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Y Combinator Winter 2021 · Banking & neobanks · Europe

What it sells

The multicurrency account and card for Brazilians

Business model breakdown

Buyer: who owns the budget?

Individual Brazilian consumer.

Workflow: what inputs become what output?

Open account in app, hold GBP, EUR and USD, convert in real time, spend with virtual or plastic Mastercard on international purchases.

Economics: what it saves and how it charges

FX spread and card fees: card example shows 2.00% spread plus Brazilian 3.50% IOF tax on international purchases.

Distribution: how it reaches customers

Mobile app downloads; website in Portuguese and English.

Funding history and coverage

Round dateStageAmountInvestorsSource
—Y Combinator Winter 2021—Y Combinatorycombinator.com

Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.

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