What Arvo does

Arvo is a Brazilian healthcare technology company founded in 2022 by Fabricio Valadão (CEO) and Rafael Tinoco (CPO), headquartered in São Paulo with legal registration in Rio de Janeiro as Valor Saúde Soluções Tecnológicas LTDA. The company builds an AI-powered payment integrity platform that uses proprietary machine learning and 'Smart Agents' to detect fraud, errors, and waste in medical claims for health insurance operators (operadoras de saúde) in Brazil. The platform analyzes 100% of medical accounts in real time across structured TISS data, medical images, and text documents, with three principal agent families covering Technical Relevance, Regulatory Compliance, Cost-Effectiveness, Fraud Identification, Physical-Digital Consistency, and Information Validation.

The technology stack is built around behavioral analysis of historical claims (a training base exceeding R$140 billion in processed sinistro and 250+ million medical accounts) combined with rule-based regulatory compliance calibrated to Brazilian ANS standards. Arvo integrates plug-and-play with the dominant Brazilian healthcare ERP systems — Tasy, Solus, Facil, and Totvs — enabling implementation measured in weeks rather than quarters. The platform reports 85%+ accuracy in automated critiques and 3.6x-5.8x ROI depending on operator segment, with documented customer outcomes including R$15-20+ million in annual savings for large operators, time-to-first-savings of 15-27 days, and an NPS of 100.

Arvo operates a B2B SaaS business model with enterprise field sales targeting mid-to-large health insurance operators in Brazil. Pricing is quote-based on annual contracts, scaled to operator size and claim volume. The customer base of 30+ operators spans health insurers (Central Nacional Unimed, Seguros Unimed), self-funded plans (Saúde Petrobras, Vivest, Cemig), group medicine (Athena Saúde, Abertta Saúde), and medical cooperatives (Unimed Teresina). Distribution is exclusively direct enterprise sales supported by content marketing, industry events, and partnerships with IESS, ABRAMGE, and SBAM. As of October 2025 the company had raised approximately USD 24.5 million across a R$25M seed round (Canary, K50, September 2024) and a R$106M (~USD 20M) Series A co-led by Kaszek and Base10 Partners, and was actively expanding its product surface and operator coverage within Brazil.

Name

Arvo

Legal name

Valor Saúde Soluções Tecnológicas LTDA

Website

https://arvo.com.br

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Arvo is an AI-native healthcare payment integrity platform that uses proprietary Smart Agents to detect fraud, errors, and waste in medical claims for Brazilian health insurance operators, processing over R$130 billion in claims across 30+ enterprise customers.

Ownership category

akta.pro rank

Product category

Healthcare Payment Integrity Software

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Other Insurance Related Activities (52429)

SIC

Services-Computer Integrated Systems Design (7373), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Accounts Receivable (A/R) & Collections Management (HLACACAJ)

akta.pro secondary industries

Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE), Payer-Provider Data Exchange (X12, prior auth, claims/clinical attachment) (HLACABAK)

Keywords

• Healthcare payment integrity
• Medical claims auditing
• Fraud detection software
• Healthcare AI platform
• Health insurance automation

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS/Software Subscription: Arvo operates as a B2B SaaS platform providing AI-powered healthcare payment integrity solutions to health insurance operators. The subscription model generates recurring revenue based on the volume of claims processed and the number of smart agents deployed for each operator.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels8 records

Core offering

Arvo provides an AI-powered healthcare payment integrity platform composed of Smart Agents that analyze 100% of medical accounts, TISS data, and medical images in real-time to detect fraud, errors, and waste in Brazilian health insurance transactions. The platform integrates plug-and-play with operators' ERP systems (Tasy, Solus, Facil, Totvs) and delivers technically sustained claim denials and immediate incremental savings without requiring system replacement.

Product overview

Arvo is an AI-powered healthcare payment integrity platform that combines proprietary artificial intelligence and machine learning with healthcare expertise to prevent fraud, errors, and waste in health insurance transactions. The platform operates through Smart Agents that analyze 100% of medical accounts and claims in real-time. The product portfolio includes Smart Agents for TISS data (covering Technical Relevance, Regulatory Compliance, and Cost-Effectiveness), Smart Agents for Images (covering Fraud Detection, Physical-Digital Consistency, and Information Validation), specialized products for Medical Accounts validation, Reimbursement fraud detection, and Authorization intelligence. All solutions integrate plug-and-play with operators' existing ERP systems including Tasy, Solus, Facil, and Totvs, enabling rapid implementation and immediate incremental savings without requiring system replacement.

