Credix
Credix is a Belgium-incorporated fintech operating the CrediPay B2B embedded credit platform in Brazil and Latin America, enabling enterprise brands and SMEs to offer installment plans, working capital, and receivables financing with native VTEX, boleto, and PIX integration.
- Company typePrivate
- Founded2021
- HeadquartersAntwerp, Belgium
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Credix does
Credix is a Belgium-incorporated fintech founded in 2021 that operates a B2B embedded credit platform called CrediPay, targeting enterprise brands, retailers, and SMEs primarily in Brazil and Latin America. The platform enables businesses to offer flexible installment plans (30/60/90 days), working capital solutions with next-day funding, and a seller dashboard for credit management, with native integration into VTEX e-commerce stores and Brazilian payment networks (boleto, PIX). Originally launched as a decentralized credit protocol on the Solana blockchain connecting institutional investors to emerging market fintechs via tokenized credit assets, the company has shifted its primary commercial focus in 2024-2025 to CrediPay's embedded B2B credit infrastructure while retaining elements of the underlying blockchain architecture and DeFi investor connectivity.
Credix generates revenue through credit facilitation fees on transactions facilitated between institutional investors and SMEs, plus platform/SaaS fees for access to CrediPay's infrastructure, credit management tools, and integration services, with custom enterprise pricing tied to transaction volume, credit limits, and integration scope. The customer base spans large enterprise brands (Praso, Allied, Volvo Trucks, Acer) on multi-year enterprise contracts and a long tail of Brazilian SMEs receiving receivables financing. Distribution combines direct enterprise field sales, a self-service developer SDK/API, and a channel partnership with VTEX enabling plug-and-play merchant activation in as little as four weeks.
The company has raised over $100 million in equity and debt from investors including Motive Partners, ParaFi Capital, BTG Pactual, Patria, Valor Capital, Cumberland, and Polígono Capital, supplemented by a $60 million credit facility from a US alternative investment manager and Brazilian FIDC (Receivables Investment Fund) structures of R$300M and R$470M created with BTG Pactual. Headquartered in Brussels with a regional operating hub in São Paulo, Credix employs 11-50 people and is positioned at the intersection of B2B embedded finance, SME credit, and blockchain-based capital markets infrastructure.
Credix firmographics
Firmographics- Name
- Credix
- Legal name
- Credix
- Website
- https://credix.finance
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Credix is a Belgium-incorporated fintech operating the CrediPay B2B embedded credit platform in Brazil and Latin America, enabling enterprise brands and SMEs to offer installment plans, working capital, and receivables financing with native VTEX, boleto, and PIX integration.
- Ownership category
- akta.pro rank
Credix industry classification
Industry- Product category
- B2B Credit Platform
- NAICS
- Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)
- akta.pro primary industry
- Balance-Sheet / Portfolio CRE Lending (FSALADAG)
- akta.pro secondary industries
- Real Estate Private Credit (CRE Debt) (FSANADAG), CRM Strategy, Implementation & Managed Services (MPAAAIAD)
Keywords
Where Credix is headquartered
LocationHeadquarters
- HQ city
- Antwerp
- HQ country
- Belgium
- HQ region
- Europe
Offices2 records
Markets served
Credix business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Credit Facilitation Fees: Credix earns revenue by facilitating credit between institutional investors and SMEs. The platform connects lenders with borrowers, taking a fee or spread on the credit transactions. Focuses on receivables financing and working capital solutions for Brazilian SMEs.
- Platform/SaaS Fees: Provides B2B credit infrastructure to enterprise brands, charging for access to CrediPay platform, credit management tools, and integration services. Features include seller dashboard, customer management, and analytics.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Enterprise B2B credit platform with configurable features |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Credix product offering
Product offeringCore offering
Credix operates CrediPay, a B2B credit platform that enables brands and retailers to offer embedded financing to their business customers. The platform provides flexible installment plans with configurable 30/60/90-day terms, working capital solutions with next-day funding, and a seller dashboard for credit management. CrediPay integrates with existing tech stacks including VTEX e-commerce stores and Brazilian payment networks (boleto/PIX), with a 4-week deployment timeline.
Product overview
Credix operates as a B2B credit platform offering a unified product portfolio centered around CrediPay. CrediPay is a complete embedded financing solution that includes three core modules: Flexible Installment Plans (for configurable payment terms), Working Capital Solutions (for access to working capital with next-day funding), and a Seller Platform (for customer management and analytics). The platform integrates natively with VTEX ecommerce stores and payment networks like Boleto and PIX, enabling businesses to offer credit at checkout with a 4-week implementation timeline.
Differentiator
Problem solved
Functional benefit
Brands
- CrediPay: B2B credit solution that integrates with business tech stacks, offering flexible installment plans, working capital solutions, and seller platform tools for businesses to provide credit to their customers.
Products and services
- CrediPay CrediPay is a complete B2B credit solution that integrates with existing tech stacks to power embedded financing. It includes flexible installment plans (30/60/90 days), working capital solutions with next-day funding, and a seller platform for credit management with real-time credit limits, customer management, and analytics. The platform integrates natively with VTEX e-commerce stores and Brazilian payment networks (boleto/PIX), enabling B2B brands to offer credit at checkout with a 4-week implementation timeline.
