Overview
- The Superintendencia de Banca, Seguros y AFP issued Resolution N°1561-2026 on Tuesday, June 9, 2026, formally authorizing Prex Perú as a supervised company of credits to run a fully digital platform.
- Prex will offer a single money‑electronic account that supports payments, transfers, card operations, remittances and low‑value digital loans branded “Prextamo” that are disbursed and repaid inside the same account.
- The company is authorized to grant credit but may not take public deposits, so it will not be a bank and cannot hold customer savings outside its e‑money framework.
- As a prudential safeguard the SBS requires Prex to hold capital equal to the sum of minimums for a credit company and an e‑money issuer, and it must meet further regulatory conditions before it can begin issuing e‑money.
- Regulators present the approval as a step for financial innovation that will increase competition with incoming digital players and could lower costs for consumers, while the SBS will supervise risk management and user protection.