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The leading fintech in Latin America , Nubank , is headquartered in São Paulo . The company launched its first product , a fee-free credit card , in 2014 and now has over 6mn users . To date , Nubank has raised in excess of US $ 420mn , including $ 180mn from Chinese internet giant Tencent in October 2018 . The Tencent investment pushed Nubank ’ s valuation beyond $ 4bn , making it the third Latin American company in history to achieve unicorn status . JUNE 2019