Rumbo reads your movements, your salary, your savings pots and the market. At the right moment it brings you an opportunity with the exact number and the action ready. Nothing moves without your OK.
Try it: it opens like belo. Demo figures; the screenshots below keep the Spanish copy of the app.
belo's Agentic Banking Buildathon asked what an agent could do with belo's API, in 10 hours. The task we set: turn every relevant moment of the month into one clear decision, tied to a goal the person actually has.
My role. I brought the starting insight: our money stays parked, and nobody nudges us on what to do with it or walks with us along the way. We talked it through as a team and gave it shape, and I sketched the low-fi flow with the first possible screens. From there I designed the UI and built the clickable prototype you can try above.
belo already lets people hold pesos, dollars and stablecoins, swap between them, transfer, pay with QR in several countries, and save in pots that earn yield. The tools are there. What's missing is someone who says, at the right moment, which one to use.
Parked doesn't mean still. The money moves all the time, from one app to another, just never toward a goal.
a month leaves belo for other accounts of the same user. Money that could stay inside and keep working.
Base case: 600k active users × 19.2 transfers × 25% to their own accounts × ARS 123k average transfer. These are our assumptions, to be validated with belo's internal data.
Sources: BCRA, Retail Payments Report (Aug 2026) · Kantar / IAB Argentina
Swapping currencies is only the start. Rumbo watches your salary, your spending and the dollar, and brings you the move that puts your money to work.
Today there's a real fear that AI takes over. In Rumbo, the agent suggests. You decide. Every proposal waits for your OK, explains where it comes from, and can be stopped with one tap.
belo already has savings pots. We gave each one a clear goal, an amount and a date, so Rumbo knows what the money is for. On payday it suggests how much to set aside to arrive on time. Before a withdrawal, it shows how far the deadline moves.
Or the move lowers your risk, like turning parked pesos into dollars.
Or it goes back to pesos, which lose value to inflation.
More than 20 points over your ideal crypto share. On a manual move it asks for an extra confirmation instead of blocking: it's your money.
The profile is inferred from history (someone who buys BTC every month reads as moderate) and confirmed by the user. Without history, it comes from three onboarding questions. Every result is a colored dot plus a word, never color alone.
The prototype shows the experience. Behind it, the team built a working version that reads a belo staging account and runs the moments on its own. The code does the math. The agent only decides whether it's worth telling you, and how.
A push notification. Salary in, pesos about to lose value, a big jump in the dollar.
Waits in the app. A trip to plan, a goal falling behind, a habit that changed a lot.
Everything else. A coffee doesn't interrupt you. If you mark two alerts as not useful in a week, it waits.
