Comunidad 4Uno (C4Uno) is an online platform that distributes tailored and market-based financial products to low income and financially excluded domestic workers.

The company aims to be the largest and most reliable financial product distribution channel for the low income population in Mexico by 2020.

Company Overview

CEO: Miguel Duhalt
Founded: 2015
Market: Mexico
Product: Online Human Resources Platform
Sponsor: Accion Venture Lab

Over the next six months, C4Uno will receive $100,000 USD in grant capital and receive the mentoring of its Catalyst Fund sponsor, Accion Venture Lab. The company will also work with BFA to identify specific advisory engagements towards strategic milestones and a growth trajectory.

THE Problem and Solution

There are 3 million domestic workers in Mexico that currently lack any kind of formal financial service. C4Uno would give them access to affordable insurance, savings and credit products through a one-stop shop. 

The service is currently offered to the employers of domestic workers. It leverages an innovative distribution channel: reaching financially-excluded employees via financially-included employers.


The Innovation

  • The Online Human Resources system allows employers to pay electronically, offer payroll loan, savings plan, insurance and medical assistance to their workers.

  • The firm offers a set of curated existing financial products by establishing partnerships with selected financial service providers and delivers them through an online distribution platform that leverages a relationship between financially-included and financially-excluded people.

  • Revenue stream comes from a fixed online annual subscription fee, transaction fees and fees for opening pension accounts.


The Value Proposition

  • Employers provide a holistic set of financial services to their workers, for less than $50 per year.
  • Domestic workers benefit from customized and automated financial products and building credit history.
  • Employers gain access to insights into their workers financial behavior and are protected in case of legal disputes over salary disbursements.


C4Uno is aligned with the Catalyst Fund learning agenda and core mission. Their challenges as we know them could help answer the questions within the learning pillars of:

  • Limiting Factors:  How can C4Uno overcome behavioral barriers in a cash-heavy society to encourage uptake for both customers (employers and employees)?
  • Ecosystem & partnerships: What is the value proposition for financial providers to work with C4Uno? What are incentives and deal breakers in the partnerships? How can C4Uno ensure they continuously provide value for their end-customers and financial partners as they scale?