QI Tech

What QI Tech does

QI Tech is a Brazilian fintech-infrastructure-as-a-service company founded in December 2018 in São Paulo, holding both an SCD (Sociedade de Crédito Direto) license from the Banco Central do Brasil under Resolution 4.656/2018 and a DTVM (Distribuidora de Títulos e Valores Mobiliários) license from the CVM. The platform provides regulated, AI-first APIs and White Label infrastructure that allow enterprises, fintechs, e-commerce players, telecom operators, retailers, asset managers, and microfinance NGOs to launch banking, credit, payments, and investment products without obtaining their own financial licenses.

The product surface is organized into five integrated pillars. Risk Solutions delivers digital onboarding, KYC, Pix and transactional antifraud, a no-code credit engine with Open Finance and bureau data integration, and electronic signature (QI Sign, CertifiQI with ICP-Brazil certificates). Banking as a Service provides individualized accounts, escrow accounts, card issuance including Visa-integrated prepaid cards, 24/7 Pix and boleto processing, and treasury automation. Lending as a Service covers BNPL, personal credit, auto financing, payroll-deducted loans (INSS, FGTS, SIAPE, military, private-sector CLT), and FGTS advance, with CCB, CCI, and CCE issuance. DCM offers escrow, commercial notes, and boleto issuance integrated with B3 and CERC. The fifth pillar — Administration and Custódia — runs through QI DTVM, administering FIDCs, FIFs, FIIs, and Fiagro under CVM 175, currently the largest FIDC administrator in Brazil per ANBIMA. Native integrations span Pix (direct participant), CIP/Núcleoa for Boleto/BolePix, Open Finance, and B3. The technology stack uses facial recognition with anti-spoofing against a 110+ million face database, OCR document extraction, real-time anomaly detection on transactional and device data, and predictive credit analytics; the proprietary AI-powered cedente registration reduces processing from four days to one hour with an 80% productivity gain.

The commercial model combines transaction-based revenue (fees on credit originated, Pix processed, and fund administration), recurring platform/subscription revenue from White Label infrastructure customers, and managed-services fees from fund administration and custody. Distribution is exclusively B2B via API integration and direct enterprise sales, plus correspondent banking and asset-manager channels. Named clients include Shopee, Vivo, 99, Rappi, Banco Bari, Enjoei, Nomad, Provu, Jeeves, Multiplike, Ouro Preto Investimentos, Suno Asset, Ártico Capital, LBA Capital, Wellhub (formerly Gympass), Gerando Falcões, Raízes Microfinanças, and Estímulo, spanning enterprise, mid-market, startup, NGO, and SMB segments. Through June 2025 the company had cumulative platform metrics of R$494 billion in Pix processed, R$170 billion+ in assets under administration, R$107 billion+ in credit issued, R$98 billion protected against fraud, 21.2 million unique CPFs served (approximately 20% of Brazil's economically active population), and 700+ clients. Investors include GIC (Singapore Sovereign Wealth Fund), General Atlantic (lead of the 2023 R$1B Series B and 2025 $63M extension), Across Capital, Endeavor Catalyst, and FJ Labs; total disclosed equity raised is approximately R$1 billion across rounds through 2025. The company is EBITDA-positive, holds an AA-(bra) Fitch Rating with Positive Outlook, and has signalled potential IPO plans for 2025-2026.

Name

QI Tech

Legal name

QI Sociedade de Crédito Direto S.A.

Website

https://qitech.com.br

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

QI Tech is a Brazilian fintech infrastructure platform providing regulated AI-first APIs and White Label solutions for banking, lending, fund administration, and risk management, enabling enterprises, fintechs, e-commerce platforms, and asset managers to launch financial products without their own licenses.

Ownership category

akta.pro rank

Product category

Embedded Financial Infrastructure

NAICS

Computer Systems Design and Related Services (54151), Sales Financing (52222), Credit Card Issuing (52221)

SIC

Short-Term Business Credit Institutions (6153), Finance Services (6199)

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industries

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Card Issuing & Program Management Platforms (BPAMAFAH)

Keywords

• Embedded finance infrastructure
• Banking as a service
• Lending as a service
• Financial API platform
• Fund administration services

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, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. API/Transaction-Based Revenue: QI Tech generates revenue through transaction fees on credit issued, payments processed, Pix transactions, and fund administration services. Partners pay based on volume of financial operations processed through the platform.
2. Platform/Subscription Fees: Revenue from White Label banking and lending infrastructure fees where companies pay for access to the full financial services stack on a recurring basis.
3. Fund Administration Services: Fees for administration and custody of investment funds including FIDCs, FIIs, and other fund structures managed through QI DTVM.
4. Credit Originiation Revenue: Revenue from credit issuance operations including CCB origination fees and credit processing services through the SCD license.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

QI Tech provides an AI-first financial infrastructure-as-a-service platform that enables enterprises, fintechs, and non-financial companies to embed banking, lending, payments, fraud prevention, electronic signature, and fund administration products via APIs and white-label solutions, backed by direct SCD and DTVM regulatory licenses from Brazil's Central Bank and CVM. The platform unifies Banking as a Service, Lending as a Service, Risk Solutions, DCM, and fund administration under a single ecosystem so that partners can launch financial products in weeks without obtaining their own financial licenses.

