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NewAn AI voice agent that calls and negotiates for you

Stop chasing payments. mimox collects, formalizes and closes your deals for you.

AI-driven collections, agreements signed in a minute and an engine that warns you before anyone defaults. All you do is watch the payments land.

Start freeWatch the demo · 1 min
  • No credit card
  • Your account, ready in 1 minute
  • From 1 to 100,000 commitments

Built for anyone who lends, sells on credit, collects portfolios or closes deals

  • Personal loans
  • Revolving credit
  • Credit and store accounts
  • Rentals
  • Services and jobs
  • Buying and selling goods
  • Collection call centers
  • Third-party portfolios
  • Vehicle sales
  • Real estate deals
  • Team projects
  • Personal commitments
Sound familiar?

Collecting should not be your second job

  • Without mimox: You call people one by one to chase every payment.

    With mimox: mimox reminds and negotiates on its own, over WhatsApp, SMS, email and AI calls.

  • Without mimox: The agreements that matter live in chats and inboxes.

    With mimox: AcuerdosYA turns them into signed documents, legally valid.

  • Without mimox: Your deals live in your head or in a spreadsheet.

    With mimox: Deals moves them through their stages until they close.

  • Without mimox: You find out too late who stopped paying.

    With mimox: Pulse warns you before the default and triggers the next action.

Interactive demo

You are Laura. mimox is about to collect from you.

What mimox already tried with Laura
  1. Day 0Emailno reply
  2. Day 3SMSno reply
  3. Day 7WhatsAppreplies

Where what you just saw comes from

Tell us how your portfolio is doing and mimox writes the cadence: which day each touch goes out, through which channel and in which tone.

How is your portfolio doing?

Preventive3 touches in 12 days

  1. Day 0WhatsAppFriendly
  2. Day 5EmailFriendly
  3. Day 12WhatsAppCordial

If they reply, it backs off for 5 days. No instalments: the account is not late yet.

Early recovery4 touches in 14 days

  1. Day 0WhatsAppFriendly
  2. Day 3WhatsAppCordial
  3. Day 7SMSCordial
  4. Day 14WhatsAppFirm

If they reply, it backs off for 3 days. Offers instalments from the third touch, up to 3.

Containment6 touches in 21 days

  1. Day 0WhatsAppCordial
  2. Day 2SMSCordial
  3. Day 5WhatsAppFirm
  4. Day 9EmailFirm
  5. Day 14WhatsAppUrgent
  6. Day 21SMSUrgent

If they reply, it backs off for 2 days. Offers instalments from the first message, up to 6.

Written-off portfolio7 touches in 35 days

  1. Day 0WhatsAppFirm
  2. Day 3SMSFirm
  3. Day 7WhatsAppUrgent
  4. Day 12EmailUrgent
  5. Day 18WhatsAppUrgent
  6. Day 25SMSPre-legal
  7. Day 35WhatsAppPre-legal

If they reply, a person takes over to negotiate. Offers instalments from the first message, up to 12.

It stops when the debtor pays, and follows Colombia’s Law 2300: Mon-Fri 7:00-19:00, Sat 8:00-15:00.

Inside mimox this is set up in four tabs: Actions (what to do), Rules (when), Tactics (how) and Execution (how it is going). Those are the four letters of ARTE.

How it works

Four pieces, and what each one does

Collect chases payment, AcuerdosYA puts it in writing, Fía keeps the tab on what you let people take, and Deals walks each deal through its stages. They feed each other — what Fía or Deals start ends up signed in AcuerdosYA and collected by Collect — but none replaces another.

It reminds and negotiates on its own over WhatsApp, SMS, email and AI calls. It only hands you the cases that need human judgement.

What it does not do: It does not formalize contracts: AcuerdosYA does the signing.

Step by step
  1. Art flow builds each debtor's cadence: which day each touch goes out, through which channel, in what tone.
  2. It reaches out on its own over WhatsApp, SMS, email or an AI call, inside the hours Ley 2300 allows.
  3. It negotiates within the discount and term limits you set, and puts the commitment in writing.
  4. It only hands you the cases that need human judgement. You never see the rest.

