Credit Infrastructure

Smart Credit Infrastructure

Modular platform with orchestrated APIs and native governance to operate any credit modality with security, scalability, and regulatory compliance.

From 25.6 to 46.7 million individual clients in one year

Credit fintechs in Brazil are growing at an accelerated pace , your infrastructure needs to keep up.

Modalities

Credit Products We Build

BNPL (Buy Now, Pay Later)

Flexible checkout installment plans with instant credit analysis and API integration.

Payroll Loans

End-to-end payroll loan management with payroll integration and margin control.

Direct Financing

Configurable credit engine for goods and services financing with digital formalization.

Secured Credit

Collateralized operations with automated guarantee assessment and custody management.

Pre-approved Revolving Credit

Revolving credit limits with periodic reassessment and on-demand usage by the customer.

Receivables Anticipation

Infrastructure for receivables discounting with risk analysis, assignment, and automated settlement.

Credit Cycle

Full Cycle Orchestrated by APIs

Every stage of the credit cycle is modular, auditable, and configurable for different products and regulations.

Simulation
Decision
Formalization
Settlement
Collection
Governance
Artificial Intelligence

AI Applied to Credit

Predictive Models

Dynamic scoring and default prediction with machine learning for more accurate decisions.

Document Analysis

Automated document extraction and validation with generative AI to accelerate formalization.

Fraud Detection

Real-time identification of suspicious patterns using models trained on financial context.

Auditability

Complete traceability of every automated decision with structured and explainable logs.

Ready to Build Your Credit Infrastructure?

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