# Talino Venture Labs Invest in our inclusive fintech, Asenso Finance, at www.wefunder.com/asenso ## Elevator pitch Talino Venture Labs builds inclusive fintechs that offer financial access and inclusion to underserved minorities, migrant professionals, the uninsured, cash-strapped entrepreneurs, and recovering businesses As a venture studio, we bring in the best talent, technology, and expertise to build highly repeatable, efficient, profitable, and scalable businesses in partnership with industry leaders, exponentially increasing our market share and success while minimizing risk. - Canonical URL: https://wefunder.com/talino.venture.labs - Entity ID: wefunder:company:90122 - Last updated: 2026-06-19T05:00:35Z - Generated at: 2026-06-19T10:37:12Z ## Quick facts - šŸŒ Founder and CEO is a former VC at Intel Capital and has sold a company to IBM - šŸ’ø Venture companies have raised over $7M in 2 years; venture studio has earned $2M in revenue and is profitable - šŸš€ Venture Studio based on successful model pioneered by Idealab, Rocket Internet, and Science - šŸ† Multi-award-winning businesses recognized by UNICEF, the Asian Development Bank, and the FDIC - āœØ Operating Partners include former CTO of Ebay, Qualcomm, Oracle and SAS - šŸ‘„ Leaders include WEF Young Global Leaders & globally awarded entrepreneurs - šŸ¦ Partnerships signed with US banks and major US grocery chain - šŸ“° Featured on CNN, Yahoo!, Entrepreneur, Esquire, The Fintech Times, BusinessWorld, and more ## Active fundraises - wefunder:fundraise:46947: 4(a)(6) successful (USD) - wefunder:fundraise:46957: 4(a)(6) successful (USD) ## Story Despite the proliferation of fintech companies around the world, there remains a $5.2 trillion financial inclusion gap impacting at least 1.7 billion people unserved around the globe.In the United States alone, at least 63 million American adults are either unbanked or underbanked, and need access to alternative financial services.Financial exclusion is expensive and robs people of opportunities, but it also leads to huge opportunity losses for entire economic segments and markets.Talino Venture Labs is THE go-to fintech venture studio building next-generation companies for financial inclusionBorn at the intersection of Silicon Valley and Southeast Asiaā€™s hotbeds of innovation and emerging-economy opportunities, Talinoā€”named after the Filipino word for ā€œintelligenceā€ā€”has replicated its successful business model in high-value startups with a combined market value yield of over $250M.Our secret sauce? The tried-and-tested venture studio model, powered by Talino FITā„¢ (Talino Financial Inclusion Technology), a robust and reusable tech stack that is already being used by financial institutions across our existing startups, impacting users across Asia and the United States.Talino FITā„¢ gives us the capability to build, deploy, and scale new technologies and businesses with greater agility and efficiencyā€¦ ā€¦ In partnership with large private and public sector organizations that have given us scale and market access.Talinoā€™s startups have won two consecutive years of the Asian Development Bankā€™s challenges and hackathons, each besting over 100 startups and technology solutions from around the globe. In September 2021, the team won a tech sprint of the Federal Deposit Insurance Corporation (FDIC) to reach the unbanked in the United States.These global accolades by development experts attest to Talinoā€™s impact-driven innovation and its potential for replicability and scale in other emerging markets.Talino has made a mark across different media markets with the message of inclusion and impact-driven innovation for the worldā€™s underserved markets. In addition to coverage from mainstream media in different parts of the globe, youā€™ll find Talinoā€™s CEO hosting Clubhouse chats, #TalinoTalks, and guesting in podcasts to share sage advice and expert knowledge with other startups and ecosystem players from different corners of the globeA formula Talino has used for its success is the venture studio model pioneered by Idealab, Rocket Internet, Science, and entrepreneurs like Elon Musk. Startups created by studios earn an internal rate of return (IRR) of 53% versus 21.3% by traditional startups, taking barely 11 months from zero to seed, versus 36 for traditional startups.Moreover, venture studios leverage on valuable expertise, human resources, and intellectual capital to take startups to market