Francisco jose Martin toro

Listen up about Francisco Jose Martin Toro. This guy is the real deal in the startup world, especially in the crypto and Web3 scene. He rolled into YC back in S19, that’s a solid badge, shows he’s got the grit and vision from the jump. Before that, he was deep in the trenches with companies like Coco Wallet and Globalpeak crypto exchange.

Coco Wallet, by the way, is not just some random project, it’s a Web3 super app that’s changing how remittances work in Latin America. Think about it: millions of folks sending money home, often getting ripped off or waiting forever. He’s building tech to fix that, making it faster, cheaper, more accessible. That’s some real impact, no cap. Plus, Coco Wallet is pretty hot, it’s been featured in articles like “Build a Great Startup in 2025 with FI Colombia” and “2025 Best Y Combinator Startups from S19 Batch,” so he’s clearly crushing it on the big stage.

What does that say about him? Dude’s got a serious motivation to solve real-world problems, especially in Latin America, where fintech and crypto can really turn lives around. He’s not just in this to get rich, he’s in it to make a difference, to shake up the financial scene in a region that needs innovation. His process from YC to leading effective projects shows he’s all about building stuff that matters, not just chasing hype.

And let’s be real, jumping into crypto, Web3, and building platforms for remittances? That’s some advanced shit. It’s risky, it’s complex, but he’s out here doing it because he sees the bigger picture. He’s got that entrepreneurial fire, building, failing, learning, and then crushing it harder every time. That’s what startups are about, and he embodies that hustle.

So yeah, Francisco Toro is one of those founders who’s not just riding the wave, he’s shaping the future of finance for Latin America. His story is about resilience, impact, and never settling for bullshit. No Cap.