Plurall Earned WEF “Tech Pioneer 2025” Status With AI-Powered Microcredit​

A Colombian fintech just landed on a global list that usually features the world’s loudest innovators. Plurall was named a 2025 Technology Pioneer by the World Economic Forum, and that label carries real weight in startup circles.​

The story matters because Plurall is not selling a trendy gadget. It is trying to fix a daily problem for microbusiness owners, getting productive credit when the traditional system says “no,” or never even says anything.

What the WEF recognition means

Plurall joined the World Economic Forum’s Technology Pioneers community, which selects 100 startups each year. The Forum’s 2025 cohort included companies from 28 countries, showing the program is built for global variety.​

The WEF describes Technology Pioneers as early-stage companies using new technologies with the potential to impact business and society. Being selected signals momentum, and it often brings invitations to conversations where policy, investment, and scale meet.​

Plurall’s recognition also sits inside a longer tradition. The WEF says the Technology Pioneers program launched in 2000 and has recognized many companies that later became household names in tech.​

For Plurall, the biggest practical benefit is access. The WEF says selected startups can engage with leaders from the public and private sectors through its events and community work, which can speed up partnerships and credibility.​

What Plurall does, in plain words

Plurall is a tech startup founded in 2021 that focuses on expanding access to productive credit for microentrepreneurs outside the formal banking comfort zone.

Its core product is a mobile-based credit flow powered by data analysis and AI, with a proprietary platform called Bodhi Tree used for evaluation and decision-making.​

Bodhi Tree is described by the company as a data platform powered by AI and machine learning that supports more precise scoring for microbusinesses. That matters because many microenterprises do not fit classic bank checklists.​

The target user is easy to picture, small shops, cafés, online sellers, drivers, logistics operators, workshops, and service providers who need inventory or working capital, but do not have the “perfect” credit profile.

Numbers that show traction

Plurall said that since starting operations in 2022 it has delivered more than 4,000 credits to entrepreneurs in many sectors.

In 2025 alone, Plurall reported more than US$2.5 million in microloans.

The inclusion angle is not just a slogan. Plurall reported that 52% of recipients were women and more than 40% had negative reports in credit bureaus, meaning the model is reaching people banks often filter out.

The company also reported it has 63 direct employees and supports around 200 additional people indirectly in Colombia and other countries in the region. That hints at a growing operation, not a tiny pilot.

How partnerships help it grow responsibly

Scaling microcredit requires more than an app, it needs funding lines, risk controls, and trust. Plurall highlighted partnerships with BBVA Spark and the Fondo Nacional de Garantias (FNG) to strengthen its ecosystem.

BBVA said BBVA Spark signed a financing agreement with Plurall to boost microloans for small businesses in Colombia, backed by an FNG guarantee. That guarantee helps unlock more financing and expands lending capacity.​

The same BBVA note framed this approach as a way to fight informal lending like “gota a gota.” In practice, that means giving small businesses a safer option than high-risk, high-pressure cash loans.​

This is also where the WEF recognition connects back to daily life. Global recognition can attract more institutional support, and more support can mean more credit reaching entrepreneurs who need inventory, tools, or a new storefront.​

The credit door opens wider

Plurall’s WEF Tech Pioneer recognition matters because it shines a light on a Colombian solution to a common Latin American problem, financing the “too small” businesses that keep cities running.​

If Plurall keeps scaling with responsible partnerships and clear rules, more microentrepreneurs can trade informal debt for productive credit. That is the kind of tech win that shows up in real businesses, not only in headlines.​