When Joseph Elias Phillips and William Corbera first crossed paths 15 years ago, it wasn’t in a boardroom or on a Zoom call. It was at Kukaramakara, a salsa club in Brickell.

That chance encounter would eventually spark a friendship — and later a business partnership — that today powers one of Miami’s fastest-growing fintech companies.

Payabli , their venture together, just earned recognition on the Inc. list thanks to explosive growth, including a $28M fundraise earlier this summer. But the co-founders and co-CEOs are quick to point out that their trajectory wasn’t overnight.

“We started writing our first line of code in December 2020,” Phillips told Refresh Miami. “It’s taken years of grinding, building integrations, and earning credibility in the market.”

The company provides e

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