Brazil's only turnkey credit solution

The complete platform for launching your own credit card in 30 days

Infrastructure built with best-in-class in the market

Credit with intelligence: complete solutions for your operation

Validated infrastructure with over 100,000 customers. Launch your card without having to be a financial institution.

• Bin Sponsorship prepaid and postpaid
• Core à la carte services
• Full white label solution

Security, compliance and scale for your operation:

• BIN Sponsorship Visa
• Accounts (escrow, collateral and settlement)
• Issuing physical and virtual cards
• Transactional anti-fraud system
• Dispute and chargeback management
• Integrated KYC and PLD/FT processes
• Payment methods (Pix and boleto)
• Management of multiple cards per customer
• Modular technology for tailor-made loans
• Risk-based customer acquisition (score)
• Credit engine (GUARD): Risk analysis and initial limit
• Limit management (CLIMB): Continuous adjustment logic
• Collections and credit recovery
• Compulsory installment payments
• Dynamic and customizable billing
• Digital onboarding with integrated anti-fraud

Your card, your brand, our technology:

• 100% white label application with your visual identity
• Engagement engine and customer journey (CX)
• Full end-customer support
• Issuing, tracking and personalizing cards
• Additional financial products (e.g. Pix Crédito)

GUARD: Brazil's most accurate credit engine

The market leader, GUARD combines low default with high engagement.

Credit analysis with continuous intelligence

Faster, safer decisions in line with the reality of the Brazilian market

• Alternative data integration beyond traditional bureaus
• Proprietary models with continuous learning (gradient boosting machine)
• Automatic variable engineering
• Tests in production based on real B2B customer data

Results that impact the operation

Credit efficiency translated into engagement, activation and lower risk:

• Optimized credit line, focusing on activation and usage
• Reducing defaults via advanced machine learning that accurately identifies risk
• One of the highest engagement rates in Brazil

Credit technology with proven results

We created a laboratory to develop our operations with consistent results in acquisition, engagement and retention.

• Low default rates: 30% below the market Our own models, updated with real data, reduce risks and protect profitability.

• High conversion: 92% of customers with 1st purchase within 7 days
  Experience oriented from the start and continuous evolution for more efficient adherence.

• Minimal risk of fraud: 0.01% against 0.43% of the market (M5)
  Integrated anti-fraud with intelligent validations and real-time monitoring.

• Engaged and loyal customers: 75% average credit line utilization
  High customer base engagement with very low churn rate

• Pix Crédito: High margin product in great demand
  Reduces dependence on traditional card networks, bringing more autonomy and profitability.

• Brazil's favorite card: 4.7 as a note in the app stores
  With an NPS of 83 and a score of 8.8 on Reclame Aqui, we deliver an experience that conquers, engages and generates trust.

Market comparison

We offer the only turnkey credit platform on the market. Simple integration of regulatory infrastructure, credit technology and a real innovation lab.