rican startup to join Y Combinator, and Skootel, which revolutionized micro-mobility in the Caribbean, are crushing it.

The ecosystem is getting stronger thanks to initiatives like the AWS Impact Accelerator Latino Founders program, which is backing innovative startups like PilotoMail.

What's super exciting is seeing Puerto Rican entrepreneurs creating solutions that work globally while building locally. With over 66 active startups across different sectors, the island is becoming a legit tech hub.

The opportunities for tech professionals are everywhere, from AI and blockchain positions to roles in sustainable tech. Whether you're a developer, designer, or tech entrepreneur, Puerto Rico's startup ecosystem is the perfect place to make your mark in the industry.

Table of Contents

  • Methodology: How We Chose the Top 10 Startups
  • Kiwi: Empowering Financial Literacy
  • Tea: Revolutionizing Web Development
  • Zenus Bank: Global Access to US Financial Services
  • CB International Bank: Offshore Banking Solutions
  • Intuition: Flexible Knowledge Management
  • FV Bank: Multi-Currency and Investment Options
  • Growth Digital: Transforming Adtech Solutions
  • Ole Insurance Group: Innovative Protection Solutions
  • PRoduce!: Bridging Local Producers and Restaurants
  • PolySwarm: Leading Threat Detection Tools
  • Conclusion: The Future of Puerto Rico's Startups
  • Frequently Asked Questions

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Methodology: How We Chose the Top 10 Startups

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As the tech scene in Puerto Rico heats up, the process of picking the top 10 startups for 2025 has been super exciting. We based our choices on some really specific factors that show which companies are truly making waves.

Our research shows that health tech dominates 38% of the innovative startup landscape, with companies tackling everything from AI-powered healthcare to revolutionary biotech solutions.

The selection process wasn't just about looking at cool tech - we dug deep into the numbers, checking out funding rounds, market presence, and growth trajectories.

What's really interesting is that startups leveraging Puerto Rico's Venture Capital Access Program showed significantly stronger growth potential, especially those focused on creating local jobs and developing tech solutions.

We also looked at real impact factors, not just hype.

Each startup was evaluated based on their ability to solve actual problems and create value. According to our findings, successful startups showed a strong commitment to both innovation and local economic development, particularly those participating in accelerator programs and mentorship initiatives.

The standout companies weren't just building products - they were creating entire ecosystems, with some achieving remarkable 40% annual growth rates. What makes this list different is our focus on startups that are not only crushing it now but are positioned to be game-changers in the next few years.

Each startup on our list has proven they've got what it takes to compete globally while maintaining strong roots in Puerto Rico's growing tech ecosystem.

The data clearly shows that these companies aren't just following trends - they're setting them.

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Kiwi: Empowering Financial Literacy

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Kiwi has totally changed the game since launching in 2020, securing an impressive $80 million in funding to help Latino consumers build solid credit histories.

What makes them stand out is their smart use of AI and machine learning to assess creditworthiness, helping folks who might get ignored by traditional banks. With a growing customer base of over 30,000 users, they're making real progress in tackling the financial challenges that many Latino consumers face.

Their innovative platform offers everything from unsecured loans to payment tools for small businesses, kind of like a Buy Now Pay Later setup but way more comprehensive.

The coolest part? They're not just throwing money at people - they're actually teaching financial literacy and helping users understand how credit works. Through partnerships with major organizations, they provide workshops, online resources, and bilingual support that make complex financial concepts easy to grasp.

What started in Puerto Rico is now spreading across the U.S., targeting the massive Latino market that makes up 18% of the population. With features like credit monitoring, personalized financial advice, and flexible payment options, Kiwi is crushing it in their mission to create better financial futures for underserved communities.

Tea: Revolutionizing Web Development

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Tea Protocol is making waves in San Juan's tech scene as a groundbreaking open-source platform that's changing how developers work and get paid. Led by Max Howell, who created Homebrew (a big deal in the developer world), Tea's innovative framework is all about making open-source development more secure and rewarding.

Their new teaBASE platform brings next-level security features like cryptographic signing and real-time security ratings. Since launching their testnet in February 2024, they've already got 1.7 million developers on board, which is pretty incredible.

Their latest release, teaBASE, is basically a Swiss Army knife for developers, offering everything from secure Git configurations to an extension store where developers can share and use community-built tools.