Differentiator

Problem solved

Functional benefit

Products and services

• Smart Agents - TISS Data AI-powered intelligent agents that analyze TISS (healthcare transaction) data to identify improper payments, compliance issues, and cost-effectiveness concerns. Includes three specialized agents: Pertinência Técnica (Technical Relevance), Conformidade Regulatatória (Regulatory Compliance), and Custo-Efetividade (Cost-Effectiveness).
• Smart Agents - Images AI-powered agents that analyze medical images and documents to detect fraud, verify physical-digital consistency, and validate information. Includes Identificação de Fraudes (Fraud Identification), Consistência Físico-Digital (Physical-Digital Consistency), and Validação de Informações (Information Validation).
• Contas Médicas (Medical Accounts) Validation of medical accounts using AI models with support from healthcare specialists to provide deep and assertive analysis for cost recovery and economy.
• Reembolso (Reimbursement) Detection of various factors and patterns indicating errors, fraud, or abuse in medical reimbursements.
• Autorização (Authorization) Data intelligence to enhance authorization work, automating analyses and identifying potential deviation situations for prioritization and decision-making.

Quantifiable outcome

• 85%+ accuracy in automated critiques and denials
• +4 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability8 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and strategic.

• Google CloudcoreTechnology or IntegrationStrategic partnership for cloud infrastructure and AI collaboration. Joint event 'Saúde Nada Artificial' co-hosted by Arvo and Google Cloud to discuss AI trends in healthcare. Google Cloud provides the underlying infrastructure for Arvo's AI platform.
• IESS (Instituto de Estudos de Saúde Suplementar)strategicStrategic or Co-development PartnerNon-profit institute focused on healthcare supplementar studies. IESS provides research support and credibility for Arvo's technical studies on healthcare billing errors and AI applications in the sector.
• ABRAMGEstrategicStrategic or Co-development PartnerNon-profit association representing private healthcare operators. ABRAMGE collaborates with Arvo on educational content including the eBook '5 Erros invisíveis na Auditoria Médica'.
• SBAM (Sociedade Brasileira de Auditoria Médica)strategicStrategic or Co-development PartnerBrazilian society for medical auditing. SBAM partnered with Arvo for the 'Semana da Saúde' webinar series, promoting innovation in healthcare auditing.
• ERP Integration Partners (Tasy, Solus, Facility, TOTVS)coreTechnology or IntegrationIntegration partnerships with major Brazilian healthcare ERP systems including Tasy, Solus, Facility, and TOTVS. These integrations enable Arvo's plug-and-play deployment without requiring operators to change their core systems.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Cotiviti: US-based healthcare payment integrity and claims accuracy platform serving payers. Directly comparable to Arvo in core AI-driven audit and fraud/waste detection for health insurers, though operating primarily in the US market.
• AKASA: AI platform for healthcare revenue cycle management serving hospitals and health systems. Comparable in using generative and traditional AI to automate RCM workflows and improve payment accuracy, though primarily hospital-focused.
• Nym Health: AI-powered medical coding and clinical language understanding platform that automates chart coding for healthcare providers. Comparable in applying autonomous AI agents to medical billing accuracy and audit.
• MultiPlan: US healthcare cost containment company providing payment integrity, network-based solutions, and analytics to insurers and self-funded plans. Comparable business model targeting similar payer pain points as Arvo.

Broad incumbents

• Optum (UnitedHealth Group): Largest US healthcare technology and services platform with extensive payment integrity, claims editing, and analytics offerings. A broad incumbent whose payment integrity solutions overlap with Arvo's core product.
• TOTVS: Brazil's largest enterprise software company with a leading healthcare vertical ERP suite (including Tasy predecessor modules). A current integration partner that could also emerge as a competitor by embedding payment integrity AI natively.

Emerging players

• Health Catalyst: Healthcare data and analytics platform for providers and payers, including cost and utilization analytics. Overlaps with Arvo's AI-driven analytical insights into healthcare claims and payments, with broader scope.

Regional players

• MV Sistemas: Major Brazilian healthcare management systems provider for hospitals and operators. Comparable as a regional peer in healthcare IT infrastructure serving similar Brazilian customers, though focused on systems rather than AI auditing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@ArvoSaude
• LinkedInlinkedin.com/company/arvo-saude/posts/?feedView=all

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors8 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 Arvo