Product overview

QI Tech is an AI-first financial infrastructure-as-a-service platform offering a modular portfolio of integrated products. The core platform consists of four main pillars: Risk Solutions (onboarding, antifraud, credit engine, electronic signature), Banking as a Service (digital accounts, white label, payments), Lending as a Service (credit issuance, BNPL, payroll loans), and DCM (capital markets platform for escrow, commercial notes, CCB issuance). The company also operates its own DTVM for fund administration and custody of FIDCs and other investment funds. Key sub-products include QI Sign and CertifiQI (electronic/digital signature with facial recognition), the White Label digital bank solution, Motor de Crédito (no-code credit engine), and specialized credit products like Consignado (payroll-deducted credit) and Credit Card Consignado. All products are connected through APIs, enabling companies to build financial products quickly without becoming financial institutions themselves.

Differentiator

Problem solved

Functional benefit

Brands

• QI Sign: Electronic signature platform with facial recognition, liveness proof, OCR document validation, and device scanning for secure document signing
• CertifiQI
• Banking as a Service (BaaS)
• Lending as a Service (LaaS)
• Risk Solutions
• DCM (Debt Capital Markets)
• QI DTVM
• Singulare

Products and services

• Risk Solutions Suite combining digital onboarding, Pix and transactional fraud prevention, a no-code credit decision engine, and electronic signature for compliance validation and fraud prevention. Targeted at enterprises and fintechs that need to verify identities, run credit checks, and sign documents at scale with regulatory-grade security.
• Banking as a Service (BaaS) Digital account infrastructure enabling white-label digital banks with individualized accounts, escrow accounts, Visa card issuance, Pix and boleto payments, treasury automation, and 24/7 high-volume transaction processing. Built for enterprises and fintechs that want to offer banking products under their own brand without obtaining a banking license.
• Lending as a Service (LaaS) Credit issuance infrastructure offering personal credit, automotive financing, student loans, mortgage, BNPL, payroll-deducted loans, and FGTS advance with CCB, CCI, and CCE issuance integrated with the National Financial System. Designed for companies that want to issue, structure, and disburse credit at scale.
• DCM (Platform for Capital Markets) Capital markets platform providing escrow accounts, commercial notes, CCB, CCI, and CCE issuance, boleto issuance, certification, and electronic signature. Integrated with antifraud, credit issuance, banking, and fund administration for banks, asset managers, and securitizers that need full DCM operations in a single platform.
• Fund Administration and Custody (Administração e Custódia) CVM 175-compliant fund structuring, administration, custody, controllership, and distribution for FIDCs, FIFs, FIIs, and Fiagro with real-time information and automated back-office operations. Available through QI DTVM, this service supports 1,000+ funds and 740+ FIDCs and is ranked as the largest such administrator and custodian in Brazil per ANBIMA.
• QI Sign Electronic signature platform with facial recognition, liveness proof, OCR document validation, and device scanning for secure document execution with legal validity. Built for high-volume signing operations across credit, onboarding, and fund administration workflows.
• CertifiQI Digital signature platform with ICP-Brazil certificate enabling high-volume document signing with legal validity, integrated natively with QI Tech's SCD and DTVM operations. Delivered via API or dashboard for clients that require ICP-Brazil-compliant signatures at scale.
• Credit Card Consignado as a Service (Cartão Consignado) First payroll-deducted credit card as a Service in Brazil with simplified contracting, automatic invoice deduction from payroll, life insurance, and pharmacy discounts. Delivered via white label for INSS retirees, benefit holders, and pensioners, with FIDC-backed funding.

Quantifiable outcome

• Reduced FIDC structuring time from 60 days to 30 days
• +9 more outcomes

Named customers20 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability9 records

Feature10 records

Partnerships

Three partnerships are on record, tiered core.

