180 Seguros
180 Seguros is Brazil's first tech-driven insurance carrier, offering embedded insurance products and infrastructure via a single API and proprietary AI platform to fintechs, digital banks, cooperatives, telcos, and retailers operating under a B2B2C/B2B2AI model.
- Company typePrivate
- Founded2020
- HeadquartersSão Paulo, Brazil
- Headcount101–250
- GTM typeB2B
- OfferingServices
What 180 Seguros does
180 Seguros S.A. is a Brazilian technology-driven insurance carrier (seguradora) founded in 2020 by former Nubank partners and headquartered in São Paulo. The company operates under a B2B2C and B2B2AI embedded insurance model, licensing its infrastructure to fintechs, digital banks, cooperatives, credit banking correspondents (corbans), retailers, and telcos rather than selling directly to consumers. It is authorized by SUSEP (Brazil's private insurance regulator) and issues six core insurance product lines — financial transaction, real estate, residential, extended warranty, borrower/loan, and personal accident — plus capitalization products via a partnership with Icatu.
The company's core technology is a proprietary platform offering a single unified API (OAuth2 authenticated) for quoting, issuance, claims, endorsements, and cancellations, supported by webhooks, a partner self-service layer, and the 180 Hub management dashboard. In September 2025, 180 launched the B2B2AI vertical anchored by the first Model Context Protocol (MCP) Server for insurance in Latin America, enabling partner AI agents to execute contextualized insurance journeys via natural language. AI is deployed across underwriting, claims (over 80% of claims analyzed via AI, returned in 1 business day), smart pricing with A/B testing, and the Code Buddy AI integration assistant.
Revenue is generated primarily through insurance premiums retained (with reinsurance capacity provided by Swiss Re) and commission splits on partner-embedded sales, with pricing customized per partner and per transaction. In 2025 the company grew premiums issued 919% to R$273.9 million, expanded its policy base from approximately 100,000 to 1.47 million, and raised a R$50 million pre-Series B at a R$1.3 billion valuation, followed by a US$2.5 million strategic investment from Vivo Ventures. Major partners include Vivo, Open Co, Loft (CredPago), Zul+, Quali Banking, Klubi, NG Cash, and Celcoin.
180 Seguros firmographics
Firmographics- Name
- 180 Seguros
- Legal name
- 180 Seguros S.A.
- Website
- https://180s.com.br
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- 180 Seguros is Brazil's first tech-driven insurance carrier, offering embedded insurance products and infrastructure via a single API and proprietary AI platform to fintechs, digital banks, cooperatives, telcos, and retailers operating under a B2B2C/B2B2AI model.
- Ownership category
- akta.pro rank
180 Seguros industry classification
Industry- Product category
- Embedded Insurance
- NAICS
- Insurance Carriers (5241), Other Insurance Related Activities (52429), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where 180 Seguros is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
180 Seguros business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Insurance Premium Revenue: 180 Seguros earns revenue through insurance premiums collected from policyholders. The company operates as a licensed insurance carrier (authorized by SUSEP) and assumes insurance risk directly. Premiums are collected through partner-embedded sales channels where the company takes a share of premium collected.
- Commission Revenue: Revenue generated through commissions on insurance sales made through partner platforms. Partners receive commission on each sale, and the company retains a portion, with commission splitting being transparent and configured according to partner strategy.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom insurance products tailored to partner needs |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
180 Seguros product offering
Product offeringCore offering
180 Seguros is a licensed Brazilian insurtech carrier that sells its own insurance products (financial transactions, real estate, residential, extended warranty, loan/borrower, and personal accident insurance) exclusively through a B2B2C and B2B2AI embedded distribution model. Partners integrate 180's products via a single proprietary API, file exchange, or self-service platform, allowing fintechs, digital banks, credit companies, cooperatives, and retailers to offer insurance within their existing customer journeys. The company also pioneered the first Model Context Protocol (MCP) Server for insurance in Latin America, enabling partner AI agents to execute complete insurance workflows.
Product overview
180 Seguros is a Brazilian insurtech operating under a B2B2C/B2B2AI model with proprietary technology. The company offers a complete insurance platform with six core insurance products: Seguro Transações Financeiras (financial transaction protection), Seguro Imobiliário (real estate), Seguro Residencial (residential), Seguro Garantia Estendida (extended warranty), Seguro Prestamista (borrower/loan insurance), and Seguro de Acidentes Pessoais (personal accident). All products integrate through a single API or webhooks, managed via the 180 Hub platform. The company has developed proprietary AI technology including the B2B2AI vertical and Model Context Protocol (MCP) Server—the first of its kind in Latin American insurance—enabling partner AI agents to execute complete insurance workflows. Additional services include capitalization products with lottery draws issued through Icatu. The company serves fintechs, digital banks, cooperatives, corbans (credit correspondents), and retailers.