What sets Tea apart is their focus on solving real problems - they've introduced CHAI, a universal ranking system that helps developers get recognized and rewarded for their work.

This is huge for the open-source community, where getting paid for your contributions has always been a challenge. With features like package management integration and dotfile syncing, Tea is making development workflows smoother and more secure.

Plus, their commitment to building a more equitable ecosystem means developers can focus on creating amazing software while actually getting paid for their impact.

For Puerto Rico's tech scene, having Tea based here is a major win and shows how the island is becoming a serious player in the global tech community.

Fill this form to download every syllabus from Nucamp.

And learn about Nucamp's Coding Bootcamps and why aspiring developers choose us.

Zenus Bank: Global Access to US Financial Services

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Zenus Bank is revolutionizing international banking by making U.S. financial services accessible to everyone, everywhere. As a digital banking platform, they've made it possible for people from over 180 countries to open a U.S. bank account in under 10 minutes without being a U.S. resident.

Their recent launch of a global Banking-as-a-Service platform, lets banks and fintechs worldwide integrate U.S. banking services into their own offerings.

Working with Tuum, they've created a system that handles multi-currency payments and cross-border transactions super smoothly. The bank's commitment to innovation shows in their partnership with Finxact, which upgraded their platform to handle unlimited ACH payments and wire transfers with institutional forex rates.

They're also serious about making a positive impact, signing on to the UN Principles for Responsible Banking and serving clients in over 120 countries. For international students, digital nomads, and global entrepreneurs, Zenus Bank removes the headaches of traditional banking, offering a secure, efficient way to manage money across borders.

Their platform keeps getting better, with enhanced commercial banking features and cutting-edge security measures that make international banking feel as simple as using a local bank account.

CB International Bank: Offshore Banking Solutions

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CB International Bank, established in 2017, has transformed into a powerhouse in Puerto Rico's financial scene by offering game-changing international banking solutions.

As a member of major financial networks including ABA, SWIFT, UnionPay, and CIPS, the bank brings serious credibility to the table.

What makes them stand out is their fresh approach to customized financial solutions, especially for e-commerce businesses dealing with platforms like Amazon and eBay.

Their online banking system is super straightforward, letting users manage multiple currencies without the usual hassles. The bank's partnership with third-party financial advisors has expanded their service range, offering everything from merchant accounts to cash flow management tools.

  • Multicurrency Accounts: Handle USD, EUR, and offshore RMB with zero currency exchange limits
  • E-commerce Solutions: Specialized withdrawal services for European and American platforms
  • Business Services: International transfers, supplier payments, and overseas payroll management

What's really cool is their remote video verification for account opening - no need to show up in person.

They've streamlined the whole process while keeping it secure. For businesses, this means faster account setup with just the essential documents needed. The bank's focus on building an inclusive financial system has attracted both individual and corporate clients looking for efficient offshore banking solutions.

Their growth shows how Puerto Rico is becoming a major player in international finance, creating opportunities for tech professionals and financial experts alike.

Fill this form to download every syllabus from Nucamp.

And learn about Nucamp's Coding Bootcamps and why aspiring developers choose us.

Intuition: Flexible Knowledge Management

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Based on recent data, Intuition is revolutionizing Puerto Rico's startup landscape with its innovative knowledge management platform. The company's approach aligns perfectly with current trends, as research shows that 36% of executives still rely on intuition for decision-making, highlighting the massive opportunity for data-driven solutions.

Their platform tackles a critical challenge in the tech industry, where improved access to information and better decision-making are becoming essential for success.

What makes Intuition stand out is their focus on making knowledge accessible - they've created a system where developers can quickly find what they need, cutting down the frustrating hours spent searching through documentation.

The platform is seriously impressive, and studies have shown that companies using similar systems see major improvements in innovation and customer experience.

The global knowledge management market is expected to hit $1.4 trillion by 2027, and Intuition is perfectly positioned to grab a significant slice of that pie.

Their platform isn't just about storing information - it's about creating a space where developers can collaborate, share insights, and build better solutions together.

For tech professionals looking to level up their game, Intuition offers exactly what's needed to stay competitive in today's fast-paced tech world.

FV Bank: Multi-Currency and Investment Options

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FV Bank is revolutionizing banking in Puerto Rico with its fresh blend of traditional and digital financial services. As a pioneering fintech institution, they've created a seamless experience that connects traditional banking with blockchain innovation.