Quantifiable outcome
- Credit approval time reduced to under 2 minutes
- +5 more outcomes
Companies that use Credix
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
Credix technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Credix partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- Visa (Advisors)minorNotable advisor from Visa providing guidance on payment networks and financial technology strategy during Credix's early development and Solana mainnet deployment.
- Bank Itaú (Advisors)minorNotable advisor from Bank Itaú providing Brazilian banking market expertise and guidance on SME credit strategies in Latin America.
- Goldman Sachs (Advisors)minorNotable advisor from Goldman Sachs providing investment banking perspective and expertise on emerging market credit opportunities.
- Augmentum (Advisors)minorNotable advisor from Augmentum fintech VC providing venture capital perspective and network in European fintech ecosystem.
- VTEXcoreE-commerce platform partnership enabling VTEX store merchants to integrate Credix credit solutions in a few clicks. Allows seamless embedded financing for online B2B merchants using the VTEX platform.
Scale indicators14 records
Recent moves6 records
Expansion highlights5 records
Credix competitors and assessment
Company assessmentBroad incumbents
- Stripe Capital: Stripe's embedded financing arm offering working capital and capital loans to businesses using Stripe payments. Most comparable to Credix's CrediPay in product mechanic (embedded, API-based working capital), though Stripe serves primarily Stripe merchants globally rather than LatAm B2B specifically.
- BTG Pactual Empresas: Investment banking and credit arm of Brazil's largest independent investment bank, now an investor and FIDC partner of Credix. Comparable in SME credit origination in Brazil, but operates as full-service bank versus Credix's focused fintech platform.
Direct peers
- Tribal Credit: Direct competitor offering B2B credit cards and working capital solutions to SMEs in emerging markets, particularly Latin America and Mexico. Both companies target LatAm SMEs underserved by banks with embedded, modern credit infrastructure.
- Kredito: Online lending platform focused on providing working capital and credit lines to SMEs in Latin America. Closely matches Credix's SME working capital focus and regional concentration, though with different distribution model.
- Wayflyer: Provides revenue-based financing and working capital to e-commerce and B2B brands, with strong presence in LatAm and Europe. Closely comparable business model of funding receivables/inventory for B2B merchants via embedded platform.
- Uncapped: Revenue-based financing platform providing working capital to e-commerce and SaaS businesses across Europe and emerging markets. Comparable embedded B2B financing model, though with different geographic focus.
- Clearco: Previously Clearbanc, provides revenue-based financing and working capital to e-commerce and B2B brands. Comparable embedded credit infrastructure for online merchants, with global ambitions overlapping Credix's emerging-market focus.
Regional players
- Stori Credit: Mexican fintech providing credit cards and credit products to underserved consumers and small businesses in Mexico. Comparable in regional focus and emerging-market credit thesis, though primarily consumer rather than B2B credit.
- Kueski: Mexican fintech offering online consumer credit and BNPL solutions, increasingly expanding into SMB lending. Comparable LatAm focus and digital-first underwriting approach, with growing B2B and SME exposure.
- Galicia Empresas: Argentina's digital bank providing working capital, credit lines, and embedded financing to SMEs. Comparable SME credit focus in a regional market, though focused on Argentina rather than Brazil/Mexico.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Credix social profiles
Digital presenceCredix financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credix leadership team
Management profileNumber of profiles
Profiles1 record
Credix funding detail
Funding detailFunding overview
Funding rounds6 records
Investors20 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credix M&A and investment
M&A and investmentM&A
Investments6 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Credix
What does Credix do?
Credix operates CrediPay, a B2B credit platform that enables brands and retailers to offer embedded financing to their business customers. The platform provides flexible installment plans with configurable 30/60/90-day terms, working capital solutions with next-day funding, and a seller dashboard for credit management. CrediPay integrates with existing tech stacks including VTEX e-commerce stores and Brazilian payment networks (boleto/PIX), with a 4-week deployment timeline.
Is Credix a public or private company?
Credix is a private company. It is classified as venture growth investor backed and is currently operating.
When was Credix founded?
Credix was founded in 2021. It employs 11 to 50 people.
Where is Credix based?
Credix is headquartered in Antwerp, Belgium, in the Europe region.
How does Credix make money?
Two revenue lines are on record. Credit Facilitation Fees are the primary driver. The others are platform/SaaS Fees.
Who are Credix's main competitors?
Broad incumbents on record are Stripe Capital and BTG Pactual Empresas. Direct peers are Tribal Credit, Kredito, Wayflyer, Uncapped and Clearco. Regional players are Stori Credit, Kueski and Galicia Empresas.
Does Credix have an API?
Yes. Native SDK/API for integrating CrediPay into existing tech stacks. Developer-friendly SDK with comprehensive API documentation. Developer documentation is at docs.credipay.credix.finance.
What industry is Credix in?
Credix's product category is B2B Credit Platform. Its primary akta.pro industry code is FSALADAG, Balance-Sheet / Portfolio CRE Lending, with a secondary code of FSANADAG, Real Estate Private Credit (CRE Debt). Its NAICS code is 522.