Our Approach

We believe in the power of crowds.

By empowering users with peer to peer solutions that are more cost-efficient and convenient, we build long lasting fintech companies that can improve people’s lives. We provide access to money from developed countries to conduct impact lending in emerging countries.



TuTasa connects lenders with borrowers, reducing operational costs, aiming to benefit borrowers with lower interest rates and lenders with greater returns.



Finpros allows borrowers to fill in one form to receive financial offers from multiple lenders purpose fit to their needs, saving the borrower time and money from calling each lender.



TuTasa’s loan-book is being migrated to the blockchain to allow 24/7 external audits. Tucoin is the crypto currency that will emerge to allow multi country lending with less volatility.



Emsightz is in course of processing millions of data points to come up with an alternative scoring for Fintech on emerging countries.

We deliver excellence

At Join Universe we do care about details. We combine beautiful designs with functional tools for a remarkable user experience cross-platforms.

Some Fintech Assets

Current Portfolio

The Team

Meet the Team

Marcelo Barreneche


Marcelo eats, sleeps and breathes business. He was born in Uruguay – moved to London in 2010 to set up Join Universe, complete his MBA and form a beautiful family. Following his serial-entrepreneurial instincts, he transformed Join Universe from a digital agency into a Corporate Group to better lead and finance all the projects he looks forward to build.

Juan Ruiz


Juan combines a unique financial and commercial skill-set to come up with strategies that work. Argentine born, he has the entrepreneurial DNA rare to find in a post-graduate financier who build up his career within multinational firms. He has a clinical risk/reward mind-set, critical for capital allocation cross-sections to make businesses grow at any stage. His duty goes well beyond financial services, with core competencies in risk management and compliance.

Jukka Leino


You need to meet Jukka to confirm he is not virtual reality. Finnish born, he has deployed his computer science expertise in multiple disciplines from machine learning, virtual reality and consumer behaviour modelling, to government projects. His curiosity and appetite for disruptive technologies cannot align better with our philosophy and growth strategy.

Diego Guidobono


Diego is at the heart of our operations, where computing and finance meet. Uruguayan born, he is a singular case of a postgraduate computer scientist with commercial skills. His extensive expertise in the financial industry and pragmatic engineering mindset are like bread and butter when it comes to executing our expanding Fintech products.

Sami Suuronen


Sami has unlimited appetite for data science. Finish born, family advocate, he deploys all his thick academic and multinational awards to purify big data through automated techniques, coming up with relevant products that matter. Although friendly, he doesn’t speak much at work, but with computer interfaces. Sami is at the core of our crusades towards AI for developing marketplaces that can improve people’s lives.

Denisse Donoso

Marketing Director

Denisse understands people. Bolivian born, UK citizen, her international relations background has been enriched with years of expertise in the financial and media industry, providing an unique skill set poised to position our brands internationally. She’s the heart of our firm, getting involved in tough decision making with a remarkable cold-minded approach.

Matt Grimsdale

Finance Director (UK)

Matt is our financial glue. He makes our multi-country operations look simple, providing solid foundations for financial innovation and scalable corporate growth. UK born, he has our entrepreneurial DNA stamp, applying institutional expertise to build long-lasting companies that can have an impact. Matt keeps the house in order and takes a commercial view with an analytical, enquiring mind going beyond the traditional reporting and compliance role. Matt takes the initiative and has a hands on approach to the group which provides a platform for delivering results.

Valerio Oricchio

Director (U.S)

Valerio truly embodies Join Universe’s international persona. Indonesian born, Italian raised, US resident, Valerio holds a Master in Transportation Engineering from Georgia Tech – he knows how to get us from where we are to where we want to be with the less possible friction. A rare breed of engineer who can stomach risk and explore new boundaries, a true champion and driving force of Join Universe’s entrepreneurial DNA.

Juan Pablo Garbora

Senior Software Engineer

Juan Pablo is like rocket fuel, propelling our tech powerhouse to achieve ambitious goals, faster. Uruguayan born, Spanish resident, his mastery in computer science with strong expertise in the financial sector have helped to engineer Join Universe’s scalable architecture, which now flourishes in multiple countries. JP is at the beating heart of our strategy to build the next generation of Join Universe’s Fintech portfolio, stacking trends that provide us with a sustainable competitive advantage.

Ana Santillana

Head of Content

Ana’s stories inspire the masses. Mexican born, global citizen, Ana’s extensive marketing and story-telling background has transformed our branding into a desirable content hub with thousands of followers in multiple countries. Ana is the voice of our Group, inspiring our audiences with both meaningful and educational content that can create lasting impact, championing our corporate motto.

News & Press

Press Articles

Scroll to top