Founder @ AirFox & banQi

FinTech Entrepreneur & Investor



November 2018
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.

November 2019
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.

May 2018
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.

May 2020
Brazilian Retailer ViaVarejo Acquires FinTech Airfox

Brazilian retailer Via Varejo has acquired Boston-based fintech Airfox, nearly two years after the companies announced a partnership to provide banking services to millions of consumers in the country.

Airfox entered a deal in September 2018 to provide its banQi mobile banking app through Via Varejo, which serves about 60 million customers through its Casas Bahia and Ponto Frio retail chains, according to a press release.

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.

Victor Santos


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. Victor Santos currently is also a Limited Partner and Venture Scout for One Way Ventures an immigrant focused early-stage venture capital fund.

2020 Now
Chief Strategy Officer at Screen Shot 2020 09 20 At 11 57 20 Am

Chief Strategy Officer

Spearheading banQi's product, engineering, marketing and corporate strategy across São-Paulo and Boston after Airfox / banQi acquisition by ViaVarejo (BVMF: VVAR3)

2019 Now
Limited Partner & Venture Scout at Screen Shot 2020 09 20 At 12 01 57 Pm

Limited Partner & Venture Scout

Venture Capital built for immigrants by immigrants - Investing in exceptional tech founders shaped by the immigration experience. First Venture Scout looking for amazing immigrant entrepreneurs.

2015 2020
Founder & CEO at Screen Shot 2019 06 05 At 5 33 21 Pm

Founder & CEO

banQi is a neo-bank focused on bringing financial, social and digital inclusion to the 120M underbanked Brazilians. With banQi, Airfox aims to provide free and simple financial services for everyday use. Powered by the Airfox platform, we evolved the Airfox app into a new and more Brazilian-friendly brand. banQi represents what it means to break down financial barriers in Brazil, enabling us to satisfy the financial needs of our target audience in the C, D, and E social classes.

2016 2016
Accelerated by TechStars & Harvard Launch Labs at techstars-HarvardiLab

Accelerated by TechStars & Harvard Launch Labs

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

Telecom Software. A B2B Private-Label Emerging Market VoIP Reseller Platform "Twilio for non-technical entrepreneurs" and a $10 / month mobile wireless plan subsidized by AdTech as a Mobile Virtual Network Operator with Sprint

2012 2014
Marketing Manager & Business Analyst Intern at Google

Marketing Manager & Business Analyst Intern

Business Analyst Intern on G-Suite, (APMM) Marketing Manager on Google 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

Telecom platform to medium-sized entrepreneurs and value-added software resellers starting their own VoIP business in emerging markets