Investment opportunity · Peru · 2026

The buyers are there.
The law is there.
The farmers can't reach them.

Mikuy is the B2B trust layer that lets Peru's smallholders sell into the formal food channel — by aggregating supply and documenting delivery performance.

S/ 1.28B
state food budget legally earmarked for smallholders, 2022–24
<1%
of it actually reached them
207,942
registered producers in our first corridor
20–35%
of final price captured by intermediaries
01 · The problem

A volume threshold no smallholder can clear

Peru's formal food service channel — hotels, restaurants, catering — is measurable and it is closed to small producers by arithmetic, not by prejudice.

Via distributors70%
Direct from farmers30% ← our beachhead

Distributors require ≥500 kg per week. A single smallholder in the Andean highlands produces a fraction of that. The threshold is not negotiable — it is how a distributor's logistics economics work.

And they take 20–35% of the final price. The farmer sells to a local collector for cash on the day, at roughly 20–30% below what the channel pays. Nobody is being cheated. There is simply no infrastructure to aggregate.

Source: Perfil del Canal HORECA — ADEX Consulting for MIDAGRI, on USDA-FAS (2023)

02 · Why now

Connectivity got solved. Transaction didn't.

37.6% → 76.5%
Peruvian micro-business operators using internet, 2019 → 2024
6.6%
that actually sell online — 1 in 15
72.6%
of Peru's 2.3M micro-businesses have no access to credit

The state solved the problem it knew how to solve

It brought signal to the countryside. The remaining gap is a different animal: there is no one to sell to, and no way to document what was sold. The gap moved from connectivity to transaction.

And a legal mandate just went unmet

Law 31071 obliges state food programmes to buy from family farming. From 2025 the school-feeding programme awards extra tender points for it — but pushes the burden onto institutional suppliers who cannot find, aggregate or document dispersed smallholders. That is the missing piece.

03 · The solution

An information and trust layer — not a distributor

Mikuy aggregates supply until it clears the buyer's minimum volume, and records what happened on every delivery.

We do

Aggregate

Pool several producers into one order that meets the buyer's volume and specification.

We do

Document

Record delivery date, quantity ordered vs. conforming, and lot origin. This becomes an OTIF score per supplier.

We do

Match

Reference prices and demand signals, so both sides negotiate with the same information.

It runs on WhatsApp, and that is a distribution decision. Peru's food trade already happens there — we bring order to it rather than asking anyone to adopt a new habit. WhatsApp is the acquisition channel until the market digitises around us.

What we deliberately do not do: we never take ownership of inventory, we operate no fleet, we run no cold chain, and we never hold third-party funds. That is not modesty — it is the entire reason we can survive at small scale.

04 · The insight

Price is copyable. A delivery record is not.

The government's own channel study is explicit, and it contradicts what every competitor in this market assumes.

“Price loses centrality against supplier reliability, continuity of supply, cold-chain compliance and logistics performance indicators (OTIF).”

— ADEX Consulting for MIDAGRI, HORECA channel study

So the defensible asset is the compliance record. Price data can be scraped in a week. A two-year history of on-time, in-full deliveries per producer can only be accumulated by operating. We start recording it on transaction one — in a spreadsheet, before any software exists.

And that record compounds into something larger. A farmer with 30 documented conforming deliveries is credit-assessable in a way they are not today — which matters in a country where 72.6% of micro-businesses have no credit access. Digital → Data → Capital, in that order, and not before.

05 · Impact

The measurement nobody is doing

Peru's regional governments deploy public funds into producer associations — equipment, post-harvest infrastructure, certifications. The 2026 potential across regional and local government exceeds S/ 1,700 million.

And then nobody measures whether those associations sold more. The funding instrument has no built-in outcome tracking, and the authorities are required to report results they have no way to produce.

A platform that records every transaction is the measurement instrument

Same OTIF and traceability layer. Same cost. A second customer who needs it for a completely different reason — and a distribution channel into the producer associations we need on the supply side.