and help them achieve growth and scale, with repeatable success.To further set the stage for this success, Talino is now a proud member of the Global Startup Studio Network (GSSN).We believe we can grow our profitable venture studio operations by 15x in the next 5 years.We believe Talino will create exponential value through its proprietary SaaS Platforms that form the backbones of its startupsā€™ operations, as well as through the ventures that are built to address the financial inclusion gap in the United States and in other underserved, emerging markets in other parts of the world.Aside from the 25% discount you get when you invest at the Early-Bird stage, Talino offers its investors exclusive MasterClasses, business insights, premium products from artisan communities, and more. ## FAQ 1. **So I found this to get answers to my questions about the reservation and cash transfer (it took a week from Europe just FYI): https://help.wefunder.com/154992-linked/reservations-&-wefunder-cash-101 . So shortly If I get it right... 1) Reserved money now = waiting for lega...** - Thanks for reaching out, Petr! We'll be back in touch shortly to respond to your question on timelines :) 2. **1) An investment in Talino means weā€™re getting ownership in the existing portfolio companies as well as all those created in the future, correct? 2) Do you anticipate making a payout to investors (e.g., dividends), when portfolio companies have an exit? 3) What's the exit stra...** - Hi, Kevin! Thanks for your questions! To answer: 1) An investment in Talino means weā€™re getting ownership in the existing portfolio companies as well as all those created in the future, correct? - Yes; an investment in Talino means an investment in existing and future companies under Talino Venture Labs 2) Do you anticipate making a payout to investors (e.g., dividends), when portfolio companies have an exit? - Yes, there will be dividends on the profits of Talino and potentially on sales of ... 3. **Hi Nina, I wanted to follow up on this comment from another post (as Wefunder won't let me reply to a thread) ā€˜Do you anticipate making a payout to investors (e.g., dividends), when portfolio companies have an exit? - Yes, there will be dividends on the profits of Talino and p...** - Hi, Amit, thank you for your question and interest in Talino Venture Labs! If the Board of Directors declares dividends, these will be extended to SAFE holders without converting to preferred shares and will be calculated based on the formula provided for by the SAFE agreement. For more details on our terms, please review our Form C: https://wefunder.com/talino.venture.labs/form_c/ 4. **How much ownership does Talino Venture Labs have in the portfolio companies? Can you give any criteria to when the "proper timing" is for a IPO?** - Hi Ryan, Talino's ownership of its portfolio companies range from 22% to 100%, depending on which stage these companies are in. The criteria to IPO depends on a variety of factors ranging from market timing , the health of our gross margins, and road map for growth. As a Public Benefit Corporation, we will do what is in the best interest of the communities we serve while keeping the interests of our investors top of mind. 5. **I notice that the amount invested recently dropped significantly - from about $270K to $170K. Bearing in mind that your campaign page now says that you've received investments of $170K relative to a $250K goal, is $250K the maximum or minimum that you're attempting to raise th...** - Hi Kevin - $250K is minimum. The momentary drop was just processing lag when some of the investors converted their reservation to committed investment. ## Team - Winston Damarillo (CEO) ## Recent posts - SME Finance Forum, managed by the IFC and the World Bank Group, welcomes Talino into its roster of members committed to financial inclusion (2021-10-29T15:27:37Z) - BayaniPay featured in one of the world's top tech podcasts (2021-10-27T15:04:19Z) - BayaniPay cited as a "Future 5 of Los Angeles" startup by Built in LA (2021-10-26T15:38:29Z) - EXCLUSIVE: Talino's Select LA panel to be livestreamed on Facebook--TODAY, Oct 21, 3PM PST! (2021-10-21T16:15:02Z) - Talino joins the SME Finance Forum, the global network for financial inclusion powered by the World Bank Group (2021-10-18T16:04:44Z) - Talino joins LAEDC Board of Governors, speaks about alternative capital and financing opportunities at Select LA Investment Summit (2021-10-14T02:58:52Z) - Leading