Acquire more credit customers with less risk
Proven with
2+ million real-time credit decisions powered by AI
We deliver a new profitable revenue stream.
We reimagine how credit works in Brazil.
Partners and clients across our ecosystem
your logo here
your logo here
None of our customers had to become a bank to offer credit solutions to their customers.
Two starting points, one goal: making credit profitable in Brazil
We either make credit work better, or we deliver a new credit product for you.
You already run credit
Approve more customers with less risk. We run in parallel and prove the lift against your own baseline.
You don't run credit yet
We bring the regulatory licence, the BIN, the credit engine, and collections — the whole credit stack, delivered in less than 30 days.
One platform, the whole cycle
Credit reimagined: flexible solutions for fintechs, credit issuers and retailers.
A credit operation has seven parts — each with several different third-party suppliers. Most companies discover the parts they are missing after launch. We orchestrate and deliver the whole solution at launch, ready to use. And continuously improve every component over time.
Optimize credit lines to maximise revenue
Onboard customers using Brazil's most robust KYC, AML & anti-fraud system
Issue a complete white label card in under 30 days
Banking infrastructure without becoming a bank
One-stop solution: CCB issuance, accounts, Pix, boleto, escrow and settlement via a single solution.
Integrate the flexible invoicing model your credit product needs
Collect from customers with outstanding payments more effectively
About us
We built a credit operation before we enabled it for our B2B customers.
Data driven network effects powering optimization, efficiency and results
novücard — our live laboratory.
Our own credit card is live in the Brazilian market with tens of thousands of live customers. Every model, limit strategy, fee structure, and collections strategy that our B2B customers use is continuously tested and proven there before a partner ever sees it.
We enable for our B2B partners tested and proven results, not static APIs.
Today that same infrastructure lets any company decide, issue, manage and collect credit, under their own brand, without becoming a financial institution.
4.7on App Store
8.2on Reclame Aqui
83NPS
Acquire more credit customers with less risk
Credit reimagined using AI, superior data science and non-traditional data sources.
Credit is the highest margin product in your business, and today it is capped by a score that fails exactly where the growth is. GUARD profitably underwrites the 90 million Brazilian adults that traditional bureaus and lenders have left behind, leveraging data that the bureaus don't to underwrite restricted CPFs, subprime and “thin files”.
- Every credit engine in Brazil is trained on somebody else's data. Ours is trained on our own book.
- A complete credit policy with personalized recommendations — far more than just a score
- Far more accurate than bureaus — especially with restricted CPFs, subprime, and “thin files”
- AI systems that utilize many sources of data — traditional and non-traditional
- Continuously trained on several live books, not a purchased sample
- Measurable in A/B against your current engine
Proven to reduce delinquency by 34%.
0.79Area Under the Curve
(versus mid .60s for bureau scores)
(versus mid .60s for bureau scores)
34%lower delinquency vs. bureau
2M+credit decisions validated with real customers
CLIMB manages credit lines, interest rates and fees proactively to maximise profits
A frozen limit is frozen revenue. Quarterly batch reviews leave money on the table every month. CLIMB moves the limits and product features dynamically with behaviour, and the same engine cuts exposure before default, not after it.
- Triggers from payment behaviour, card usage patterns, and third-party data
- Exposure proactively cut before default
- Product features and fees move dynamically — adjusting for risk and profits
- Reactivation of a dormant base
- Ceilings and appetite set by your policy
CLIMB quickly improves your unit economics.
75%+average limit utilisation
continuousreview cadence
33%+increase in average TPV per customer
Onboard customers using Brazil's most robust KYC, AML & anti-fraud system
Brazil's fastest onboarding solution is also the most robust.
We cost-effectively integrate eight different sources to deliver Brazil’s most robust KYC/AML/anti-fraud solution — making the “open sea” a safe place to acquire customers.
- Dedicated SDK that easily integrates into any iOS or Android app
- Streamlined UX — most complete in less than 5 minutes
- Liveness and document validation built in
- 94% of potential customers onboard (with compliance assured) without needing to upload any documents
- Delivers <0.01% net fraud (vs 0.43% average in Brazil for unsecured credit cards)
<0.01%net fraud
94%No document picture required
<5 minmedian onboarding time
Issue a complete white label card in under 30 days
BIN sponsorship, physical and virtual card issuing, a white label app plus settlement. You don't need your own licence, and we never appear to your end customer.
- BIN sponsorship for CPF and PJ
- Android and iOS app fully in your visual identity
- Issuing, tracking and personalisation
- Dispute and chargeback handling
- Financial products such as Pix credit and instalment financing, to increase your revenue
- A complete solution from onboarding to collections, on the same AI engine
30 daysto the first card
8.3Reclame Aqui on our own operation
4.7in the app stores
Banking infrastructure without becoming a bank
We provide a ready-made legal framework for your operations, saving you the time, capital, and effort of building it yourself. Integrated seamlessly with our AI-enabled onboarding/KYC, underwriting and anti-fraud solutions.
- Streamlined CCB issuance and registration
- Segregated escrow and collateral accounts
- Reconciled settlement for both cards and credit
Zerolicences of your own
CCBsvia our infrastructure
30 daysto go live
1single contract
Brazil's most flexible credit invoicing system
Dynamic invoicing, every instalment model and disputes — configurable per product.
- Configurable cycle, due date and composition
- All sending channels: email, WhatsApp, SMS, in-app and push
- Optimised journey powered by AI
- Purchase, invoice, merchant-funded and compulsory instalments
- Pix and boleto with no additional vendor
- Integrates with any means of payment of any financial institution
- Easy to modify invoices and customer messaging in minutes, with no technical training
- Compliant with BACEN rules
Dynamicinvoicing cycle
Instantinvoice template changes
Multiplecommunication channels
Collect from customers with outstanding payments more effectively
AI-driven collection strategies that automatically personalise — message, channel and offer — for the individual customer.
- Different strategy for someone who forgot and someone who can't pay
- Digital self-negotiation, no call centre
- Optimises LTV, not just this month's cash
- Every recovery and payment feeds back into the approval, portfolio management and collections model
Up to 25%more funds recovered
MultipleAI personalized offers
Multiplecommunication channels