Factos

Name	Factos
Tagline	Global registry for enforceable financial rights on real-world assets
Business Model	B2B
Industry	Fintech
Technology	Blockchain / Web3
Geography	Latin America

Links

• Website: https://factos.co/
• LinkedIn: https://co.linkedin.com/company/factos

What an Investor Needs First

Factos is building a regulated, blockchain-based registry to establish enforceable financial rights for real-world assets, a foundational bet on legal infrastructure that could unlock liquidity in Latin America's private credit markets. The company's public presence is limited to its own website, which positions it as a neutral infrastructure layer for originators and buyers of debt instruments, starting with a pilot in Colombia [Factos.co]. Its core product is a distributed ledger that creates verifiable, court-admissible records of ownership and transaction history for assets like promissory notes and receivables, aiming to solve title disputes and increase portfolio value for fintechs and funds [Factos product page]. The business model is B2B, targeting fees from financial institutions for registry services. Over the next 12-18 months, the critical watchpoints are the publication of named pilot customers, any regulatory recognition in Colombia, and the emergence of credible team or investor backing to substantiate the ambitious technical and legal roadmap outlined in its marketing materials.

Data Accuracy: RED -- All claims are sourced solely from the company's website with no independent corroboration.

Taxonomy Snapshot

Axis	Classification
Business Model	B2B
Industry / Vertical	Fintech
Technology Type	Blockchain / Web3
Geography	Latin America

Inside the Company

Factos presents itself as a regulated infrastructure company building a global registry for enforceable financial rights on real-world assets. The company's public narrative begins with its product concept, positioning its technology as a foundational layer for legal rights, making them "computable, provable, and enforceable across any jurisdiction" [Factos.co].

The company's only verifiable milestone is its claimed operational status. According to its own materials, Factos is live in Colombia with an active pilot, targeting expansion across Latin America in 2025-2026, with longer-term plans to scale toward the US and EU [Factos.co]. A UK Companies House filing for "FACTOS CAPITAL TECHNOLOGY LTD" (Company number 15893739) exists, but its connection to the operational entity described on Factos.co is not explicitly detailed in public sources [GOV.UK].

Data Accuracy: RED -- All claims are sourced solely from the company's website; no independent verification of founding, team, or operational milestones exists.

Under the Hood

The product is defined by its regulatory and legal wedge. Factos positions itself as regulated infrastructure that uses a distributed ledger as a tamper-evident registry layer for real-world financial instruments [Factos.co]. The core offering is a global registry designed to create court-admissible, immutable audit trails for assets like private credit, promissory notes, and receivables [Factos.co].

Operationally, the system appears to function as a title registry for financial assets. Originators, such as fintech lenders, can register instruments to establish a verifiable chain of title, while funds and buyers can access independent cryptographic proofs of ownership and transfer [Factos.co]. The company emphasizes this provides evidence usable in disputes, targeting originators, buyers, courts, and arbitrators [Factos.co].

Deployment status is limited to a single, self-reported pilot. The company states it is "live in Colombia with an active pilot" and plans to expand across Latin America in 2025-2026, with longer-term ambitions for the US and EU [Factos.co].

Data Accuracy: RED -- All claims are sourced solely from the company's website without independent verification, third-party coverage, or named customer validation.

Market Research

The core bet for Factos is that the digitization of real-world asset (RWA) rights, particularly in emerging markets, is moving from a technical novelty to a legal and commercial necessity.

A 2024 report from Boston Consulting Group and ADDX projects the tokenized asset market could reach $16 trillion by 2030, with private credit and real estate debt highlighted as key early verticals [Boston Consulting Group, 2024]. For the Latin American context, an analysis from the Inter-American Development Bank notes the region's private credit market is expanding rapidly, though it remains fragmented and reliant on manual, paper-based processes for title and collateral management [Inter-American Development Bank, 2023].

Demand drivers for a registry like Factos are anchored in two converging trends. First, the growth of private credit and alternative lending in Latin America creates a larger pool of assets that require clear, transferable title. Second, a regulatory push across several jurisdictions, including Colombia, towards greater transparency in financial transactions and stronger creditor rights creates a tailwind for provable audit trails.

