Portfolio
Needs fixing
8Underperformance traced to an attributable defect
Needs review
2Underperforming with no defect found — commercial, not technical
Active users+1.4%wk
1.4mAcross the partner portfolio
Cancels at risk
22.4kAttributable to open findings, next 30 days
By partner
8 cards
Revolut BR
Fix- Active users
- 402.1k−1.8%
- Activation rate
- 65.7%−6.8pp
- Cancels at risk
- 10,271
3 attributable findings open
Nexo Bank MX
Fix- Active users
- 261.8k+0.6%
- Activation rate
- 68.1%−1.6pp
- Cancels at risk
- 3,381
3 attributable findings open
Vela Fintech AR
Fix- Active users
- 148.9k−1.8%
- Activation rate
- 69.3%−1.1pp
- Cancels at risk
- 1,711
1 attributable finding open
Altiplano PE
Fix- Active users
- 58.2k−1.8%
- Activation rate
- 59.0%−0.9pp
- Cancels at risk
- 1,551
1 attributable finding open
Andes Móvil CO
Review- Active users
- 171.4k+2.4%
- Activation rate
- 57.4%+1.8pp
- Cancels at risk
- 1,371
Activation 57.4%, no defect found
Praia Telecom BR
Hold- Active users
- 132.6k+2.4%
- Activation rate
- 70.0%−0.9pp
- Cancels at risk
- 1,371
Within band on every measure
Sur Digital CL
Hold- Active users
- 94.8k+2.4%
- Activation rate
- 66.7%+0.4pp
- Cancels at risk
- 1,371
Within band on every measure
Direct / Promo
Hold- Active users
- 92.1k+2.4%
- Activation rate
- 90.9%
- Cancels at risk
- 1,371
Within band on every measure
Verdict rules
Computed, not editorial. The same rule runs on every card.
- GrowQuality is sound and activation is above portfolio median. Investment converts.
- HoldStable. Nothing here needs a decision this period.
- FixUnderperformance traced to an attributable defect. Engineering effort has a measurable return.
- ReviewUnderperforming with no attributable defect. The problem is commercial or structural, not technical.