What it sells
Salary advance to employees in Brazil.
Business model breakdown
Buyer: who owns the budget?
The end consumer borrower.
Trigger: what makes them buy now?
Unexpected expenses that push people into overdraft, revolving card debt or loans with hidden fees.
Workflow: what inputs become what output?
Register and credit analysis (income read from bank account), choose amount and rate, receive funds in up to 2 minutes, repay in one installment on chosen date; earlier payment lowers cost.
Economics: what it saves and how it charges
Interest income on loans issued by QI Tech SCD; Facio Pagamentos LTDA acts as correspondent; rates and CET vary by product and customer profile.
Distribution: how it reaches customers
Self-serve web and iOS/Android apps, referral program, WhatsApp support.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Winter 2020 | — | Y Combinator | ycombinator.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.