📌 Introduction

Argentina is undergoing a profound change in the way money is managed. While cash is losing prominence, virtual wallets, digital investment, and the use of artificial intelligence in financial services are on the rise.

What was once “something of the future” is already here, and 2025 looks like the year when fintech will become part of your daily life.

In this note, we present the 5 major trends marking the present (and future) of money in our country.

1. 💸 Goodbye cash, hello QR

Cash is in retreat. According to the BCRA and industry chambers, over 60% of transfers and payments are already made digitally, primarily through CVU and interoperable QR codes.

By 2025, contactless payments will reach public transportation (such as the subway or buses in AMBA), and more kiosks and businesses will accept virtual wallets like Ualá, Mercado Pago, or MODO.

What changes for you?

You can leave the house without your wallet. You only need your phone to pay, transfer, or receive money.

2. 🔗 Fintech and banks: from enemies to partners

A few years ago, it was said that fintech would “replace” banks. Today, more than 50% of traditional banks work alongside financial startups, integrating services, using APIs, and improving user experience.

For example:

• Banks offering investment products developed by fintechs.

• Wallets that connect to your bank accounts.

• Applications that centralize all your transactions, regardless of the institution.

What changes for you?

More control over your money in one place. Better products and fewer obstacles.

3. 🪙 Tokenization: investing in pieces

One of the biggest innovations this year is the tokenization of assets: thanks to blockchain, you can now invest in “chunks” of real assets like properties, art, bonds, or mutual funds.

This allows anyone, even with $5,000, to access instruments previously reserved for large players.

Example: On platforms like Buenbit or Quiena, formats for investing in tokens backed by real assets are already being tested.

What changes for you?

Investment is being democratized. You can invest from your phone, without paperwork or millions.

4. 🤖 Fintech + AI: your personal advisor

Artificial intelligence has arrived in finance to stay. Many apps use AI to:

• Analyze your spending habits.

• Suggest ways to save.

• Detect potential fraud before you do.

• Create a budget tailored to your lifestyle.

Even tools like ChatGPT or Copilot already allow for investment simulations or comparisons of banking products with a single inquiry.

What changes for you?

You have personalized help to make better decisions with your money.

5. 💹 Growing digital funds

In 2024, mutual funds accessed via mobile grew by 217%, reaching over $57 billion in assets.

Fintech companies allow entry with minimal amounts ($1,000 or less) and in products that yield daily returns.

Platforms like Ualá, Mercado Pago, Cocos Capital, or Personal Pay already offer easy investment, without hassles, and with immediate liquidity.

What changes for you?

Your money can generate more money, without you having to move it from the app.

✅ Conclusion: easier, more accessible, more Argentine

The Argentine fintech ecosystem is more mature than ever. With clear rules, accessible products, and integrated technology, financial management is literally at your fingertips.

At FinGuru, we will continue to support you so that:

• You learn to use these tools.

• You understand how to invest without fear.

• You know how to choose what suits you best.