Ladies: UNAWA Co-Founders Make It to Asia Business Law Journalā€™s Top 100 List for the Fourth Straight Year (2021-09-27T10:30:33Z) - Talino's work showcased at PH International Design Conference 2021 (2021-09-24T14:56:01Z) - A closer look at NAAC-Talino Finance's 'Market Readiness' win at the FDIC's tech sprint (2021-09-15T16:31:10Z) - NAAC-Talino wins in FDIC's tech sprint! (2021-09-13T16:45:38Z) - Hello, Chicago! See you at the Bank Customer Experience Summit on September 13-15! (2021-09-13T15:12:03Z) - '#TalinoTalks: Demystifying Equity Crowdfunding' happens on Sept. 9 (US)/ Sept. 10 (PH) (2021-09-08T00:21:25Z) - #TalinoTalks launched to talk about innovation, inclusion, impact--and more! (2021-09-07T04:04:36Z) - ADB Economist Aimee Hampel-Milagrosa shares her testimonial of Talino-UNAWA team (2021-09-02T03:11:11Z) - Talino CEO Winston Damarillo speaking at Bank Customer Experience Summit (Chicago) (2021-08-27T14:31:07Z) ## Q&A - Q: Can you explain to me your rationale for adding a redemption clause to the SAFE? Why should an investor renew the investment after the addition of the clause? - A: Hi MN - SAFEs are primarily intended to be converted to preferred shares. But there are cases where the company will need to make a redemption or a preferred share conversion does not happen. We determined that 200% redemption rate is fair from our perspective. As an investor, this is something that you should definitely consider when making an investment. - Q: Am I reading their terms update correctly to specify the upside on an investment is doubling the original capital at best? Isn't the point of seed investing to have an out of the park investment to cover all the ones that don't make it? This seems like unlimited downside with very restrictive upside. - Q: Not saying that you will do this, but if the company becomes a billion-dollar unicorn, you can use the Redemption Clause to redeem the SAFE by paying about $900K (roughly 2x the current investment of $450K), correct? As an investor, that's a little unnerving, so can you talk about the scenarios where you envision invoking that clause? - Q: Am interested to invest in Talino soon - A: Thx ! :) Appreciate your support - Q: Do you invest into blockchain technology companies? If you do, do you allow Wefunder investors to participate into their private sales before it hits the public? - A: Hi Quang - Some of our portfolio companies leverage blockchain technology for financial services but we do not offer blockchain for private sales of equity or asset. - Q: If any distribution of profit sharing or income or Payback of some sort to shareholders??? How will the Payback of the loan be made to international non-accredited shareholders as income to our bank accounts or wallets?? As shareholders at least communicate with us on a bi-annually or quarterly basis or wharver is regulated by the SEC. I believe accountability, transparency and responsibility should be held to the standards of any company. - Q: I can't for the law to change to allow international non-accredited investors - Q: Will Talino Venture Labs have another Crowdfunding campaign round again in the future??? - Q: Winston Damarillo, Will Talino Venture Labs have another Crowdfunding campaign round again in the future? I so want to be an investor of Talino Venture Labs on wefunder.com - Q: It is unfortunate that Talino Venture Labs gave investors their refunds back. I was looking forward of being a shareholder of such a great startup company, Talino Venture Labs in Asia - Q: When will Talino Venture Labs have another Crowdfunding campaign round again in the future?? - Q: It is unfortunate that Talino Venture Labs gave investors their refunds back. I was looking forward of being a shareholder of such a great startup company, Talino Venture Labs in Asia - Q: Forcing a pay out to early investors is just ripping them off! Early investors take all the risk, then once you have success, pay out the investors and hold the early investors shares to takeout later equity of 10x or much more! Share holders should have a choice to cash out or not. Not be forced out once the company starts to make a profit. You are a Complete Scam Artist, Winston Damarillo! - Q: Am confused, I thought that Talino Ventures was doing well. Why did I receive a refund back 2x?? Will Talino Ventures have another Crowdfunding campaign round again in the future for investors?? - Q: Can you please provide quarterly update? Thanks.