Co-founder & CEO @ AirFox

FinTech & Blockchain 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


Airfox CEO Victor Santos is bringing financial inclusion to underserved populations around the world. He co-founded Airfox at the Harvard Innovation Labs, after incubation at TechStars Boston, to extend critical financial services to the billions of unbanked and underbanked. Victor is an ex-Googler and Forbes 30 Under 30 Social Entrepreneur. A DACA dreamer, Victor immigrated from Brazil at the age of 12 and graduated from UC Berkeley. Victor began working with emerging markets and VoIP at iWorldServices, opening its LatAM division. He then co-founded Ciao Telecom, where he launched a platform for VoIP entrepreneurs in Brazil and an advertising-based mobile virtual network operator (MVNO) with Sprint in the U.S. After growing Ciao Telecom to double-digit millions in revenue, Victor joined Google working on the AdWords Google Partners program.

2015 Now
Co-Founder & CEO at Airfox

Co-Founder & CEO

Airfox’s mission is to provide emerging markets with access to capital and financial services through a smartphone. Two billion people in the world do not have access to bank accounts or financial services to get capital for emergencies or to start business.
-Leads venture-backed startup of 25 incubated out of TechStars Boston and Harvard Launch Lab
-Spearheads fundraising and investor relations raising collectively $16.5M through 4 VCs, 10+ angel investors and an ICO
-Oversees company vision, strategy, product, marketing and partnerships across functional heads

Alumni of Accelerator Program, Boston at techstars-HarvardiLab

Alumni of Accelerator Program, Boston

TechStars:Techstars accelerator portfolio includes more than 1,000 companies with a market cap of $8.1 billion.

Harvard Innovation Labs: 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.