As 2025 comes to a close, we look back with a deep sense of pride, not only in what we accomplished at R2, but in how we did it. This was a year defined by partnerships, trust, and the conviction that financial access should scale across borders.
1. Partners at the Core
Our strategy has always been simple: grow alongside our partners. 2025 reaffirmed why that matters. Across every product launch, market expansion, credit policy, and operational process, our partners helped shape the way forward.
This year also marked a defining milestone in that journey: we formalized one of our most important collaborations to date through a strategic partnership and investment from Ant International, alongside access to new debt funding to support portfolio growth. This wasn’t just capital; it was validation. A global fintech leader chose to back R2 because we share the same belief: the future of financial services in Latin America is embedded and instant.
2. Expanding the Map, Scaling the Impact
We expanded with existing partners, entered entirely new markets like Brazil, and strengthened our presence in recently launched ones like Peru, proving that the R2 model can travel, adapt, and perform, while laying the foundations for broader global expansion.
New partners also joined our journey, reinforcing a simple truth: when credit is delivered directly inside the platforms where customers already work, access becomes seamless and impact compounds.
3. The People We Serve
Behind every metric are real people: small businesses unlocking growth, gig workers finding stability, independent merchants gaining access to financial tools that once felt out of reach.
In 2025 alone, more than 65,000 merchants improved their cash flow, expanded their businesses, and accessed opportunities through R2’s capital. Our role has always been to make growth more predictable, faster, and fairer—and this year, we delivered that impact at an unprecedented scale.
4. Building Leverage from the Inside
None of this happens without the teams inside R2. With talent spanning 16 nationalities, we continued to scale efficiently by accelerating our impact without increasing complexity.
We strengthened operations, sharpened decisioning, launched new products, and rethought core processes. The result: materially higher operating leverage, allowing a lean team to support a rapidly growing portfolio while maintaining discipline, speed, and resilience.
5. From Gen AI Ambition to Agents in Production
In 2025, AI Agents moved from experimentation to execution.
These are production-grade systems, embedded directly into how we operate at scale.
6. Entering 2026 with Momentum
We’re entering 2026 with a stronger platform than ever:
Looking ahead, we’ll continue focusing on what works: deep partnerships, disciplined execution, and technology that delivers real outcomes. We’ll strengthen our presence in existing markets while further investing in our tech stack, expanding AI and automation across underwriting, operations, and risk to deliver faster, smarter, and more adaptive financial products.
7. A Closing Thought
2025 didn’t just challenge us, it sharpened us. We proved that when technology is built on trust, scale doesn’t dilute impact; it amplifies it.
We close the year grateful to our partners who build alongside us, to our team that pushes this mission every day, and to the customers who trust us with something as essential as their livelihoods.
As we enter 2026, our mandate is clear: to set the standard for inclusive, scalable embedded finance.