• Bettr (Ant International)coreStrategic or Co-development Partner · 26 June 2026QI Tech partnered with Bettr, a subsidiary of Ant International, to launch working capital loans for small and medium-sized e-commerce merchants and Buy Now, Pay Later (BNPL) options for AliExpress consumers in Brazil. The partnership leverages automated transactional data analysis and risk management models to provide credit solutions aligned with users' repayment capabilities. The collaboration targets Brazil's growing e-commerce market projected to reach USD 150.91 billion by 2031.
• SingularecoreStrategic or Co-development Partner · 14 November 2023QI Tech announced the acquisition of Singulare, a leading fund administration broker managing R$97 billion in assets. The transaction, pending Central Bank approval, was expected to significantly increase QI Tech's revenue and staffing while expanding its credit market infrastructure in Brazil. Singulare has been integrated as part of QI Tech's conglomerate.
• ZaigcoreStrategic or Co-development Partner · 23 December 2021QI Tech acquired Zaig as its first acquisition following the GIC investment. Zaig brought onboard, KYC, and antifraud solutions that were integrated into QI Tech's credit services, enhancing the platform's customer onboarding and fraud prevention capabilities.

Scale indicators23 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Pomelo: Pomelo is a Latin American Banking-as-a-Service platform enabling companies to issue cards, offer accounts, and embed credit via APIs across Mexico, Argentina, Colombia, and Brazil. Headquartered in the same BaaS/embedded finance category as QI Tech, with overlapping target customers (fintechs, retailers, non-financial brands) and identical licensing-driven value proposition.
• Dock: Dock (formerly Conductor) is one of Brazil's largest BaaS/processing platforms, providing card issuance, account infrastructure, and payment processing to fintechs and corporates. Directly comparable to QI Tech on geography, customer base (Brazilian fintechs and enterprises), and the model of selling regulated infrastructure to non-bank brands.
• Belvo: Belvo is a Latin American Open Banking and financial data API platform serving fintechs and lenders across Brazil, Mexico, Colombia, and beyond. QI Tech's Open Finance integration and credit engine have comparable functionality, and Belvo's developer-first API-first GTM mirrors QI Tech's API-first motion into fintech partners.
• Pismo: Pismo provides a cloud-native core banking and payments processing platform used by banks, fintechs, and processors globally (now part of Visa). Directly comparable to QI Tech's Banking-as-a-Service layer (accounts, cards, payments infrastructure) on target customer (banks, fintechs) and platform model, though Pismo focuses on core banking rather than fund administration.
• Conta Simples: Conta Simples is a Brazilian B2B digital banking platform offering corporate accounts, Pix, boletos, payments, and embedded credit to SMEs and fintechs. Direct Brazilian geo/regulatory comparable to QI Tech's BaaS offering, with overlapping target customers (fintechs, SMEs, non-financial brands seeking banking infrastructure).
• Caju: Caju is a Brazilian employee benefits platform (meal, food, culture benefits cards) with embedded banking, cards, and credit capabilities. Comparable to QI Tech in using BaaS infrastructure to power corporate cards and consumer credit at scale, and a relevant peer in the card-issuing + payroll-credit intersection QI Tech targets with Cartão Consignado.
• Marqeta: Marqeta is a US-listed card-issuing API platform enabling fintechs and brands to launch physical and virtual card programs. Directly comparable to QI Tech's card issuing capability (e.g., Cartão Consignado with Visa), same developer-first API model, and same target buyer (fintechs and non-financial corporates wanting branded cards).

Broad incumbents

• Stone Co / Ton: Stone Co is one of Brazil's largest payment acquirers and its Ton division offers digital banking, accounts, and embedded financial services for SMBs and fintechs. Broader incumbent spanning acquirer + banking, but Ton overlaps with QI Tech's BaaS and embedded banking/lending offering for Brazilian enterprises.
• PagBank / PagSeguro: PagBank/PagSeguro (part of PagSeguro/UOL group) is a major Brazilian digital bank and payment platform serving merchants and consumers. Provides accounts, Pix, cards, and credit at broad retail scale — overlapping with QI Tech's BaaS, payments, and embedded credit capabilities but targeting end merchants rather than API-first developer partners.
• Plaid: Plaid is the leading global financial data aggregation and Open Banking/payment initiation API platform serving fintechs and lenders. QI Tech's Open Finance integration, payment initiation capabilities, and credit decisioning APIs overlap with Plaid's product surface, though Plaid is broader/incumbent and lacks QI Tech's direct SCD/DTVM licenses and credit origination stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@qitechoficial/videos
• LinkedInlinkedin.com/company/qi-tech
• Instagraminstagram.com/qitech

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds6 records

Investors5 records

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

M&A4 records

Investments

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

Frequently asked questions about QI Tech