Differentiator
Problem solved
Functional benefit
Products and services
- Seguro Transações Financeiras (Financial Transactions Insurance)
Quantifiable outcome
- 919% revenue growth in 2025 to R$273.9 million in premiums
- +6 more outcomes
Companies that use 180 Seguros
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles5 records
180 Seguros technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability8 records
Feature6 records
180 Seguros partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- Icatu CapitalizaçãominorPartnership for capitalization titles (savings-linked insurance products). Icatu issues and administers capitalization titles that are included with eligible 180 insurance policies, giving policyholders the chance to participate in cash drawings.
- Swiss RecoreReinsurance partner that provides risk capacity and actuarial support. Swiss Re is a leading global reinsurer.
Scale indicators15 records
Recent moves6 records
Expansion highlights6 records
180 Seguros competitors and assessment
Company assessmentDirect peers
- Justos: Brazilian insurtech founded in 2021 offering auto insurance with a tech-first, data-driven approach. Directly comparable as a Brazilian licensed carrier using technology to redesign traditional insurance, though focused on auto rather than embedded multi-line distribution.
- Akua: Brazilian embedded insurance platform targeting mobility and digital ecosystems. Comparable as a LatAm embedded insurance infrastructure player pursuing a B2B2C partner model similar to 180 Seguros.
- Pier: Brazilian insurtech providing embedded and digital insurance products with B2B distribution through partners. Closely comparable as a Brazilian digital-first carrier focused on embedded distribution via APIs and partner integrations.
- 88i: Brazilian embedded insurance distribution platform serving digital businesses. Directly comparable as a B2B2C embedded insurance enabler operating in the same Brazilian market with a partner-channel focus.
Emerging players
- bolttech: Singapore-headquartered global embedded insurance platform enabling distribution through digital partners across Asia, the Americas, and beyond. Comparable as a global B2B embedded insurance enabler operating at scale across multiple geographies.
- Igloo: Singapore-based embedded insurance insurtech operating across Southeast Asia with partner-led distribution. Comparable as a regional embedded insurance platform pursuing a similar B2B2C API-driven model in emerging markets.
Broad incumbents
- SulAmérica: Major Brazilian insurance and health carrier with a broad product portfolio. Comparable as a large incumbent offering overlapping P&C and life insurance lines through digital and partner channels in Brazil.
- Porto Seguro: One of Brazil's largest insurance carriers with broad P&C, life, and auto lines plus extensive partner distribution. Comparable as an incumbent Brazilian carrier that 180 increasingly competes with for embedded insurance partners and digital distribution.
- Tokio Marine Seguradora: Brazilian subsidiary of global insurer Tokio Marine, offering P&C, auto, and specialty lines including credit and partner-distributed products. Comparable as a global incumbent carrier operating in the same Brazilian embedded/partner distribution space.
- Lemonade: US-listed AI-first insurance carrier using behavioral economics, chatbots, and proprietary technology. Comparable as a tech-driven insurance carrier that pioneered the AI-native insurance narrative and validates the model 180 is pursuing in Brazil and LatAm.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
180 Seguros social profiles
Digital presence180 Seguros compliance and trust
Trust signalCompliance3 records
180 Seguros financial estimates
Financial estimateRevenue estimate
Valuation estimate
180 Seguros leadership team
Management profileNumber of profiles
Profiles1 record
180 Seguros funding detail
Funding detailFunding overview
Funding rounds6 records
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
180 Seguros M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 180 Seguros
What does 180 Seguros do?
180 Seguros is a licensed Brazilian insurtech carrier that sells its own insurance products (financial transactions, real estate, residential, extended warranty, loan/borrower, and personal accident insurance) exclusively through a B2B2C and B2B2AI embedded distribution model. Partners integrate 180's products via a single proprietary API, file exchange, or self-service platform, allowing fintechs, digital banks, credit companies, cooperatives, and retailers to offer insurance within their existing customer journeys. The company also pioneered the first Model Context Protocol (MCP) Server for insurance in Latin America, enabling partner AI agents to execute complete insurance workflows.
Is 180 Seguros a public or private company?
180 Seguros is a private company. It is classified as venture growth investor backed and is currently operating.
When was 180 Seguros founded?
180 Seguros was founded in 2020. It employs 101 to 250 people.
Where is 180 Seguros based?
180 Seguros is headquartered in São Paulo, Brazil, in the Latin America region.
How does 180 Seguros make money?
Two revenue lines are on record. Insurance Premium Revenue is the primary driver. The others are commission Revenue.
Who are 180 Seguros's main competitors?
Direct peers on record are Justos, Akua, Pier and 88i. Emerging players are bolttech and Igloo. Broad incumbents are SulAmérica, Porto Seguro, Tokio Marine Seguradora and Lemonade.
Does 180 Seguros have an API?
Yes. 180 Seguros offers a single API for all insurance products and processes (quotation, issuance, claims, endorsement, cancellation). The API uses OAuth2 client credentials for authentication. Partners can integrate via API, file exchange, or self-service platform. Documentation is available at docs.180s.com.br. The company also offers Code Buddy, an AI assistant (recognized as a Google Cloud case of success in Brazil) that helps partners with integration by generating code responses in under two seconds. Developer documentation is at docs.180s.com.br/reference/introducao.
What industry is 180 Seguros in?
180 Seguros's product category is Embedded Insurance. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 5241 and its SIC code is 6331.