CO · COP

Colombia digital banks

Lulo Bank is a Gilinski-group digital bank — SFC, FOGAFIN. It is not Bancolombia and not Nequi. Littio is a dollar-account fintech, not a bank. Nequi is the Bancolombia wallet most Colombians already have. Score the charter, not the neon.

3Live on the desk

Regulator

Superintendencia Financiera de Colombia (SFC)

Deposit scheme

FOGAFIN covers eligible deposits at member credit institutions — confirm live cap

In this market

Licence still sits on the product

Product	Score	HQ	Monthly	FX	Users	Licence
Lulo Bank	6.9	Bogotá, Colombia	Digital SKU — confirm live	Not a travel bank	Colombian digital-bank	Bank — Lulo Bank S.A. First 100% digital bank in Colombia. Fogafín member
Kontigo	6.3	Miami / LatAm, United States	$0 core pitch — confirm live	On/off-ramp spread is the product	Stablecoin-wallet	Fintech. Not a bank. USDC wallet + card rails. Kontigo Inc.
Littio	6.2	Bogotá, Colombia	$0 pitch — confirm live	USD ⇌ COP corridor is the product	LatAm dollar-app	Selenio S.A.S. (Littio Colombia). Own copy: not a financial entity. USD rails via unnamed US partners

Questions

Is Lulo a wallet?

No. Lulo Bank S.A. is an SFC-supervised digital bank in the Gilinski / GNB Sudameris group — not Bancolombia. FOGAFIN membership is the safety line. Littio is a different object.

Other desks

Cross-check the scoring weights and the graveyard before you treat a leftover landing page as live.