Sellers on marketplaces like Amazon face a critical liquidity problem: platforms hold their funds for 14 days or more due to security measures and potential returns. This retention slows growth for many sellers who need capital to purchase inventory, invest in advertising, and scale their operations.

Wannme, a Spanish revenue-based financing company, identified this opportunity but faced a key operational challenge:

How to advance up to 90% of net sales while maintaining total control over the collection and recovery flow?

Wannme’s Challenge

Wannme is a fintech that offers payment advances to marketplace sellers.

The main challenges in its creation were:

  • Inability to open on-demand bank accounts for each seller
  • Lack of real-time visibility into each merchant’s income
  • Absence of automated processes for financing collections
  • Slow onboarding processes that delayed access to capital

Wannme needed an API-first payment infrastructure to solve the identified challenges and execute their complete business model.

The solution: on-demand account infrastructure and full automation of payment and collection processes

Devengo became the perfect operational partner for Wannme. Its value proposition is built on three core capabilities of Devengo’s API:

1. On-demand IBAN account creation. Each marketplace seller receives their own payment account in seconds, where Amazon deposits their sales. These accounts give Wannme total real-time visibility into the sales of the vendors they’ve extended credit to.

2. Instant payment orchestration. Once funds arrive in the seller’s Devengo account, Wannme:

  • Automatically recovers the advance made (+ corresponding commission)
  • Instantly transfers the remainder to the seller’s external account
  • All without manual intervention

3. Traceability through webhooks. Real-time notifications enable immediate and automatic actions when a transfer arrives, maintaining 24/7 operational flow without friction.

Results Achieved

✅ Viable business model: Devengo becomes the solution that enables Wannme to operate in an automated, efficient, and scalable manner. The payment infrastructure provided by Devengo gives Wannme real-time visibility and the ability to execute instant, automated payments and collections.

✅ Transfers and collections on autopilot without stress: Automation enables automated execution without manual intervention, according to Wannme’s business rules.

✅ Scalability: Thanks to Devengo’s payment infrastructure, Wannme manages its client growth sustainably.

✅ Accelerated geographic expansion: Wannme currently operates throughout the Eurozone. The strongest growth is recorded in Italy and Spain, where Devengo’s automation enables scaling without proportionally increasing operational burden.

✅ Financial traction: Wannme secured €7 million in its latest round to expand its financing capacity, validating the strength of its model based on Devengo’s instant payment infrastructure.

Wannme Jose Luis Vedasco Testimonial

Devengo’s Potential for the Lending Sector

The Wannme case demonstrates how Devengo’s API-first payment infrastructure enables new business models in lending:

In loans, the biggest challenge isn’t disbursement—it’s recovery. Devengo eliminates that risk by offering total operational control over fund flow, which enables:

  • Automatic recovery before funds reach the customer
  • Complete visibility of income to dynamically adjust financing
  • 24/7 operations without human intervention, from disbursement to repayment
  • Immediate beneficiary verification, ensuring money only moves to the correct account

If your business model requires visibility over client cash flows, advancing funds based on projected revenue, or automating collections/payments, Devengo’s infrastructure can be the differentiator that scales your operation.

Want to talk about your use case? Contact us today!

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