Their latest game-changing feature includes direct USDT deposits with instant USD conversion, making them the first U.S. digital bank to offer this service. The bank now supports an impressive range of payment options, including cross-border payments in multiple currencies like EUR, GBP, CAD, HKD, SGD, ZAR, and JPY, perfect for international students and digital nomads.

Plus, they've just rolled out new Visa debit and corporate expense cards that work worldwide, making it super easy to access both traditional and digital assets on the go.

The bank's digital platform is seriously impressive, letting users manage everything from regular banking to cryptocurrency investments in one place.

For crypto enthusiasts and businesses dealing with digital assets, FV Bank offers integrated custody services and real-time conversion of stablecoins like USDC and USDT to USD. Their platform includes smart features for tracking expenses, setting spending limits, and managing international payments - all through a straightforward dashboard that doesn't require a finance degree to understand.

What makes FV Bank stand out is their practical approach to modern banking needs.

They've eliminated the usual headaches of international transactions by creating direct deposit options for EUR and other major currencies, with automatic conversion to USD. For businesses, especially tech startups, they offer specialized corporate expense management tools and real-time transaction tracking.

The best part? Everything comes with built-in security features and compliance measures, so you can focus on growing your money instead of worrying about it.

Growth Digital: Transforming Adtech Solutions

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Growth Digital stands out in Puerto Rico's adtech scene by staying ahead of major industry shifts happening in 2025. As research shows, 96% of advertisers believe AI will significantly impact marketing, and Growth Digital is already there, using AI-powered tools to boost client conversion rates by 30%.

Their platform tackles the huge challenge of cookieless advertising head-on, focusing on first-party data and smart contextual targeting that really works for their clients.

What makes Growth Digital different is how they're dealing with the changing digital landscape.

According to industry predictions, quality and transparency in the supply chain are becoming super important.

Growth Digital has built systems that give real transparency into ad performance and let brands see exactly what they're getting for their money. Their tech stack is optimized to reduce ad latency while maintaining effectiveness, something that's crucial since most users now browse on mobile devices.

The results speak for themselves.

While trends indicate video ads will make up 82% of internet traffic by 2025, Growth Digital is already helping clients nail video advertising with AI-driven personalization that's leading to ROI increases of 120%.

They're not just following trends - they're setting them, especially in areas like dynamic creative optimization and privacy-first targeting. Their approach to teaching clients about data analytics is creating a whole new standard for marketing intelligence in Puerto Rico's tech scene.

Ole Insurance Group: Innovative Protection Solutions

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Ole Insurance Group is revolutionizing the insurance game in Latin America with their super straightforward digital approach. As a company specializing in life insurance, they've totally transformed from their Amedex roots since 1986 into what's now a tech-powered insurance provider.

They offer flexible coverage options ranging from $100,000 to a whopping $10 million, and you don't even need a medical exam for policies up to $1 million! Their Easy Term and Master Term products come with smart features like advance payments for terminal illness and return of premium options.

Based in Puerto Rico and regulated by the Office of the Insurance Commissioner, Ole has seriously stepped up the insurance game. They've expanded across 15+ countries, with major presence in Ecuador, Mexico, and Venezuela, working with over 3,000 independent agents.

Their automated systems and AI-powered underwriting process make getting coverage super quick and easy. With $6.4 million in direct written premiums by the end of 2023 and a B++ (Good) rating from AM Best, they're proving that insurance doesn't have to be complicated or boring.

Whether you're looking for basic coverage or something more comprehensive, Ole's digital platform makes it happen in minutes - perfect for anyone who wants solid protection without the usual insurance hassle.

PRoduce!: Bridging Local Producers and Restaurants

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PRoduce! is revolutionizing Puerto Rico's food scene with a mission that's bigger than just connecting farmers and restaurants. As a thriving startup with nearly 70,000 users, this app is tackling a serious issue - the fact that 85% of Puerto Rico's food comes from imports.

Founded by Crystal Díaz in 2018, PRoduce! has become a game-changer in local food distribution. The app really showed its worth during Tropical Storm Isaias in 2020, when it saved 10,000 plantains from going to waste, selling them for just 30 cents each.

That's the kind of real-world impact that matters. The platform now connects over 600 local producers with consumers across the island, making it super easy to get fresh, local ingredients delivered right to your door.

