AvilaPay

💳 DIGITAL WALLET
Keep your balance in bolivars and dollars. Receive money, pay, and transfer instantly without complications.

📲 INSTANT MOBILE PAYMENT
Send and receive payments between Venezuelan banks in seconds. No lines, no waiting.

🔄 P2P TRANSFERS
Send money to other AvilaPay users instantly and without fees.

📷 PAY WITH QR CODE
Scan the QR code of any affiliated merchant and pay in seconds. Fast, secure, and cashless.

🛒 MARKETPLACE
Explore products and services from verified merchants. Shop from the app with just one tap.

📱 RECHARGES AND SERVICES
Recharge your Movistar, Digitel, or Movilnet line directly from the app. Pay bills without leaving home.

🏪 CASHBACK AT MERCHANTS
Earn cashback every time you pay at participating merchants. Your money goes further with AvilaPay.

🔒 TOP-LEVEL SECURITY
- Biometric authentication (fingerprint and Face ID)
- End-to-end encryption
- Identity verification (KYC)
- Your data protected on secure servers

✨ MORE FEATURES
- Virtual cards for international purchases
- Detailed transaction history
- Real-time notifications
- 24/7 support
📋 PERSONAL LOAN DISCLOSURE (CREDIX by AvilaPay)

AvilaPay offers personal loans through its CREDIX service, operated by NIU CAPITAL, C.A. (RIF J507760120), an authorized financial institution in Venezuela.

* Loan Amount: $10.00 USD to $5,000.00 USD
* Repayment Period: 60 days (4 bi-weekly installments every 15 days)
* Maximum Annual Percentage Rate (APR): 84% (7% monthly interest rate)
* Late Fee: $4.00 USD per overdue installment (applied after a 3-day grace period)

Representative Example:
A loan of $500.00 USD at 7% monthly interest for 60 days (4 bi-weekly payments):
* Principal: $500.00 USD
* Total Interest: $70.00 USD (7% × 2 months)
* Total Cost of Loan: $570.00 USD
* Bi-weekly Payment: $142.50 USD (4 installments)
* No origination fee. No prepayment penalty.

Loan approval requires KYC verification, a digital signature via biometric authentication, and is subject to credit evaluation. Loans are funded by NIU CAPITAL, C.A. and disbursed to the user's AvilaPay digital wallet.

Website: https://avilapay.com
Contact: support@avilapay.com

AvilaPay is operated by Pegaso Fintech C.A. (RIF: J-508356373), a Venezuelan company committed to digital financial inclusion.

Download AvilaPay and carry your bank in your pocket.