Caju
Caju is a Brazil-based, Banco Central-licensed employee-benefits and corporate-payments platform that consolidates up to nine benefit categories, HR processes, and expenses onto a single card and app for SMB, mid-market, and enterprise clients across the country.
- Company typePrivate
- Founded2022
- HeadquartersBela Vista, Brazil
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Caju does
Caju is a Brazilian employee-benefits and corporate-payments platform operating as EBBP IP LTDA, an Instituição de Pagamento authorized by the Banco Central do Brasil. Its core product, Caju Multibenefícios, consolidates up to nine categories of employee benefits — including food, meal, health and wellness, transportation, awards, and expenses — onto a single card, supported by PIX and boleto payment rails, iOS and Android apps with Google and Samsung Wallet integration, and a cloud-based HR platform that spans admission through retention. The company markets an "Essencial" plan with zero contracting fees and "taxa zero" on food categories for SMB and mid-market clients.
The business operates a hybrid go-to-market model: a product-led, self-serve funnel (quero.caju.com.br) for SMBs and mid-market, direct enterprise sales for accounts with 50,000+ employees (including Embraer, Grupo Boticário, Votorantim, Paraná Banco, Aurora, and Visa), and a reseller channel called Revenda Caju. Revenue is generated through recurring platform subscriptions, transaction processing fees on the card network, and an emerging credit product (Empréstimo Consignado) distributed via correspondent-banking partnership with VIA CAPITAL (Celcoin) under Banco Central Resolution 4.935/21. Customers report 30% less time on operational HR tasks, 80% improved talent attraction/retention, and 71% higher employee engagement, based on company-disclosed outcomes.
Founded around 2019 by Eduardo Giglio and Renan Mendes, Caju raised approximately $40M cumulatively across multiple rounds, including a $25M Series B led by K1 Investment Management in August 2022. Headcount scaled from roughly 70 in 2022 to about 370 in 2023 and is now reported in the 501–1,000 range, supporting a footprint of 50,000+ corporate clients and 1M+ end-user employees, all within Brazil. The company has begun to professionalize its leadership bench with international hires such as CMO Zachary Fox, and it operates content and community sub-brands (Cajuína, blog.caju.com.br) to support demand generation in the HR buyer segment.
Caju firmographics
Firmographics- Name
- Caju
- Legal name
- Empresa Brasileira de Benefícios e Pagamentos Instituição de Pagamento Ltda
- Website
- https://caju.com.br
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Caju is a Brazil-based, Banco Central-licensed employee-benefits and corporate-payments platform that consolidates up to nine benefit categories, HR processes, and expenses onto a single card and app for SMB, mid-market, and enterprise clients across the country.
- Ownership category
- akta.pro rank
Caju industry classification
Industry- Product category
- Employee Benefits Management
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Payment Reconciliation, ERP/AP Integration & Data Enrichment (Level 2/3, eReceipts) (THACAJAE)
- akta.pro secondary industries
- BNPL Card / Virtual Card Programs (FSAKACAC), Travel Payments & Virtual Cards for Corporate Travel (THALAMAJ)
Keywords
Where Caju is headquartered
LocationHeadquarters
- HQ city
- Bela Vista
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Caju business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Subscription Platform Fees: Caju charges subscription fees for access to their multibenefits platform with zero fees for contracting. The platform offers different plans (Essencial plan for SMBs) with integrated management of benefits, expenses, and HR.
- Transaction Processing: Revenue generated from processing benefit transactions through their payment infrastructure and card network
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Essential plan for small and medium businesses with zero fees |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Caju product offering
Product offeringCore offering
Caju operates a cloud-based multi-benefit platform that combines a Visa-backed BR Benefícios card with software for managing employee benefits (food, meal, culture, mobility, education), corporate expenses, people/HR workflows, rewards, wellness, and travel. The platform is delivered as a subscription SaaS to Brazilian employers, enabling centralised configuration, distribution, and reconciliation of allowances, with acceptance across the Visa network and PIX rails through Caju's own payment institution license.
Product overview
Caju is a Brazilian employee benefits and payments platform offering an integrated multi-benefit solution architecture. The core product, Caju Multibenefícios, is a unified platform that centralizes up to 9 categories of employee benefits—including food/meal benefits (Benefícios), expense management (Despesas), people/HR management (Pessoas), awards (Premiação), and health & wellness (Bem-estar e saúde)—under a single card system. The platform serves businesses of all sizes across Brazil with a zero-cost model for employers. Additional products include Caju Viagens (corporate travel), IndiCaju (analytics), Caju Ciclos, Caju Mais (well-being), and Caju Premiações. The company also operates a reseller program (Revenda Caju) and offers consignee loans through banking partnerships.
Differentiator
Problem solved
Functional benefit
Brands
- Cajuína: Initiatives related to company culture and internal community at Caju, including an internal blog section and cultural content.
