What it sells
Challenger bank for enterprises
Business model breakdown
Buyer: who owns the budget?
UnverifiedCFO or finance/treasury teams at growing Brazilian companies.
Trigger: what makes them buy now?
UnverifiedNeed for transparent cashflow, automated reconciliation, Pix/receivables and API-based payments and credit with higher limits.
Workflow: what inputs become what output?
Open a business account, issue cards, collect invoices/Pix and card payments with automatic reconciliation, pay bills and payroll, integrate through API and sandbox.
Economics: what it saves and how it charges
Transactional fees per operation (invoices, transfers, card acquiring 3.5%), plus credit and FX spread; volume-based and committed-use discounts.
Distribution: how it reaches customers
Self-serve signup plus contact sales; API-first developer docs; cases and e-books; sites in English, Portuguese and Chinese.
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.