Case studies

Tuapp Uruguay

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Tuapp is the Uruguayan open mobile wallet of the state-owned telecommunications company ANTEL and the state-owned bank BROU, powered by our Digital Wallet solution.

In 2018, our Digital Wallet solution was selected by the Uruguayan companies ANTEL and BROU, to develop an open digital wallet branded as “tuapp”.

Tuapp is the first application in Uruguay with interoperability between mobile network operators. Thus, any user can install it regardless of the mobile phone operator he/she has.

The underlying technology allows linking each user’s account to the main means of payments of the country. Tuapp is based on an open-loop model for all Uruguayan people, so having a bank account is not mandatory.

Discover the main Use Cases of Tuapp


Send and receive money quickly and easily.

QR Payments

Pay in stores with QR code under the EMV standard.


Play official games and bets.

Online Shopping

Shop online at the automated Antel Go store.

Bill Payment

Pay your bills like water, electricity, common expenses, cable TV, sport clubs and health insurance.

Public Transport

Pay taxi trips.


Schedule appointments to issue/renew your ID card.


Pay parking directly.


Top up your phone, for every mobile operator in the country.


Subsidies Distribution

Since the beginning of the COVID-19 pandemic, tuapp has played an important role as the chosen digital tool for the delivery of subsidies to cover basic needs, in association with the Uruguayan Ministry of Social Development (MIDES,

More than 1 million subsidies have been credited to the beneficiaries’ digital wallets and redeemed at over 2,400 authorized stores nationwide.

Read more here:

Uruguay, a global success case in controlling the pandemic, uses Inswitch fintech as a service platform to digitize subsidies

The Results

With the successful implementation of this project, Inswitch added a new success case to its long history of milestones in the mobile financial services universe. Tuapp meant the remarkable development, together with the government-owned ANTEL and BROU, of an open ecosystem that guarantees interoperability of network operators and financial inclusion.

700K+ Active Users

Tuapp has over 700,000 regularly active users.

Banked - Under/Unbanked

Tuapp can be used by any user, with or without a bank account, thus promoting financial inclusion.

+1.3 M Subsidies Users

Hundreds of thousands of people have already accessed over 1.3M special COVID-19 digital subsidies thanks to tuapp, and easily use them in stores to cover basic needs.

3,000+ Points of Sales

Tuapp can be used to make payments in over 3,000 stores nationwide.

MNOs Interoperability

Tuapp can be used by any user of any mobile network operator in the country.

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