# 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.