Zippi
Zippi is a Brazilian fintech founded in 2019 that provides PIX-based weekly-billed working capital credit to micro-entrepreneurs and self-employed professionals (MEIs and autônomos) across Brazil through a mobile app, operating as a banking correspondent for regulated SCDs.
- Company typePrivate
- Founded2019
- HeadquartersSão Paulo, Brazil
- Headcount51–100
- GTM typeB2C
- OfferingSoftware
What Zippi does
Zippi is a Brazilian fintech founded in late 2019 and headquartered in São Paulo that delivers working-capital credit to micro-entrepreneurs, individual micro-entrepreneurs (MEI), and self-employed professionals (autônomos) through a PIX-native mobile application. The platform operates as a correspondent bancário for three regulated Sociedades de Crédito Direto—BMP, UY3, and Via Capital—originating credit under their regulatory framework while handling onboarding, underwriting, and servicing through its own app. Credit underwriting leverages Open Finance data and Brazilian credit bureau (SCR) feeds accessed via payment-institution partners (INICIADOR, CUMBUCA), enabling automated risk assessment for a thin-file customer base that traditional banks typically reject. Each credit transfer generates an electronically signed Cédula de Crédito Bancário (CCB), and repayment—due every Wednesday against a Monday-closing weekly invoice—replenishes the user's limit within three seconds.
The product is a single offering: a revolving, weekly-billed credit line delivered via PIX rather than a physical card. Pricing is usage-based with weekly interest starting at 4% on utilized amounts, plus late-payment penalties of 2% plus up to 22% monthly remuneration interest. There are no subscription fees or annual charges, and credit limits grow automatically for users who repay on time. The company serves customers across 145+ professions and 3,440+ Brazilian municipalities, processing more than 100,000 monthly transactions, and has reached operational breakeven.
Revenue is generated primarily through interest income on outstanding credit balances, with funding sourced through three successive FIDC (Credit Rights Investment Fund) securitizations—R$66M (2024), R$80M (2025), and R$220M (February 2026)—drawing capital from Itaú Asset, Itaú BBA, Bradesco BBI, Valora, Verde, and Japan's Credit Saison. Equity backing includes a $16M Series A led by Tiger Global in June 2022 with Y Combinator participation. The company is LGPD-compliant and currently targets R$350M in assets under management and R$10B in annual transaction volume by end of 2026.
Zippi firmographics
Firmographics- Name
- Zippi
- Legal name
- ZIPPI SOLUÇÕES DE CRÉDITO LTDA
- Website
- https://zippi.com.br
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Zippi is a Brazilian fintech founded in 2019 that provides PIX-based weekly-billed working capital credit to micro-entrepreneurs and self-employed professionals (MEIs and autônomos) across Brazil through a mobile app, operating as a banking correspondent for regulated SCDs.
- Ownership category
- akta.pro rank
Zippi industry classification
Industry- Product category
- Digital Lending / Alternative Credit
- NAICS
- Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Line of Credit / Revolving Short-Term Credit (Non-card) (FSAKAMAG)
- akta.pro secondary industries
- Credit Cards & Revolving Credit (FSABAAAC), Subprime / Credit-Building Credit Cards (FSAKABAJ)
Keywords
Where Zippi is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Zippi business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Interest Income on Credit: Zippi earns revenue from interest charged on the working capital credit extended to micro-entrepreneurs. The weekly billing model charges a minimum of 4% weekly interest on utilized credit. Late payments incur additional charges including 2% penalty, up to 1% monthly mora interest, and up to 22% monthly remuneration interest.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Usage-based credit with weekly billing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels8 records
Zippi product offering
Product offeringCore offering
Zippi provides a revolving working capital credit line (Capital de Giro) to Brazilian micro-entrepreneurs and self-employed professionals through its mobile app. Users transfer their approved credit limit directly via PIX to their own bank account or to suppliers, with weekly billing cycles and automatic limit replenishment within 3 seconds of payment. The product is positioned as a card-free, PIX-native alternative to traditional credit cards and bank loans, with interest rates starting at 4% per week on utilized credit.
Product overview
Zippi is a single-product fintech that offers one core offering: Capital de Giro (Working Capital Credit) delivered through its mobile app. The product provides micro and small entrepreneurs in Brazil with a revolving credit limit accessible via PIX instant payments, with weekly billing cycles and automatic limit growth for timely users. There are no distinct modules, sub-products, or add-ons — the product is the Zippi app and its associated credit line.
Differentiator
Problem solved
Functional benefit
Products and services
- Capital de Giro (Working Capital Credit) Revolving weekly-billed working capital credit line accessed through the Zippi mobile app. Users draw their approved credit limit directly via PIX instant payments to their own bank account or to suppliers, with invoices issued every Monday and due by Wednesday. The credit limit replenishes within 3 seconds of payment, and limits automatically grow with responsible usage. Designed for micro-entrepreneurs and MEI business owners across 145+ professions who need fast, small-ticket working capital without cards, annual fees, or lengthy bank approval.
Quantifiable outcome
- Over 100% growth in revenue, portfolio, and transaction volume in 2025
- +3 more outcomes
Companies that use Zippi
Customer profileNamed customers5 records
Segments2 records
Ideal customer profiles2 records
Zippi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Zippi partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and major.
