Messaging has become the primary way people communicate with businesses across the Americas, yet the actions that actually move money still happen elsewhere. Payments, identity checks, credit applications, and signatures are routinely pushed into apps, portals, or call centers, creating friction, abandonment, and operational cost. Jelou was built to close that gap by turning conversations into execution. Today, the company announced a $10 million Series A to expand Brain, its platform for building AI agents that securely execute real business and financial operations inside WhatsApp.
The round was led by Wellington Access Ventures, with participation from Krealo, Credicorp’s corporate venture arm, and Collide Capital. Jelou has now raised $13 million in total funding, including a $3 million Seed round led by Act One Ventures and Arca Continental Ventures.
The timing reflects a broader shift in how businesses interact with customers. Conversational channels like WhatsApp have become the default interface across Latin America, yet most AI tools remain limited to answering questions rather than completing transactions. At the same time, enterprises face rising pressure to reduce operating costs, improve conversion, and deploy AI that can integrate with existing systems without introducing security or compliance risk. Jelou’s approach focuses on execution, enabling AI agents to move work forward inside the conversation instead of handing it off to fragmented tools.
Jelou’s core product, Brain, is a platform that allows businesses and developers to create and operate AI agents that connect directly to their existing systems and perform transactional operations inside chat. Through Brain, companies can deploy agents that communicate with customers over WhatsApp, collect missing information, verify identity, trigger payments, and advance financial workflows using live system data. The platform includes a web-based studio with more than 3,000 integrations for building and integrating agents, as well as a conversation management layer that allows teams to oversee high-volume interactions while securely executing workflows such as payments, credit processes, and document signing.
The company’s journey began in Ecuador in 2017, where founder Luis Loaiza and the Jelou team observed that messaging had become the dominant interface for commerce in the region, while execution remained fragmented and insecure. Drawing on more than a decade of experience building messaging and encrypted communication systems, the team set out to make chat a place where real business happens. Since then, Jelou has expanded across Latin America, processing more than $100 million in financial operations and serving over 500 business customers across more than 13 countries, including banks, retailers, and consumer goods companies.
Jelou’s traction reflects a broader trend toward conversational commerce and agent-driven operations. As AI adoption accelerates, businesses are discovering that automation only delivers value when it is tightly integrated with existing infrastructure and designed for production from day one. In regions like Latin America, where companies must operate across diverse regulations, payment rails, and systems, the ability to deploy secure, scalable AI inside familiar channels is becoming a competitive necessity.
Looking ahead, Jelou plans to expand Brain into a full operating system for conversational business, enabling companies and developers to build, deploy, and manage production-ready WhatsApp applications directly from a prompt. The company’s vision is to make WhatsApp the primary operating layer for businesses across the region, with Jelou providing the platform that powers everything built on top of it.
Microsoft Says That It Will Hand Over Your Bitlocker Keys To Law Enforcement… Should You Worry And What Can You Do To Protect Yourself
Posted in Commentary with tags Microsoft on January 26, 2026 by itnerdDisclaimer: I am not trying to give tips to the bad guys. But given the fact that I have been emailed about this repeatedly since this story broke, I felt that I needed to respond.
Late last week, news broke that Microsoft not only will hand over Bitlocker keys to law enforcement, but it has done so.
Wait, what are Bitlocker keys? Glad that you asked that question.
Microsoft Windows 11 has a full disk encryption feature called Bitlocker. The goal of Bitlocker is to keep your data on your laptop or desktop safe by encrypting it. And to decrypt it, you need a key to do that. So think of it like this. Your data is protected by a padlock. And you have a key to unlock it. That should keep it save from prying eyes.
But here’s the catch, Microsoft also has a key to your data and is willing to hand it over to law enforcement. Now this is likely making you think “wait, I didn’t give Microsoft a key to my data”. Well, actually you did. If you install Windows 11 and you turn on Bitlocker, assuming that it isn’t on already, you need to create a Microsoft account. The idea is that it will store the Bitlocker key in the cloud. The thing is, that the second you do that, Microsoft has access to that key. Now you can opt out of this, but it takes a lot of effort (the cynic in me says that this is deliberate on the part of Microsoft) to do that. And the average user isn’t going to go through that effort. So they take the easy way out.
If you’re still with me, you’re now likely thinking “wow, that’s a massive potential security risk for users.” And you’d be right. The fact that Microsoft can do this to anyone who uses Windows 11 with a Microsoft account is problematic to say the least. Contrast that with Apple who claims to have zero access to keys related to FileVault which is their full disk encryption feature, it creates a comparison that I am going to guess that Microsoft would rather you not make.
So, if this freaks you out, the question becomes what are your options to mitigate this risk. This is what I would suggest:
Now should you worry about the fact that Microsoft will hand over your Bitlocker keys to law enforcement? One view is that if you’re not a bad guy you shouldn’t be concerned. Another view is that if you care about privacy, you should be concerned as someone outside of Microsoft might get their hands on these keys and use them for whatever evil purpose that they have in mind. Or Microsoft may start handing these keys over to non-law enforcement agencies or repressive governments or the like. The bottom line is that you have to look at this relative to your comfort level of letting Microsoft have access to the keys that protect your data. And take action based on that.
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