It turns the handshake agreement into a document signed with a code sent to the phone: a sale, a lease, a loan, a service or a payment plan.

What it does not do: It does not run deals through stages, and it does not collect.

Step by step
  1. You pick the type: sale, lease, loan, service or payment agreement.
  2. It fills in from the deal's details and goes out to the other party over WhatsApp or email.
  3. They sign with a code sent to their phone, valid under Ley 527.
  4. You are left with the signed document and the trail of who signed, from where and when.

You let your customer take it on trust and it gets written down: what they took, with a photo, how much they owe and when they pay. They get the notice over WhatsApp.

What it does not do: It does not chase the payment: once it is overdue, Collect takes it.

Step by step
  1. You note down what they took: what, how much, and by when. With a photo, if you want.
  2. Your customer gets what they owe and the date they agreed to pay, over WhatsApp.
  3. It reminds them on its own before the date falls due; you never have to write.
  4. If it falls due unpaid, collection passes to Collect and carries on from there.

Every deal moves through the stages it needs, from the first conversation to the close, and you move it from one to the next.

What it does not do: It does not sign or collect: when the time comes, it hands the deal to AcuerdosYA or to Collect.

Step by step
  1. You define your deal's stages, from the first conversation to the close.
  2. Each deal comes in with its value and its owner, and you move it from one stage to the next.
  3. Pulse warns you when one has sat still too long or is going cold.
  4. When it is time to sign, it goes to AcuerdosYA; when it is time to collect, to Collect.

And underneath, running on their own

Art flow decides what to do, when and over which channel

You set the strategy and it builds each debtor’s cadence: which day each touch goes out, over which channel and in what tone. Those are the four letters of ARTE: Actions, Rules, Tactics and Execution.

See it in the demo
Pulse watches, and warns before anything breaks

It watches every collection in Collect, every agreement in AcuerdosYA and every deal in Deals. It warns you before a default, flags anything that has sat still too long and triggers the action that fits.

See it in the demo
Turnkey service

Hand your portfolio to a third party without losing sight of it.

"Set up an agency for my portfolio, hand it to this company to run, and give me the controls and the reports." That is the dedicated agency.

Three parties

  1. Whoever owns the portfolioa bank, a company, or you

    Sets the rules and gets the dashboards, the reports and the audit trail. The portfolio stays theirs.

  2. The operatorwhoever you hand the portfolio to

    Works the portfolio inside mimox, under the rules you set.

  3. mimoxthe platform and the referee

    Sets up the agency, provides the platform, polices your rules and answers to you.

Why it pays off

Today you hand the portfolio to a third party and lose sight of it: you learn how things are going from a report you cannot check. With the dedicated agency you see everything live, and the portfolio never stops being yours.

Let's talk about your portfolio
  • Every action, liveWhat each debtor was told, through which channel, and what they replied.
  • Every deal and every pesoWhat was promised, what was paid and what fell through, up to the minute.
  • Under your rulesHours, channels, discount caps and who gets to approve what.
  • Something to show for itWho did what and when, to evidence to the regulator that outsourced collections are supervised.
Plans and pricing

Start free. Grow with your portfolio.

Licences pay for capacity: users, debtors, agreements and projects. Credits pay for usage: messages, calls and the bot. Every plan comes with courtesy credits to try it out.

Personal

For anyone who lends, signs agreements or collects from a few people

Always

US$0US$0

No credit card

Free, and you top up whenever you want

You get 60 welcome credits for WhatsApp, SMS or email and 10 AI bot replies to try it. Top up from US$5 (500 credits): enough for 5 agreements or 83 collection WhatsApp messages.

