Kamino

What Kamino does

Kamino is a Brazilian financial technology company headquartered in São Paulo that sells a unified financial automation platform, branded as a 'Financial OS,' to medium-sized Brazilian companies with annual revenue between R$5 million and R$100 million. The platform combines a native PJ bank account (Conta Kamino), corporate cards, accounts payable and receivable automation, automatic bank reconciliation, multi-CNPJ management, and financial reporting (DRE, cash flow) into a single environment accessed through a REST API and connected to more than 50 Brazilian banks plus major ERPs (TOTVS, SAP, Sankhya, Oracle NetSuite).

The technical core is a financial automation engine that performs automatic daily bank reconciliation via API, intelligent transaction classification, batch PIX/TED/boleto payments, configurable approval workflows, and a 2025-launched natural-language AI Financial Agent that lets users query cash flow, DRE, and delinquency data in real time and receive graphs, tables, and contextual answers. Customers report a 72% reduction in manual financial tasks, 360 hours saved monthly, and 15%+ reductions in banking fees, with the platform processing over R$4 billion in transactions across 5,000+ companies.

Kamino generates revenue primarily through quote-based monthly subscriptions (priced by company size, transaction volume, and number of CNPJs), supplemented by interest income on an integrated working-capital credit product of up to R$300,000 and transaction-related fees. The company is venture-backed, having raised over R$108 million (approximately US$20 million) across rounds led by Flourish Ventures, Quona Capital, and Inspired Capital Partners, with Endeavor Catalyst, QED Investors, Picus Capital, Clocktower, and others participating. Go-to-market is sales-led, targeting CFOs and controllers directly through specialist consultations, interactive demos, and content marketing, with distribution concentrated in Brazil.

Name

Kamino

Legal name

Kamino

Website

https://kamino.com.br

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

51–100 employees

Short description

Kamino is a Brazilian fintech that sells a unified financial automation platform combining an integrated bank account, corporate cards, payments, reconciliation, and reporting for mid-sized Brazilian companies with annual revenue between R$5 million and R$100 million.

Ownership category

akta.pro rank

Product category

Financial Automation Software

NAICS

Software Publishers (513210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Processing & Data Preparation (7374), Finance Services (6199)

akta.pro primary industry

Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting) (FSAGALAL)

akta.pro secondary industries

Cash Forecasting, Reconciliation & Liquidity Tools (FSAMAOAH), Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)

Keywords

• Financial automation software
• Corporate banking platform
• Accounts payable automation
• Bank reconciliation software
• Expense management software

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Software Subscription: Subscription-based financial management software with integrated banking. Pricing is quote-based and varies by company size, transaction volume, and number of CNPJs/accounts. The company claims ROI over 100% with instant payback based on time savings and fee reductions.
2. Integrated Credit: The company offers integrated working capital credit of up to R$300,000, generating interest income from lending to customers.
3. Transaction Fees: Revenue derived from payment processing via PIX, TED, and boleto through the integrated Conta Kamino. While PIX typically has minimal or no cost, other transaction types may generate fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Kamino provides a unified financial automation software platform for medium-sized Brazilian companies (R$5M-R$100M annual revenue), combining payments, receivables, automated bank reconciliation, financial reports, an integrated PJ bank account (Conta Kamino), corporate credit cards, and an AI Financial Agent in a single platform. The platform replaces manual spreadsheet-based financial operations and external internet banking with native banking and finance tools accessible via REST API integrations with 50+ Brazilian banks and major ERPs.

Product overview

Kamino is a unified financial automation platform for medium-sized Brazilian companies (annual revenue R$5M-R$100M). The core platform combines all financial operations in a single environment with an integrated bank account (Conta Kamino) and corporate credit cards (Cartões Kamino). The modular architecture includes specialized modules for Payments (Pagamentos), Receipts (Recebimentos), Bank Reconciliation (Conciliação), and Financial Reports (Relatórios/DRE, Fluxo de Caixa). An AI Financial Agent (Agente Financeiro de IA) adds conversational access to financial data using natural language processing. The platform integrates with 50+ Brazilian banks and major ERPs (TOTVS, SAP, Sankhya, Oracle NetSuite) via REST API.

