When Brazilian digital bank Inter decided it was time to take on the US market, it didn’t look to New York or San Francisco. It planted its flag in Miami. “Miami is our home and Inter’s home,” said COO Ray Chalub, who moved here with his family two years ago to lead the expansion. “Miami is a global city, and for us, it’s the ultimate destination,” he said. “It’s business-friendly, multicultural, and perfectly positioned geographically: connected to Latin America, the West Coast, and Europe. And beyond that, we call it home.” Inter has nearly 60 employees in Miami, part of a global workforce of 4,000, 40% of whom are technologists. The company’s US offering centers around a super app that combines traditional banking services with features designed to stretch across a customer’s daily life. The Inter app allows users to open a free checking account, make transfers, use debit and credit cards, and invest in stocks and ETFs with zero brokerage fees. But Chalub emphasized that the goal is much broader: “We want to be at the center of people’s financial lives. That means everything from mortgages to gift cards, from paying abroad to discounts at major retailers.” One of the company’s most distinctive US offerings is its credit card. Inter’s version includes a buy now, pay later feature that Chalub believes could catch on widely. “We’re offering pay-in-four, but instead of four weeks, it’s four months,” he explained. “Imagine buying a new phone or booking a trip and spreading that cost over months without interest. That’s powerful.” The card also comes with a twist: customers can “chat” with it in the app, using a GPT-style interface to manage payments and set up installments. The company’s public goal is to reach 60 million customers globally in the coming years, with the US playing a central role.