# Grupo ACTO

> Insurtech holding company providing embedded insurance API infrastructure, credit insurance, and digital broker platforms across LATAM and global markets

## At a glance

| Field | Value |
| --- | --- |
| Category | Insurtech Infrastructure |
| Type | Solutions Provider |
| Region | LATAM |
| Headquarters | Guadalajara, Jalisco, Mexico |
| Founded | 2019 |
| Stage | Growth |
| Employees | 51-200 |
| Funding | Series B |

## Overview

Grupo ACTO is an insurtech holding company headquartered in Guadalajara, Mexico, offering API-first embedded insurance infrastructure and digital insurance platforms for carriers, MGAs, and businesses across LATAM, Europe, MENA, and APAC. The company operates under Mexican regulatory frameworks (CNSF and CONDUSEF) and runs five subsidiary brands covering different segments of the insurance value chain.

Its flagship product, Open Insurtech, provides enterprise REST API infrastructure for embedding insurance into third-party digital platforms through reinsurance and MGA arrangements. Other subsidiaries address adjacent market needs: Segupay.io targets credit insurance and financial factoring, Acto.io delivers subscription-based membership protection, Acto Seguros operates as a digital group insurance broker, and Miami Insurtech Advocates Hub functions as a non-profit ecosystem connector for the global insurtech community.

Founded by Carlos Alberto Arroyo and co-founders with over 30 years of combined insurance industry experience, Grupo ACTO has completed Seed, Series A, and Series B funding rounds backed by Cusp Capital, 468 Capital, Resolve Growth Partners, and Questa Capital Management. Its Acto Seguros digital broker platform serves 7,000+ clients in Mexico.

## Products & services

### Open Insurtech

Enterprise REST API infrastructure enabling third-party platforms and enterprises to distribute insurance products via reinsurance and MGA contracts, without building underwriting capability in-house.

**Key features:**

- REST API integration for embedded insurance distribution
- Reinsurance\-backed product access
- MGA contract framework for regulatory coverage
- Enterprise\-grade scalability for digital platform partners

*Target users:* Digital platforms, enterprises, carriers, and MGAs seeking to embed insurance products into customer journeys

### Segupay\.io

Financial factoring and credit insurance platform that helps businesses manage accounts receivable and reduce non-payment risk.

**Key features:**

- Advances up to 95% of invoice value through factoring
- Credit insurance against customer default
- Working capital optimization for B2B businesses
- Integrated accounts receivable management

*Target users:* Businesses managing trade credit risk and seeking liquidity against outstanding invoices

### Acto\.io

Subscription-based membership protection platform offering combined health, property, and lifestyle coverage through major carriers.

**Key features:**

- Digital subscription starting at USD 499/month \(approx\. 9,000 MXN\)
- Coverage through AXA, MAPFRE, HDI, MetLife, and GNP
- Up to USD 1,000,000 in medical expense coverage
- Mobile app access to emergency services including car assistance, home doctors, and ambulances

*Target users:* Individuals and businesses seeking bundled membership\-based insurance coverage

### Acto Seguros

Digital group insurance broker (correduría) specializing in collective policy administration and distribution for businesses and individuals in Mexico.

**Key features:**

- Collective policy management via a digital platform
- Customizable group coverage for businesses and individuals
- Remote access to insurance documents and services
- 7,000\+ clients served across Mexico

*Target users:* Businesses and associations seeking digitally managed group insurance coverage

### Miami Insurtech Advocates Hub

Non-profit ecosystem orchestrator connecting insurtech startups, institutional investors, and global industry stakeholders, primarily in LATAM and international markets.

**Key features:**

- Network access to investors and strategic partners
- Industry events and conferences including presence at ITC Vegas
- Community\-building programs for insurtech innovators

*Target users:* Insurtech startups, investors, carriers, and industry stakeholders globally

## Category & focus

- Subcategories: Embedded Insurance, Distribution & Sales, API Platforms
- Insurance verticals: P&C Personal, P&C Commercial, Health, Specialty/E&S
- Target customers: Carriers, MGAs/MGUs, Brokers

## Notable customers

- AXA
- MAPFRE
- HDI
- MetLife
- GNP

## Links

- Website: <https://www.grupoacto.com>
- Directory profile: <https://insurtechlist.com/companies/grupo-acto/>
- Acto\.io: <https://acto.io>
- Linkedin: <https://www.linkedin.com/company/grupoacto>
- Acto seguros: <https://actoseguros.com>

---

*Last updated: 2026\-07\-04*