Impact is not a slide here. It is the reason a public counterpart has a budget line to work with us, and the reason the supply side gets subsidised onboarding we don't have to pay for.

And it is structural, not stated. Our data stays on infrastructure we run inside Peru, and our payments layer is published open source. Building the engineering talent here is not philanthropy — it is how we staff this at a cost no foreign competitor can match.

06 · Technology

This team ships

The clearest read on execution risk is what a team has already built. Ours is a multi-tenant payments stack covering six countries, in active implementation.

Built · in active implementation

YayaPay — wallet payment acceptance

Latin American wallets give small merchants no commercial API. YayaPay solves it from the other side: an Android app reads the wallet notification and confirms the payment in real time, through a multi-tenant backend.

Own code~6,000 lines
Wallet integrations11
Countries covered6
REST endpoints18

Yape · Plin · Nequi · Daviplata · Pix · MercadoPago

Why this matters for Mikuy specifically

The closest Peruvian precedent died partly from payment delay, and the US$271M failure had to show payment on screen to hold farmers. Instant, verifiable payment confirmation is the one thing this market has proven it cannot operate without — and it is already built.

It also closes the data loop: payment confirmed → delivery recorded → OTIF score, with no one having to report anything.

Built for Mikuy

320 official documents ingested and machine-readable, with a producer registry recovered by OCR from scanned catalogues · three competitor binaries decompiled, validating our backlog against 257 production endpoints · the OTIF and traceability layer that is the actual product.

YayaPay is today deployed for machine activation; integrating it as Mikuy's settlement layer is a committed roadmap item, not a claim about current operations.

07 · Market

One corridor, priced with official data

We open a single origin region and a single destination city. The corridor is the unit — and the unit is what replicates.

Certified cheesesS/ 24–28 /kg
Andean grainsS/ 12–16 /kg
Prepared vegetablesS/ 10–15 /kg
Fresh fruitS/ 3–5 /kg

Corridor one: Puno → Lima. 207,942 registered producers at origin — twice the next Andean region — and 73,517 in the destination market. Anchor products are low-perishability by design: no cold chain, near-zero spoilage.

4–5 star hotels pay up to 40% more for certification or added value, on formal contracts with supplier homologation. That premium is exactly what a documented compliance record unlocks. Replication is corridor by corridor, the way city-by-city marketplaces scale.

Corridor two is chosen, not guessed. The test is where the same anchor products meet a buyer already homologating suppliers — which the channel study puts in Cusco and Arequipa. Same playbook, second instance: new origin against the same destination, or the same origin against a new city.

08 · Competition

We didn't research the competition. We decompiled it.

Three apps taken apart at binary level. Their revenue architecture and their cause of death are documented facts, not inference from press coverage.

Kusikuy · Peru Smattcom · Mexico Frubana · LatAm
Status Abandoned Alive · 8 years Closed 2025 · US$ 271M raised
Revenue lines 1 — commission, plus one grant 7 — membership-centric Inventory margin, ~10–15%
Capital tied per transaction None None Both ends — stock and buyer credit
What the binary showed Died when the grant ended. Its farmer app never got adopted Price is rationed to force subscription — the "free" tier is a funnel 8 city backends, own fleet, proprietary credit book

The public analysis of the survivor counted four revenue lines. The binary shows seven. That gap is the whole argument for doing this work: what a company says it charges for, and what its code charges for, are different documents.

Direct competition in Peru today is one WordPress site reselling wholesale produce with no traceability. The category is open — and now we know precisely which configuration survives eight years and which one burns a quarter of a billion dollars.

09 · Business model

The buyer pays. The producer never does.

Why this way round. Supply is the hard side to acquire, so its barrier to entry must be zero. The buyer has the budget — a Lima restaurant spends S/ 4,825 a month on produce alone — and receives the greater value: time and certainty.

  • Commission per kilogram — transactional, from month one
  • Subscription to data and traceability — recurring, volume-independent
  • Protected transaction — per operation, subject to legal opinion
  • Public-programme advisory — professional services, parallel line

Why we survive where US$271M didn't

The region's best-funded comparable raised US$271 million and closed in 2025. We decompiled its app: eight city backends, a proprietary credit book, an owned fleet. It financed inventory and financed its buyers, on wholesale grocery margins — capital tied at both ends of every transaction.

