Cobraste Unveils the World’s First Artificial Financial Intelligence (AFI) Agent, Unlocking A New Era of Financial Wellness for Millions

San Juan, Puerto Rico, September 5, 2025. Cobraste, Latin America’s pioneer in employee financial wellness, today launched Tío Juan, the world’s first Artificial Financial Intelligence (AFI) agent, a culturally tailored, bilingual, proprietary AI powered mentor designed to help millions of workers gain confidence, reduce financial stress, and build a stronger future.

Built on Cobraste’s trusted technology platform, Tío Juan is designed to meet workers where they are, offering culturally relevant advice that makes sense in the realities of their daily lives.  Employees can get started quickly and easily with AFI allowing users to automatically set up budgets, transaction monitoring, savings goals, and more. Tío Juan provides personalized guidance that reflects each worker’s current financial reality.

“We are building Artificial Financial Intelligence to level the financial playing field and help lift hundreds of millions of hard working people to previously unimaginable financial success,” said Steve Barha, Founder and CEO of Cobraste. “This is a major leap forward for employee financial wellness, not just in Latin America, but worldwide.” 

For the workers of Cobraste’s clients, Tío Juan delivers a transformative leap forward in financial wellness. Tío Juan serves as a digital mentor in Spanish and English providing:

• Personalized financial guidance: practical budgeting and savings advice tailored to each worker’s needs
• Easy to understand education: short tips that help build strong financial habits over time
• On demand, secure support: confidential help with pay, tips, and earnings related questions, anytime

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Real-Life Impact

Imagine María, a supermarket cashier in San Juan, saving for a car. Tío Juan helps her set a savings goal, create a monthly budget, and calculate exactly what she can afford for her monthly payment, all automatically and without leaving the Cobraste app. Tío Juan is in her pocket, even ready to help María with her car purchase when she is ready. It’s personal, practical, and private. 

Better for Workers, Better for Businesses

For the workforces using Cobraste, Tío Juan offers a clear plan tailored to their income, habits, and goals. This reduces stress, builds confidence, and allows for better engagement on the job. For employers, the result is a more focused, engaged, and resilient workforce, translating into stronger teams and better business outcomes.

“Cobraste’s Earned Wage Access provides safe, secure, and timely access to earnings,” added Barha. “Now, with Tío Juan, workers can take real pride in being in control of their money and their future. Nuestros clientes han confiado en nosotros para impactar positivamente la vida financiera de sus trabajadores y trabajamos incansablemente para hacer precisamente eso.”

Availability

Tío Juan is now available to all Cobraste account holders. No downloads or setup required, just open the app and say, “Hola, Tío Juan.”

About Cobraste

Cobraste is the pioneer and leading provider of digital financial wellness solutions for workforces across Latin America, serving industry-leading companies, their employees and families. Our mission is to deliver real financial freedom, one paycheck and one person at a time.

Media Contact:

media@cobraste.com
www.cobraste.com

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