What's really cool is how the James Beard Foundation recognized PRoduce! as one of their top 12 leadership projects in 2021.

The app has evolved from a simple food box subscription to this amazing marketplace where chefs can find unique local ingredients and consumers can support local farmers.

It's not just about buying food - it's about building a sustainable food system that supports the local economy and reduces dependence on imports. For restaurants and home cooks looking to source local ingredients, PRoduce! has become the go-to platform, proving that technology can solve real-world problems while supporting local communities.

PolySwarm: Leading Threat Detection Tools

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PolySwarm's innovative marketplace is transforming cybersecurity through its crowd-sourced threat detection platform. Working with major clients like Microsoft, Verizon, and eBay, PolySwarm uses a network of specialized engines to detect both common and emerging threats faster than traditional methods.

The platform rewards security experts with NCT tokens through their NectarNet browser extension, creating a dynamic ecosystem where users contribute to threat detection while earning rewards.

With over 55 detection engines, including powerhouses like Crowdstrike, SentinelOne, and Kaspersky, PolySwarm processes between 500,000 to 1 million malware samples regularly.

Their PolyScore system rates threat probabilities by analyzing previous performance, file history, and confidence levels, helping security teams make quick, accurate decisions.

This approach has proven particularly effective as cyber threats continue to evolve, with the platform's contextual threat scoring reducing incident response time and cutting costs for Managed Detection and Response (MDR) teams. The platform's success has attracted attention from major investors, with its NCT token reaching a market cap of approximately $41 million in 2025, showing strong growth potential in the cybersecurity sector.

Conclusion: The Future of Puerto Rico's Startups

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Puerto Rico's startup scene is absolutely crushing it in 2025, with a mix of groundbreaking companies transforming the tech landscape. Recent economic data shows an impressive 2.1% growth, setting the perfect stage for innovation.

Companies like Burea are making waves with their remote work solutions, while Brands of Americas is revolutionizing e-commerce by connecting Latin American brands to global markets.

The startup ecosystem has grown by 24.8% since 2019, with ventures pulling in over $225 million in funding.

Looking ahead, Puerto Rico is positioning itself as a tech powerhouse.

The island's robust infrastructure, including island-wide 5G and advanced LoRa networks, is attracting serious attention from investors and entrepreneurs worldwide.

Companies like Abartys Health are pushing boundaries in healthcare tech, while Sunne Cleantech is leading the charge in sustainable energy solutions. The fintech sector is particularly hot, growing at 25% annually, with pioneers like ATH Movil serving over a million users.

For anyone looking to break into tech, Puerto Rico is the place to be right now.

New initiatives like the Bravo Venture Fellowship are opening doors for entrepreneurs, offering equity funding and mentorship opportunities.

The island's unique position between North and Latin America, combined with competitive tax benefits and a growing talent pool, makes it an ideal launchpad for tech careers.

With startups in AI, blockchain, and renewable energy emerging daily, Puerto Rico isn't just keeping up with tech trends - it's setting them.

Frequently Asked Questions

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What sectors are leading Puerto Rico's startup growth in 2025?

In 2025, Puerto Rico's startup growth is being led by the e-commerce, fintech, AI, blockchain, and sustainable tech sectors.

What is the Bravo Family Foundation doing to support startups in Puerto Rico?

The Bravo Family Foundation has launched initiatives to provide support to early-stage founders, enhancing the potential of Puerto Rican startups.

Which notable Puerto Rican startups are positioned to make a global impact?

Startups such as BrainHi, Skootel, Zenus Bank, and Tea Protocol are positioned to make a significant global impact while strengthening their roots in Puerto Rico.

How is Puerto Rico becoming a hub for tech professionals?

Puerto Rico is becoming a tech hub due to its growing ecosystem of over 66 active startups, opportunities across AI, blockchain, and sustainable tech, and competitive tax benefits attracting both talent and investment.

What innovations are driving Puerto Rican startups to success?

Innovations in financial technology by Kiwi, open-source development by Tea Protocol, global banking access by Zenus Bank, and adtech solutions by Growth Digital are some of the key drivers of Puerto Rican startup success.

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Chevas Balloun

Director of Marketing & Brand

Chevas has spent over 15 years inventing brands, designing interfaces, and driving engagement for companies like Microsoft. He is a practiced writer, a productivity app inventor, board game designer, and has a builder-mentality drives entrepreneurship.