We tie none. The surviving comparable in this market carries no inventory and has operated for eight years. Capital efficiency here is not caution; it is the only configuration that has ever worked.

10 · Where we are

The product is built. The market is not proven.

We are pre-revenue by sequence, not by stage. We absorbed the development cost ourselves, without external capital.

Already built
  • The commerce engine. An AI agent operating over WhatsApp that reads voice notes, photos and text, extracts product, volume, price and availability, and leaves an immutable record of the transaction
  • The payments layer. Wallet acceptance across 11 integrations in 6 countries, with real-time confirmation
  • The market thesis. Corridor selected on official government data · buyer channel quantified by segment · 54 producers with region and phone, OCR-recovered from the official catalogue · first cooperative identified
Not yet proven
  • No revenue. No marketing. Nothing charged. Deliberately — the effort went into building
  • Next 90 days: 20 buyer interviews · 5 letters of intent with declared volume · 50 producers enrolled through an existing association · 10 closed transactions with revenue collected on all 10

Every phase has a kill criterion. If fewer than 5 of 10 transactions accept our pricing without renegotiation, we redesign or stop. That was written before we started.

The development risk is behind us. What is in front of us is distribution — and that is the risk this round is for.

11 · Team

Four founders, and one of them is already in the U.S.

Alejandro Malaga Cruz — CEO

Informatics engineering, studied and lived in Switzerland. Led mining project acquisition and structuring in Peru: plant purchase by public deed, joint-venture term sheets with Australian and British counterparties, and portfolio representation before institutional investors at Mines and Money London. Speaks five languages.

Andre Tregear Guzman — CTO

AI engineer, based in the United States, founder of a U.S.-incorporated company currently merging with the Peruvian entity. Leads product and the data layer.

Isabel Guzman Yaya — CFO

Qualified as both accountant and lawyer. Owns corporate structure, cross-border governance and the compliance requirements that selling into the formal and public channel demands.

Juan Manuel Guzman Yaya — COO

Metallurgical engineer. Owns field operations and the territorial relationship with producer associations.

Why this matters here: the binding constraint in this market is not code, it is trust on both sides at once — institutional buyers and rural producers. We already operate in both worlds.

12 · The U.S. bridge

By 2028, U.S. buyers must trace Peruvian food to the lot.

A compliance clock, and it has a date

FSMA Section 204 requires lot-level traceability records producible within 24 hours of an FDA request, and it binds foreign suppliers serving the U.S. market. Congress moved enforcement to 20 July 2028 — the date changed, the rule did not.

Most of Peru's export chain cannot produce those records today. We would not build them: lot, origin, dates and delivery evidence are the by-product of a transaction on our platform.

The rail already crosses six borders

YayaPay integrates 11 wallets across six countries — in active implementation, not shipped. A corridor is a template, not a geography. One founder is already in the U.S.

Said plainly: today we export nothing. This is where the same infrastructure points.

13 · The ask

Capital to prove one corridor, not to buy growth

We are raising US$ 250,000 in a pre-seed round to fund the validation phase and the first operating corridor.

  • Buyer acquisition — the paying side of the market, and the one we have not tested
  • Field operations — a territorial coordinator in the origin region
  • Legal and structure — cross-border entity and the protected-transaction opinion
  • Product hardening — not new development. The engine exists

Note what is not on this list: building the platform. That is already paid for.

What we want from U.S. investors beyond money

Pattern recognition on marketplace unit economics, discipline on when to build versus assemble, and introductions into the food-service and impact-capital networks where a documented smallholder supply chain has strategic value.

Mikuy · de la chacra a la olla — from the field to the pot
Alejandro Malaga Cruz, CEO · a.malaga@peruinvestment.net · +51 925 038 820
peruinvestment.net

MIKUY · CONFIDENTIAL · 2026