The WhatsApp-native
operator for LATAM's
40M+ microentrepreneurs.
Zero app · zero training · zero signup. Multi-país from day 1. Path to $1B Y4.
LATAM microentrepreneurs never adopted a CRM.
15M MEIs Brazil · 2.4M monotributistas Argentina · 4.5M autónomos Spain · 1M+ RIRE Paraguay. Stone, ContaAzul, Vambe, ContaSimples — every existing tool requires app install, registration forms, multi-step onboarding. The 3% adoption ceiling has been frozen for a decade.
Stone · ContaAzul · Vambe · ContaSimples
- App download required · 50MB+
- Multi-step signup form · email · CNPJ
- Web dashboard · keyboard-first UX
- R$59-149/mo entry plan
- Spanish/Portuguese only · no multi-país
Zymplo · WhatsApp-native
- Zero install · "Olá" inside WhatsApp
- Country auto-detected from phone prefix
- Bot replies <5s · voice + image OK
- R$0 forever · R$19/39/79 paid tiers
- 14 country profiles canonical day-1
zymplo40M+ small-business workers.
$80B+ annual revenue captured.
Brazil MEIs
R$81k/yr CAP · 95% in informal regulation gray-zone
Arg monotrib.
11 categories A-K · Q1 2026 expansion
España RETA
autónomos · €294/mo cuota · 7% YoY growth
Other LATAM
MX RESICO · CO RST · CL PyME · PE RUS · UY MIDES · others
zymploFive magic-link activations.
Each ≤30 seconds.
Inmutable Rule #94 (ACTIVATION-FLOW-MAGIC-LINK): every upgrade, every connect, every external integration ≤3 taps · ≤30s wall-clock · 0 forms. Bot proactively acknowledges within 5 seconds of webhook completion.
Upgrade R$0→R$19/39/79
Stripe/Mercado Pago · Apple Pay or Pix native · 1 link.
Connect Instagram
Meta OAuth 1-tap · ingest IG DMs + Lead Ads as MEI leads.
Connect bank Pix auto
Pluggy/Belvo widget · 2-3 taps · auto reconciliation.
Digital contracts
DocuSeal self-host · ICP-Brasil · ZapSign fallback · $0/mo.
Reminders proactive
NLP intent · save_reminder · cron 1min dispatcher · 0 taps.
170 AI agents 24/7
Auto-fix · viral fleet · cost optimizers · sim master · Grok contrarian.
zymplo96 MiroFish sims.
1,000 IBGE-weighted agents.
Inmutable Rule #1 · zero decision ships without ≥95% confidence simulation. Adversarial 53-critic V24 framework. Brand voice 90.8% confidence. Pricing 95%+. Auto-fix loop to 0 fails.
SIM-V24-B brand · 1000 agents
Pricing V22-10 · 476 actions CI
Auto-fix R10 target soft PASS
Geo coverage 27/27 BR estados
zymploFree forever gateway · R$15.60 blended ARPU.
Inmutable Rule #28 + #29 · Plan 0 forever-free is the viral gateway to 18M MEIs (70% users · subsidized by 30% paid). Plan 2 PRO R$39 sweet spot LOCKED · 476 actions CI 95%+. ARPU compares favorably vs. Stone R$22.
Plan 0 · Free
100 msg/mo · 5 Pix · 1 NFS-e · DAS reminder · gateway
Plan 1 · Starter
500 msg · 30 Pix · 10 NFS-e · 3 reminders/day
Plan 2 · PRO ★
UNLIMITED everything · NFS-e ilimit · Pluggy auto · multi-país
Plan 3 · Gold
Unlimited + multi-tenant WAB · CRM admin · priority support
zymploViral K-factor.
Zero CAC long-term.
Every paid MEI invites 1.5 cobrança recipients to add Zymplo as their own. Free tier compounds. Plan B CONTIQ removed (R102). Focus: BR + PY direct paid Y1 · then K-factor flywheel.
- ▸Y1: BR + PY paid acquisition · $15 CAC target
- ▸Y2: viral K≥1.0 · multi-país launch · $3 CAC
- ▸Y3: WhatsApp Business multi-tenant · $0 CAC
- ▸Y4: K≥2.0 · enterprise CONTIQ-style B2B partnerships
Year 2 K-factor target
Per Inmutable R32 (VIRAL-PATTERN-COMPOUNDING): 16-agent Viral Intelligence Fleet (#50-65) tunes every published asset 24-72h post-publish. Self-improving · +5-7% efficiency MoM · 50-80% Y1 → 2-3× Y2.
zymploInfrastructure ready.
Pre-revenue · post-build.
Stripe Atlas Delaware
Zymplo Inc. · EIN 30-1486305 · LIVE 2026-05
DUNS 145007664
D&B identifier unlocks Apple/Google/USPTO
USPTO Trademark
Plus INPI BR · WIPO · DINAPI PY 8 marcas
WhatsApp Cloud API
R96 8-layer never-drop · webhook validated
Inc · LTDA · SA
USA holding · Brasil subsidiária · Paraguay operativa
Country canonical
R86 doc + currency + slang + tax regime · day-1
Always-on fleet
10 sub-fleets · 24/7/365 · zero-human
Inmutable governance
R1-R114 · every decision cites sim · auto-audit
zymploAdjacent · not substitutive.
| Player | Native channel | Multi-país | Forever-free | AI-first |
|---|---|---|---|---|
| Zymplo | WhatsApp native | 14 countries day-1 | ✅ Plan 0 forever | ✅ 170 agents 24/7 |
| Stone (BR) | App + POS | BR only | ⚠️ R$24.90 cap | ❌ No AI assistant |
| ContaAzul (BR) | Web/app | BR only | ❌ R$79 minimum | ⚠️ Limited bot |
| Vambe (CL→BR) | WhatsApp + web | CL + BR (entry 2026) | ❌ Paid only | ⚠️ Sales-focused only |
| ContaSimples (BR) | App + bank account | BR only | ⚠️ Account required | ❌ No AI |
zymplo2 humans · 170 agents · 50× output.
Inmutable Rule #12 (MODELO-OPERATIVO): humans only sign exteriors (DUNS · 2FA · legal · pivot decisions). Cowork AI handles 100% code · architecture · sims · content · deploys · CS Tier 1 · 24/7/365 · zero overhead.
CEO of operations. Owns commercial, marketing, fundraising, press. Stripe Atlas Delaware structure. Paraguayan native operating across BR/PY/MX/ES.
Co-founder · operations · LGPD compliance · DPO Brazil · creator of Walrus ERP precursor. Owns regulatory · CNPJ BR · partnerships.
10 sub-fleets: engineering · viral intel · marketing · sales · CS · data · revenue · talent · infra · research. Self-improving · compounding +5-7%/month.
zymploY4: 1M MEIs paid.
R$190M ARR · $1B valuation.
BR + PY launch
K-factor ≥1.0
WAB multi-tenant
Series B prep
Blended ARPU Y4
CAC trajectory Y1→Y5
D30 LTV target
Gross margin (LLM cost optimized)
zymplo$320K USD
$8M cap · 20% MFN
Round terms
Use of funds
zymplo