Products and services
- Caju Multibenefícios
- Benefícios
- Despesas
- Pessoas
- Premiação
- Bem-estar e saúde
- Caju Viagens
- Empréstimo Consignado
Quantifiable outcome
- 30% less time spent on operational HR tasks
- +3 more outcomes
Companies that use Caju
Customer profileNamed customers8 records
Segments7 records
Ideal customer profiles3 records
Caju technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Caju partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core, flagship and minor.
- VIA CAPITAL (Celcoin)coreCaju acts as a corresponding bank of VIA CAPITAL - SOCIEDADE DE CRÉDITO DIRETO S.A. (Celcoin) for the private consigned loan product, following Banco Central do Brasil Resolution 4,935/21 guidelines.
- Lázaro RamosflagshipBrazilian actor and entrepreneur featured in Caju's first major advertising campaign 'Caju é pra todo tipo de empresa' (Caju is for every type of company) created with agency DOJO.
- Instituto SemearminorSocial impact organization mentioned as partner in diversity and inclusion initiatives.
- DOJO AgencyminorCreative agency that developed Caju's 'Caju é pra todo tipo de empresa' advertising campaign featuring Lázaro Ramos.
Scale indicators5 records
Recent moves1 record
Expansion highlights6 records
Caju competitors and assessment
Company assessmentDirect peers
- Pluxee: Recently spun off from Sodexo, Pluxee is a global employee benefits and engagement platform (meal, gift, mobility, wellness). It is one of the largest direct competitors to Caju in the corporate benefits card category.
- VR Benefícios: Major Brazilian employee benefits issuer (food, meal, transportation, education, cultura cards) with extensive merchant acceptance network—a core incumbent competitor in the same product category as Caju.
- Alelo: Brazilian benefits and corporate payments company offering food, meal, transportation, and culture benefits via prepaid cards—directly competitive with Caju's multi-benefit value proposition in Brazil.
- Swile: French employee benefits card and platform company offering meal vouchers, gift, mobility and other benefits on a single card with an HR-integrated app—directly analogous to Caju's multi-benefit card and mobile experience.
- Up Brasil: Brazilian multi-benefit platform (food, meal, fuel, gift, education, cultura) for corporate clients, comparable in product breadth and target customer to Caju's multi-benefit offering.
Emerging players
- Pontotel: Brazilian HR SaaS platform for time tracking, PTO, and people management—adjacent to Caju's Pessoas module and serving a similar SMB/mid-market HR buyer.
- Flash: Brazilian startup offering a multi-benefit and corporate expense card with mobile-first UX; overlaps with Caju's benefits and expense modules but at an earlier stage.
- Deel: Global HR and payroll platform (initially focused on international contractors) now expanding into benefits and payments; overlaps with Caju's people management and embedded benefits vision, though focused on cross-border use cases.
Broad incumbents
- TOTVS: Largest Brazilian enterprise software company with broad HR, payroll, and ERP suites. Caju competes most directly on the HR/benefits module level but TOTVS addresses a wider customer base and product portfolio.
- Edenred (Ticket Log in Brazil): Global leader in prepaid corporate services with the Ticket Log brand dominating the Brazilian meal voucher and benefits market. Operates at much larger scale than Caju but serves the same employer use cases.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Caju social profiles
Digital presenceCaju financial estimates
Financial estimateRevenue estimate
Valuation estimate
Caju leadership team
Management profileNumber of profiles
Profiles3 records
Caju funding detail
Funding detailFunding overview
Funding rounds10 records
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Caju 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 Caju
What does Caju do?
Caju operates a cloud-based multi-benefit platform that combines a Visa-backed BR Benefícios card with software for managing employee benefits (food, meal, culture, mobility, education), corporate expenses, people/HR workflows, rewards, wellness, and travel. The platform is delivered as a subscription SaaS to Brazilian employers, enabling centralised configuration, distribution, and reconciliation of allowances, with acceptance across the Visa network and PIX rails through Caju's own payment institution license.
Is Caju a public or private company?
Caju is a private company. It is classified as venture growth investor backed and is currently operating.
When was Caju founded?
Caju was founded in 2022. It employs 501 to 1,000 people.
Where is Caju based?
Caju is headquartered in Bela Vista, Brazil, in the Latin America region.
How does Caju make money?
Two revenue lines are on record. Subscription Platform Fees are the primary driver. The others are transaction Processing.
Who are Caju's main competitors?
Direct peers on record are Pluxee, VR Benefícios, Alelo, Swile and Up Brasil. Emerging players are Pontotel, Flash and Deel. Broad incumbents are TOTVS and Edenred (Ticket Log in Brazil).
Does Caju have an API?
No public API is recorded for Caju.
What industry is Caju in?
Caju's product category is Employee Benefits Management. Its primary akta.pro industry code is THACAJAE, Payment Reconciliation, ERP/AP Integration & Data Enrichment (Level 2/3, eReceipts), with a secondary code of FSAKACAC, BNPL Card / Virtual Card Programs. Its NAICS code is 522320 and its SIC code is 7370.