Hash3

Hash3 invests at pre-seed and seed, with initial checks ranging from $250,000 to $1 million. The firm reserves capital for follow-on rounds through later stages. Its entry point is typically the first institutional capital a company raises, often alongside other operator-led early-stage funds.

Hash3 concentrates on fintech infrastructure — payments rails, compliance and regulatory technology, embedded finance, and AI-driven financial software. The firm also evaluates enterprise software and applied AI opportunities more broadly, but its core competency is the plumbing of financial services, particularly for cross-border and multi-currency applications.

Hash3 is headquartered in Miami and invests primarily in Latin American and US Hispanic markets. The firm backs companies with dual-market theses that bridge LatAm operations and US growth. Miami serves as both a cultural midpoint and a sourcing advantage for founders building across the Americas.

Alberto Otero, Managing Partner and Founder, and Raymond Cazares, Partner, share investment committee responsibilities. Otero previously led product at LendingClub, giving the partnership direct operator experience in scaling fintech infrastructure, which informs its due-diligence approach and founder evaluation process.

Hash3 primarily executes direct equity investments and occasionally structures special-purpose vehicles for specific opportunities. There is no public indication that the firm makes fund-of-funds commitments to other venture managers. Its model is to sit directly on cap tables as an active seed-stage investor.