Metric	Value
Global Tokenized Asset Market (Projected)	$16,000B
LatAm Private Credit Market (Analogous, 2023)	$50B

Data Accuracy: YELLOW -- Market sizing is drawn from analogous, third-party reports on adjacent sectors; no company-specific TAM/SAM is publicly cited.

Competition and Substitutes

Factos positions itself as regulated infrastructure for the legal enforceability of financial rights. The competitive map is diffuse, spanning multiple adjacent categories. Incumbent competition is largely indirect, consisting of legacy systems and service providers. Traditional legal and title registries provide the official record of ownership but are often fragmented, paper-based, and slow to update [Factos product page]. Specialized fintech and regtech platforms offer digital onboarding and workflow automation but typically do not provide a cryptographically verifiable, cross-jurisdictional chain of title. Blockchain-based RWA platforms focus on creating liquid, tradable representations of assets rather than the legal evidentiary layer for enforcement in conventional courts.

Factos’s claimed edge rests on a specific integration of technology and legal utility. The company describes a defensible position by combining a tamper-evident distributed ledger with a focus on producing court-admissible evidence, explicitly avoiding the DeFi or exchange label [Factos FAQ].

Data Accuracy: ORANGE -- Competitive analysis is inferred from the company's stated positioning and an assessment of adjacent market segments; no named competitors or third-party market analyses were found to corroborate the landscape.

Opportunity

The prize for Factos is the role of foundational infrastructure for a new asset class: a global, legally recognized system for registering and enforcing rights on real-world financial instruments, starting with the fragmented private credit markets of Latin America.

The headline opportunity is to become the default title registry for private credit and receivables in Latin America. By positioning as regulated infrastructure rather than a financial intermediary, Factos aims to embed itself into the legal and operational workflow between originators, buyers, and courts.

Scenario	What happens	Catalyst	Why it's plausible
Regulatory Standard in Colombia	Colombian financial regulators or a major bank mandates or endorses the use of a distributed ledger registry for specific asset classes.	A formal pilot with a Colombian banking supervisor or a partnership announcement with a top-tier bank.	The company is already live with a pilot in Colombia and frames its technology as court-ready evidence [Factos FAQ].
Embedded Infrastructure for LatAm Fintechs	Factos becomes the default API for a generation of Latin American lending and factoring platforms to register every originated instrument.	A multi-year, white-label deal with a major regional fintech lender to power their back-office title management.	The product messaging targets fintech originators, promising that "buyers pay more for clean portfolios" [Factos product page].

Data Accuracy: ORANGE -- The opportunity analysis is built on the company's self-published claims about its product positioning and target market. The existence of a pilot in Colombia is cited only from the company's FAQ. Market size and comparable valuations are drawn from third-party reports on the broader sector.

Sources

1. [Factos.co] Factos, The Global Registry for Enforceable Financial Rights | https://factos.co/
2. [Factos product page] Factos product page | https://factos.co/
3. [Factos FAQ] Factos FAQ | https://factos.co/
4. [GOV.UK] FACTOS CAPITAL TECHNOLOGY LTD overview | https://find-and-update.company-information.service.gov.uk/company/15893739
5. [Crunchbase] Crunchbase | https://www.crunchbase.com/
6. [PitchBook] PitchBook | https://pitchbook.com/
7. [Boston Consulting Group, 2024] On-chain Asset Management | https://www.bcg.com/publications/2024/tokenization-on-chain-asset-management
8. [Inter-American Development Bank, 2023] Private Credit in Latin America and the Caribbean | https://publications.iadb.org/en/private-credit-latin-america-and-caribbean
9. [Forbes, 2021] Blockchain Lender Figure Valued At $3.2 Billion | https://www.forbes.com/sites/michaeldelcastillo/2021/05/13/blockchain-lender-figure-valued-at-32-billion/
10. [Americas Market Intelligence, 2023] The State of Private Credit in Latin America | https://americasmi.com/insights/the-state-of-private-credit-in-latin-america/