- BMP Sociedade de Crédito DiretocoreRegulated financial institution for which Zippi acts as correspondent bancário. Provides credit capital for operations originated through Zippi's platform. CNPJ: 34.337.707/0001-00. Partner since inception for CCB issuance.
- UY3 Sociedade de Crédito DiretocoreRegulated financial institution operating as correspondent banking partner. Issues credit through Zippi's platform under its banking correspondent framework. CNPJ: 39.587.424/0001-30.
- Via Capital Sociedade de Crédito DiretocoreRegulated financial institution partnered with Zippi for credit operations. CNPJ: 48.632.754/0001-90. Via Capital accesses SCR data for credit analysis under the partnership framework.
- INICIADOR INSTITUIÇÃO DE PAGAMENTO LTDAmajorBCB-authorized payment institution providing Open Finance and PIX connection technology. CNPJ: 44.471.172/0001-19. Provides data connection and payment consent management infrastructure for Zippi's auto-debit payment feature.
- CUMBUCA INSTITUIÇÃO DE PAGAMENTO LTDAmajorPayment institution partnered with Zippi for transaction processing. CNPJ: 44.353.942/0001-29. Accesses SCR data for credit protection and fraud prevention on operations originated through Zippi's platform.
Scale indicators11 records
Recent moves6 records
Expansion highlights5 records
Zippi competitors and assessment
Company assessmentDirect peers
- Creditas: Brazilian consumer and SMB credit fintech offering secured and unsecured lending. Comparable to Zippi in providing non-card credit to Brazilian individuals and small businesses, and similarly uses securitization/FIDC structures to fund lending, though Creditas focuses more on asset-backed (auto/home) lending.
- Konfío: Mexico-based fintech providing working capital and SMB credit, with strong product-market fit among micro and small businesses. Closest direct functional peer to Zippi in LATAM given its focus on informal/SMB working capital, data-driven underwriting, and rapid digital onboarding.
- BizCapital: Brazilian online lender focused on working capital credit for small and medium-sized businesses. Competes head-to-head with Zippi in the SMB working capital segment, using data-driven underwriting and digital channels to serve underserved borrowers.
- a55: Brazilian fintech that provides working capital and credit to small businesses. Directly comparable to Zippi in target customer (micro and small businesses) and product (revolving working capital credit), with similar digital-first origination model.
- Cora: Brazilian digital business banking platform offering SMB accounts, payments, and credit. Comparable to Zippi in serving Brazilian SMBs with digital financial products, and increasingly overlapping on SMB working capital credit.
Broad incumbents
- Mercado Pago: LATAM payments and credit arm of Mercado Libre, offering working capital credit to SMB sellers. Directly competes with Zippi on PIX-based credit to micro-entrepreneurs and represents a much larger incumbent with integrated marketplace distribution.
- Nubank: Brazil's largest digital bank offering credit cards, personal loans, and increasingly SMB products. Represents the dominant incumbent competing for Zippi's customer base with much lower cost of funds and a broader product suite.
- StoneCo: Brazilian payments and SMB banking platform offering acquiring, banking, and credit products to merchants. Adjacent competitor to Zippi as it expands into SMB working capital and embedded credit for its merchant base.
Emerging players
- Geru: Brazilian online consumer and SMB credit fintech serving borrowers underserved by traditional banks. Comparable to Zippi in targeting informal or thin-file borrowers with algorithmic underwriting, though focused more on personal loan products.
Regional players
- Klar: Mexico-based digital bank and credit provider offering consumer and SMB credit products. Comparable to Zippi as a LATAM digital credit provider targeting underbanked segments, but operates in Mexico rather than Brazil.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Zippi social profiles
Digital presenceZippi compliance and trust
Trust signalCompliance1 record
Zippi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zippi leadership team
Management profileNumber of profiles
Profiles3 records
Zippi funding detail
Funding detailFunding overview
Funding rounds7 records
Investors29 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zippi 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 Zippi
What does Zippi do?
Zippi provides a revolving working capital credit line (Capital de Giro) to Brazilian micro-entrepreneurs and self-employed professionals through its mobile app. Users transfer their approved credit limit directly via PIX to their own bank account or to suppliers, with weekly billing cycles and automatic limit replenishment within 3 seconds of payment. The product is positioned as a card-free, PIX-native alternative to traditional credit cards and bank loans, with interest rates starting at 4% per week on utilized credit.
Is Zippi a public or private company?
Zippi is a private company. It is classified as venture growth investor backed and is currently operating.
When was Zippi founded?
Zippi was founded in 2019. It employs 51 to 100 people.
Where is Zippi based?
Zippi is headquartered in São Paulo, Brazil, in the Latin America region.
How does Zippi make money?
One revenue line is on record: interest Income on Credit.
Who are Zippi's main competitors?
Direct peers on record are Creditas, Konfío, BizCapital, a55 and Cora. Broad incumbents are Mercado Pago, Nubank and StoneCo. Geru is listed as an emerging player. Klar is listed as a regional player.
Does Zippi have an API?
No public API is recorded for Zippi.
What industry is Zippi in?
Zippi's product category is Digital Lending / Alternative Credit. Its primary akta.pro industry code is FSAKAMAG, Line of Credit / Revolving Short-Term Credit (Non-card), with a secondary code of FSABAAAC, Credit Cards & Revolving Credit. Its NAICS code is 5222 and its SIC code is 6141.