180 Seguros

Embedded Insurance180s.com.br

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

Embedded insurance
Insurance API platform
B2B2C insurance
Insurtech carrier
Insurance infrastructure

Where 180 Seguros is headquartered

Location

Headquarters

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 offering

Core 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 profile

Named customers8 records

Segments5 records

Ideal customer profiles5 records

180 Seguros technology and API

Technology

Technology 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 signal

Partnerships

Two partnerships are on record, tiered minor and core.

Icatu CapitalizaçãominorOthersPartnership 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 RecoreOthersReinsurance 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 assessment

Direct 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 compliance and trust

Trust signal

Compliance3 records

180 Seguros financial estimates

Financial estimate

Revenue estimate

Valuation estimate

180 Seguros leadership team

Management profile

Number of profiles

Profiles1 record

180 Seguros funding detail

Funding detail

Funding 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 investment

M&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?

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.