Differentiator

Problem solved

Functional benefit

Products and services

• Kamino Financial Automation Platform Unified financial automation software for medium-sized Brazilian companies (R$5M-R$100M annual revenue) combining payments, receipts, bank reconciliation, financial reports (DRE, cash flow), integrated bank account, and corporate credit cards in a single platform.
• Conta Kamino Integrated PJ bank account native to the platform, enabling payments, receipts, and reconciliation without accessing external internet banking. Features zero fees, real-time reconciliation, and no CNAB requirements.
• Cartões de Crédito Kamino (Corporate Credit Cards) Corporate credit cards integrated with the platform, allowing issuance of multiple cards with adjustable limits per collaborator, automatic expense categorization, and real-time spending tracking.
• Agente Financeiro de IA (AI Financial Agent) AI-powered conversational interface enabling users to query company financial data (cash flow, DRE, defaults) using natural language, receiving graphs, tables, and context in real-time without leaving the platform.

Quantifiable outcome

• 72% reduction in time spent on manual financial tasks
• +6 more outcomes

Named customers11 records

Segments8 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration18 records

AI capability5 records

Feature8 records

Partnerships

Nine partnerships are on record, tiered flagship and core.

• EndeavorflagshipStrategic or Co-development PartnerKamino founders are Endeavor entrepreneurs. The company is part of the Endeavor network, providing mentorship, connections, and support for high-growth entrepreneurs.
• Itaú BankcoreTechnology or IntegrationNative integration with Itaú for payment processing, receivables capture, and statement imports. One of the primary banking partners for the Conta Kamino integrated banking services.
• Santander BankcoreTechnology or IntegrationNative integration with Santander for payment processing, receivables capture, and statement imports. Primary banking partner for integrated services.
• Bradesco BankcoreTechnology or IntegrationNative integration with Bradesco for payment processing, receivables capture, and statement imports. Primary banking partner for integrated services.
• Banco do BrasilcoreTechnology or IntegrationNative integration with Banco do Brasil for payment processing, receivables capture, and statement imports. Primary banking partner for integrated services.
• TOTVScoreTechnology or IntegrationNative ERP integration allowing companies using TOTVS to connect financial data. Kamino positions as complementary to TOTVS for specialized financial operations.
• SAPcoreTechnology or IntegrationNative ERP integration allowing companies using SAP to connect financial data. Kamino positions as complementary to SAP for specialized financial operations.
• SankhyacoreTechnology or IntegrationNative ERP integration allowing companies using Sankhya to connect financial data. Kamino positions as complementary to Sankhya for specialized financial operations.
• 50+ Brazilian BankscoreTechnology or IntegrationStatement import integration with 50+ Brazilian banks including Itaú, Bradesco, Santander, Banco do Brasil, Caixa, Sicoob, Nubank, Inter, and C6 Bank via API for automatic daily statement updates without manual OFX file imports.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Conta Simples: Brazilian B2B fintech offering a digital business account combined with financial management tools (payments, cards, expense management) for SMEs. Most direct comparable to Kamino in the Brazilian market with a similar integrated-account-plus-software positioning.
• Conta Azul: Brazilian SaaS leader for SMB financial management (accounting, billing, treasury). Closest direct peer on the software side, also adding banking features. Competes with Kamino in the R$5M–R$100M mid-market.
• Omie: Brazilian cloud financial management and ERP platform for SMBs and mid-market, offering accounting, billing, and treasury. Direct peer in the SMB/mid-market financial automation category in Brazil.
• Brex: US-based financial OS combining corporate cards, business banking, bill pay, and expense management for startups and mid-market. International reference for Kamino's integrated bank + software + cards model.
• Ramp: US-based corporate card and financial automation platform with bill pay, expense management, and AI-driven insights. Closest international peer to Kamino's AI-powered financial OS vision.
• Qonto: European business banking and financial management platform for SMBs and freelancers, combining accounts, cards, and expense/invoice management. International peer with the same integrated banking + software wedge as Kamino.
• Mercury: US-based business banking platform for startups and growing companies offering accounts, cards, payments, and treasury tools. Comparable to Kamino on the integrated banking + financial tooling model for the growth-stage company segment.

Broad incumbents

• TOTVS: Brazil's largest ERP and management software company, serving SMBs through enterprises with full-stack financial management. Broad incumbent that Kamino positions complementary to via its native ERP integrations.

Emerging players

• Cora: Brazilian digital bank focused on SMEs offering business accounts, boletos, PIX, and cards. Comparable to Kamino's Conta Kamino component; emerging into adjacent financial management tooling.

Others

• Pismo: Brazilian banking and payments infrastructure platform providing core banking, card issuing, and processing APIs. Relevant to Kamino as a potential technology partner/enabler for the Conta Kamino BaaS stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@kaminolatam
• Facebookfacebook.com/people/Kamino-Latam/100083006123544
• LinkedInlinkedin.com/company/kaminolatam
• Instagraminstagram.com/kaminobr
• Xx.com/Kamino_Br

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds3 records

Investors12 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kamino