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Soon, Sofia’s customers became her collaborators. The delivery driver who bought coffee every morning started cashing his tips through Sofia’s Nequi link. The street food vendor used Nequi to send money to his mother in another city without fees. The freelance cleaner received instant payments from clients via QR codes at Sofia’s counter.

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The answer is . Nequi operates as a separate entity from Bancolombia, despite being backed by its financial muscle. This means they have the stability of a banking giant but the agility of a startup. Soon, Sofia’s customers became her collaborators