  • 5 active debtors
  • Collections over email and WhatsApp, with credits
  • 3 business agreements a month
  • Unlimited Pinky Promises
  • Deals: 1 project and 25 deals
  • 1 user
Start free

Starter

For the small business getting started: shops, lenders, landlords

Up to 100 customers

US$19US$16.15/mo

Billed US$193.80 once a year

Billed monthly

Annual payment

Includes 180 courtesy credits a month

They cover WhatsApp, SMS and email: about 30 collection WhatsApp messages. Plus 10 bot replies a month and, when you switch it on, a 3-minute AI call demo. The rest of the AI is bought with credits.

  • 100 active debtors
  • WhatsApp, SMS, email and the AI bot
  • Art flow with templates, and basic Pulse
  • 20 business agreements a month
  • Deals: 3 projects and 100 deals
  • 1 user
Start with Starter
To grow

Pro

For companies with a team, lenders and collection agencies

Minimum 3 users

US$47US$39.95/licence per month

Billed US$479.40 a year, per licence

New licences get cheaper from the 4th, the 6th, the 11th and the 16th. Up to 25 licences.

Starter bundle3 licences · US$141 a month3 licences · $564,000 a month3 licences · US$119.85 a month3 licences · $479,000 a month

1,200 debtors, 900 courtesy credits, 150 agreements and 1,500 active deals a month.

Each licence: 400 debtors and 300 courtesy credits a month

They cover WhatsApp, SMS and email: about 50 collection WhatsApp messages per licence, plus 2 minutes of AI calls and 20 bot replies. When you switch it on: 10 minutes and 100 replies to try. The rest is bought with credits.

  • 400 active debtors per licence, up to 25
  • Calls with the AI agent
  • Your own Art flow, Pulse and third-party portfolios
  • 50 agreements per licence a month
  • Deals: projects and deals with no cap
  • Supervision, API and integrations
Simulate my Pro plan

Active debtor: one mimox worked at least once during the month. Debtors with no activity do not count.In Colombia, prices are before VAT. Everywhere else we bill in US dollars; the local figure is approximate and moves with the exchange rate.

  • Electronic signatureLaw 527
  • Personal dataLaw 1581
  • Contact hoursLaw 2300
  • The AI says it is AIIt introduces itself on calls
  • Encrypted dataIn transit and at rest
  • Audit trailWho did what, and when
Start today

Every day without collecting, the debt goes cold

Leave us your details and pick how to continue. It takes less than a minute.

  • No credit card
  • Collect, AcuerdosYA and Deals with a single sign-up
What everyone asks before starting
What is the difference between Collect and AcuerdosYA?

Collect collects: it organizes what you are already owed, splits it across your team and follows up over WhatsApp, SMS, email or a call until the money comes in. AcuerdosYA formalizes: it takes an agreement —a sale, a lease, a loan or a payment plan— and turns it into an electronically signed document. The two connect: what gets signed in AcuerdosYA goes into Collect to be collected, and the payment plan that comes out of a Collect follow-up gets signed in AcuerdosYA.

What is Pulse?

It watches every collection in Collect, every agreement in AcuerdosYA and every deal in Deals. It warns you before a default, flags a deal that has sat too long in one stage and triggers the action that fits.

Is the signature legally valid?

It is an electronic signature verified with a one-time code (OTP) sent to the person. It is recognized by law everywhere we operate: Colombia’s Law 527 of 1999, Mexico’s Commercial Code, and, in the United States, the ESIGN Act together with each state’s UETA. All three recognize data messages and electronic signatures as valid. Every signature keeps a record of who signed, when and with which code: that is what backs it up if anyone disputes it.

Can I really start for free?

Yes. The Free plan asks for no card: up to 50 debtors, collections over SMS and email, signed agreements and limited Deals. You change plans from the app when your portfolio asks for it.

Do my customers have to install anything?

No. They get the messages over WhatsApp, SMS or email and sign from a link, confirming their identity with a code. No account, no download.

Are WhatsApp messages and AI calls billed separately?

Yes: each channel is billed by usage, outside the plan. Before switching them on we share the current rate per message and per minute, so you know what every touch costs.

Still have a question? Write to us at avx@mimox.io.

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