Co-Founder & CEO @ AirFox

FinTech Entrepreneur



Forbes 30 Under 30 - 2018 Social Entrepreneurs

Airfox is what happens when cryptocurrency meets social entrepreneurship. The company is tapping into the decentralized power of the Ethereum blockchain to make financial services more affordable to the unbanked. Airfox recently held an $15 million ICO for a total funding of $16.5 million.

MIT Technology Review 35 Innovators Under 35 2019 Latin America

The Innovators Under 35 award recognizes individuals whose technical work promises to shape the coming decades. Santos was selected by MIT Technology Review for his dedication to accelerating financial inclusion through technology. Today, billions still remain unbanked and underbanked, meaning they lack access to basic financial services.

AirFox HBS Case: Embracing the Blockchain and an ICO

In summer 2017, Victor Santos, CEO of AirFox, considered whether to pivot his startup towards a new product built with blockchain — a quickly growing technology at the time. AirFox was an early stage startup that sold Software-as-a-Service (SaaS) to small telecom companies. Santos and his team brainstormed a new business, which would launch a new blockchain currency to facilitate financial services for unbanked and underbanked customers in emerging markets via their smartphone.

August 2018
UC Berkeley alumnus Victor Santos works to change the finance world

When he was 12, Victor Santos’ family sold all of its property in Brazil before moving to the United States and settling down.“When we arrived, I did not speak a word of English,” Santos said in an email.Santos, who graduated from UC Berkeley in 2013, said in the email that he still struggles with distinguishing himself as either American or Brazilian. He added that he adopted his parents’ “optimism and work-ethic”

November 2018
I’m a Dreamer and entrepreneur. But Trump says I’m a problem

I can’t put my finger on it, but sometime over the last few years, I became a national villain. I was a wide-eyed 12-year-old when I arrived to the United States. My parents owned a small construction company in Brazil, and, like many before and after, moved here hoping to forge a brighter future for themselves and for their child. Possessing minimal savings and limited English, they worked hard to restart our family business in Los Angeles.

Airfox Partners with Brazilian Retail Giant on Mobile Blockchain Financial Services

Airfox today announced an exclusive partnership with Brazilian retail giant Via Varejo to extend its mobile financial services to 60 million Brazilian consumers across Via Varejo's retail locations and e-commerce websites. Nearly 1,000 of Via Varejo's Casa Bahia stores will support the Airfox digital banking platform, providing millions of underserved Brazilian families access to Airfox's affordable financial solutions.

Victor Santos: Founder and CEO of Airfox


As a tech entrepreneur, Victor Santos focus is FinTechs, blockchain, financial services, and emerging markets. Santos has previously held a diverse of international operational experience across mobile, AdTech and telecom. Santos received a B.S. degree from UC Berkeley and previously was a product marketing manager at Google prior to starting AirFox and its banQi digital bank in Brazil. Santos was recognized as a Forbes 30 Under 30 Social Entrepreneur and MIT Technology Review 35 Under 35 Innovator in LATAM for creating AirFox mobile micro-lending solution in Brazil.

Victor Santos moved to the US from Brazil when he was 12 years old. He is a proud dreamer DACA recipient and an outspoken activist for improved immigration policy in the US.

2015 Now
Co-Founder & CEO at Screen Shot 2019 06 05 At 5 33 21 Pm

Co-Founder & CEO

Airfox's mission is to accelerate financial inclusion in emerging markets, beginning in Brazil with banQi's digital challenger bank and its partnership with ViaVarejo (VVAR3) - The country's largest retailer with 50M customers. Airfox's banQi mobile banking application seamlessly provides digital banking, payments, and credit solutions to the tens of millions of underbanked Brazilian consumers nationwide, which aims to alleviate the variety of burdens and high costs related to the deeply entrenched banking industry.

Alumni of Accelerator Program, Boston at techstars-HarvardiLab

Alumni of Accelerator Program, Boston

Airfox moved from Silicon Valley to Boston to participate and eventually incubate @ TechStars Boston and Harvard's Innovation Launch Labs.

Techstars accelerator portfolio includes more than 1,000 companies with a market cap of $8.1 billion with less than 1% acceptance rate for its companies.

The Harvard Innovation Labs is a vibrant, cross-disciplinary ecosystem for the Harvard community to explore innovation and entrepreneurship while building deeper connections.

2011 2015
Co-Founder & COO at Ciao

Co-Founder & COO

-Successfully implemented a company restructure in both Brazil and the US totaling 13% in overhead savings
-Launched a brand new virtual carrier in partnership with Sprint, offering an ads-backed, Latino focused, free cellphone service reaching 50,000 subscribers
-Oversaw company’s explosive personnel and +900% revenue growth with annual revenues totaling $30M with a 17% EBITDA

2012 2014
Marketing Manager & Business Analyst Intern at Google

Marketing Manager & Business Analyst Intern

-Co-led team of 8 sales reps, activating outbound acquisition initiatives across ad agencies, and generating +$11M in revenue
-Budget Manager for $60M budget, responsible for internal finance communications across AdWords’ VP and Director staff
-Created a more efficient and automated lead qualification and demand management process for global enterprise partners
-Improved demand management time by an average of 20% for Latin America channel partners

University of California Berkeley at Berkeley

University of California Berkeley

-B.S. Business Administration, CET Engineering Leadership Concentration
-Member of Management Leadership of Tomorrow (MLT)
-VP of Finance for Alpha Kappa Lambda Fraternity (AKL)
-VP of Finance for Latino Business Student Association (LBSA)
-Transferred from Community College and worked full-time during 4 years in undergrad

2009 2011
Business Development Manager at Iworld

Business Development Manager

Generated $2.2M / year of revenue in Portuguese speaking countries (Brazil, Angola, Mozambique and Cape Verde).

Developed and managed Portuguese and Spanish speaking countries selling, consulting and marketing a VoIP platform to medium sized entrepreneurs and value-added.


Boston, Massachusetts