Tino

Name

Tino

Legal name

Tino Instituição de Pagamento Ltda.

Website

https://tino.com.br

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

B2B Payment and Credit Infrastructure

NAICS

Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159), Finance Services (6199)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industries

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM), Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)

Keywords

• B2B payment infrastructure
• Embedded credit solutions
• Fintech lending platform
• Credit risk analytics
• Payment processing 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

Technology or R&D, Personnel, Operations, Marketing or Sales, Compliance/Regulatory

Revenue model

1. Transaction Fee / Take Rate: Tino charges suppliers a fee on each transaction processed through its payment arrangement. Fees are deducted as 'Taxa de Antecipação' (advance rate) when suppliers opt for early payment, or as standard transaction fees from the 'Valor Líquido da Transação'. The revenue is driven by transaction volume across the network of suppliers and buyers.
2. Credit Facilitation Fee: Tino earns fees by facilitating credit between suppliers and commercial establishments. The company performs credit analysis and assumes the payment guarantee risk, charging for this credit intermediation and risk coverage.
3. Receivables Early Payment (Antecipação): Suppliers can request early payment of their receivables (before the transaction due date), with Tino deducting a 'Taxa de Antecipação' (discount rate). This provides working capital access to suppliers and generates fee income for Tino.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Tino is a Brazilian fintech, formerly known as TruePay, licensed as an Instituição de Pagamento (Payment Institution) by Banco Central do Brasil. The company provides B2B credit intelligence and guaranteed payment infrastructure for distributors and SMB retailers in the food and beverage industry, leveraging artificial intelligence for credit analysis and underwriting.

Product overview

Tino is a B2B credit and payment infrastructure platform consisting of two main products: Credit Intelligence (Inteligência de Crédito) for AI-powered credit analysis and risk assessment of commercial establishments, and Guaranteed Sale (Venda Garantida) for risk-free credit transactions where Tino guarantees payment to suppliers. These are supported by a suite of management tools including the Finance Platform, Seller App, and Client Portal, all integrated into a single digital platform specializing in the food and beverage sector.

Differentiator

Problem solved

Functional benefit

Brands

• Inteligência de Crédito: Credit intelligence solution using AI to analyze and recommend credit limits for CNPJs (businesses).
• Venda Garantida
• Plataforma do Financeiro
• App do Vendedor
• Portal do Cliente

Products and services

• Credit Intelligence Platform

Quantifiable outcome

• 20% increase in average monthly spend for retailers using Tino as payment method
• +5 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and flagship.

• VTEXcoreTechnology or Integration · 1 January 2023Tino is an official VTEX partner, integrated into the VTEX marketplace platform. The partnership enables VTEX's B2B e-commerce customers in Brazil to offer Tino's credit and payment solution as a checkout option, facilitating online sales with extended payment terms for buyers. The integration is designed to be simple and fast, supporting VTEX's growth strategy for Brazilian B2B e-commerce.
• TruePay Holdings (Parent Company)flagshipStrategic or Co-development PartnerTruePay Holdings (CNPJ 43.218.075/0001-56) is the parent holding company of Tino Instituição de Pagamento Ltda. The group operates the broader Tino/TruePay B2B credit and payments platform, with Tino functioning as the regulated payment institution within the group structure. The holding company coordinates group strategy, data assets, and capital allocation.
• FrubanaflagshipGTM or Marketing PartnerFrubana, Brazil's largest digital food service distributor, is Tino's flagship customer and marketing partner. The partnership has been extensively documented as a case study: Tino became Frubana's principal installment payment method within one year, doubling customers' average spend. Frubana's public testimonials endorse Tino, and the companies co-produce marketing content highlighting their joint growth results.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• BizCapital: BizCapital is a Brazilian online lender focused on working capital and small business loans, directly comparable to Tino's B2B credit facilitation for SMBs. Both operate proprietary credit decisioning and serve the underserved SMB segment in Brazil.
• Cora: Cora is a Brazilian SMB-focused digital bank offering business accounts, payments, and credit products. It is a direct comparable to Tino's closed-loop B2B payment and credit offering for Brazilian SMBs, though broader in scope (deposit accounts included).
• Kanastra: Kanastra is a Brazilian B2B embedded credit and securitization infrastructure fintech. Comparable to Tino for its focus on B2B credit infrastructure for SMB distribution and supplier-buyer flows in Brazil.
• Conta Simples: Conta Simples is a Brazilian B2B financial platform for SMBs offering corporate accounts, expense management, and credit. Comparable to Tino as a B2B fintech stack serving Brazilian SMBs with payments and credit.

Emerging players

• Jeitto: Jeitto is a Brazilian fintech offering credit and payment solutions to SMB retailers. Its focus on small retailer credit access and supplier-buyer financing overlaps meaningfully with Tino's Venda Garantida proposition, though typically at smaller ticket sizes.
• Lift Brasil: Lift is a Brazilian fintech providing credit solutions to small businesses and individuals. Comparable to Tino's B2B SMB credit focus, though typically operating at smaller scale and narrower use cases.

Broad incumbents

• Stone Co: Stone is one of Brazil's largest payments acquirers and SMB-focused fintechs, offering acquiring, banking, and credit products to merchants. Comparable as a broad incumbent that could expand into B2B supplier credit similar to Tino's proposition.
• PagBank/PagSeguro: PagBank is the digital banking and payments arm of PagSeguro, one of Brazil's largest payments companies. It serves SMBs with accounts, acquiring, and credit, and represents a broad incumbent comparable to Tino's SMB payments-plus-credit model.

Regional players

• Tribal Credit: Tribal Credit provides B2B credit cards and payments infrastructure for SMBs across Latin America (notably Mexico). Comparable to Tino for its B2B SMB credit and payments focus, though operating in different LatAm geographies rather than directly competing in Brazil.
• Aplazo: Aplazo is a Mexican BNPL platform offering installment credit at checkout for B2B and B2C transactions. Comparable to Tino for its BNPL-at-checkout credit model, though primarily operating in Mexico and B2C retail.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@tinopagamentos
• LinkedInlinkedin.com/company/tinobr
• Instagraminstagram.com/tinopagamentos

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors5 records

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

M&A

Investments

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

Frequently asked questions about Tino