meutudo.

What meutudo. does

meutudo. is a Brazilian digital credit platform founded in 2017 and headquartered in Fortaleza, Ceará, that originates payroll-deducted loans (consignado) for INSS retirees and pensioners, formal CLT workers, and FGTS account holders. The company operates exclusively through digital channels — its mobile app (4.8 stars on both iOS and Android app stores with 120,000+ reviews each), website (meutudo.com.br), and native integrations into Brazilian government platforms including Meu INSS, CTPS Digital, FGTS App, Gov.br, and Dataprev — enabling biometric-verified, end-to-end self-service loan contracting without physical branches. All credit products are originated in partnership with Parati Financeira (Parati Crédito, Financiamento e Investimento S.A.), the regulated financial institution that provides the banking license and infrastructure; meutudo acts as a correspondent under Banco Central do Brasil Resolution 4,935/2021.

The product suite spans Consignado INSS (rates from 1.39% per month, terms up to 108 months), Consignado CLT/Crédito do Trabalhador (rates from 2.48%, terms up to 96 months), Antecipação Saque-Aniversário FGTS (1.79% per month), loan portability and refinancing, two consigned Visa Platinum credit cards, BPC/LOAS loans for disabled/elderly benefit recipients, and embedded income-protection insurance products administered by Icatu Seguros. The platform has served more than 20 million customers and originated over R$20 billion in cumulative credit (~USD 3.8 billion), reaching approximately R$2.5 billion per month in origination volume at the time of the BTG Pactual transaction.

Revenue is generated primarily through interest spread on originated loans, with BTG Pactual funding over 80% of credit origination via FIDC vehicles and Goldman Sachs having exited after a $405 million 2021 investment that provided R$2.1 billion in funding capacity. In February 2026, BTG Pactual acquired a 48% stake at a R$1 billion (~USD 193 million) valuation with an option for majority control, marking the company's transition from venture-backed growth stage to a controlled institutional fintech. The company employs 501–1000 staff and remains private.

Name

meutudo.

Legal name

TUDO Serviços S.A.

Website

https://meutudo.com.br

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

501–1,000 employees

Short description

meutudo. is a Brazilian digital credit platform that originates payroll-deducted (consignado) loans for INSS retirees, CLT workers, and FGTS holders via its mobile app and government-platform integrations, serving 20+ million customers as a Parati Financeira correspondent.

Ownership category

akta.pro rank

Product category

Consumer Digital Lending (Payroll-Deducted Credit)

NAICS

Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

akta.pro secondary industries

Correspondent Banking (Nostro/Vostro & Agent Services) (FSABAJAA), Specialty Consumer Loan Servicing & Collections (Subprime) (FSAKAOAJ), Subprime Installment Loans (Non-Prime Personal Loans) (FSAKAOAA)

Keywords

• Payroll-deducted loans
• Digital credit platform
• Consignado lending
• FGTS anticipation loans
• Consumer credit fintech

Headquarters

HQ city

Ceará

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Interest Income from Payroll-Deducted Loans: meutudo generates revenue primarily through interest income on consignado loans (INSS, CLT, FGTS). The company operates as a correspondent for Parati Financeira, originating loans and earning interest spread. Interest rates range from 1.39% to 2.48% per month depending on the product type.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

meutudo. is a 100% digital credit platform that originates payroll-deducted (consignado) loans and related credit products to Brazilian consumers through its mobile app and website. The company's core offerings include INSS consignado loans for retirees and pensioners, CLT consignado loans for formal workers, and FGTS saque-aniversário anticipation loans. It operates as a Banco Central-regulated correspondent institution in partnership with Parati Financeira, with all loan origination, contracting, and disbursement executed digitally without physical branches.

Product overview

meutudo. is a digital credit platform offering multiple payroll-deducted (consignado) loan products and financial services. The core products include: Consignado INSS for retirees and pensioners, Consignado CLT (Crédito do Trabalhador) for formal workers, and Antecipação Saque-Aniversário FGTS for FGTS-linked advances. The platform operates primarily through its mobile app and website, with credit offered in partnership with Parati Crédito, Financiamento e Investimento S.A. Additional services include loan portability and refinancing (for better rates and cash-back), consigned credit cards (Cartão Consignado and Cartão Benefício with Visa Platinum), income protection insurance products (administered by Icatu Seguros), debt analysis tools, and benefit tracking utilities. All services are available 24/7, fully digital with biometric verification, and emphasize transparency with no hidden fees.

Differentiator

Problem solved

Functional benefit

Products and services

• Empréstimo Consignado INSS Payroll-deducted loan for Brazilian INSS retirees and pensioners with interest rates starting at 1.39% per month, repayment terms up to 108 months, and automatic installment deduction directly from social security benefits. Available to beneficiaries including those with negative credit history.
• Empréstimo Consignado CLT (Crédito do Trabalhador) Payroll-deducted credit for Brazilian formal workers under the CLT labor regime where installments are automatically deducted from salary, with up to 35% of net salary as available margin and terms up to 96 months. Rates from 2.48% per month with no opening fee. Available via CTPS Digital without employer authorization.
• Antecipação Saque-Aniversário FGTS Advance loan against the annual FGTS withdrawal (saque-aniversário) with rates from 1.79% per month and CET maximum of 1.93% per month, allowing workers to receive up to 5 annual installments in advance via PIX. Minimum advance value R$50 with authorization processed through the official FGTS App.
• Portabilidade de Consignado (Loan Portability with Cashback) Loan portability service allowing customers to transfer existing consignado loans from other financial institutions to meutudo at lower rates starting at 1.39% per month, with cash-back (troco) ranging from R$50 to R$100+ upon transfer. Average customer savings of R$1,527.96.
• Refinanciamento de Empréstimo Consignado Loan renegotiation product for existing meutudo customers enabling contract term improvements, payment period extension, and additional cash ('troco') based on equity built up in the current loan.
• Cartão de Crédito Consignado Consigned credit card for INSS beneficiaries issued as Visa Platinum with up to R$2,500 limit, 1% cashback on PIX transactions, ability to convert limit to PIX, and rates starting at 2.46% per month with up to 84x installment terms and zero annual fee.
• Cartão Benefício Consignado Second consigned benefit card for INSS recipients with separate 5% margin allocation, offering up to R$2,500 limit, cashback rewards, and PIX conversion capabilities from the card limit.
• Empréstimo Consignado BPC/LOAS Consigned loan product for beneficiaries of BPC/LOAS (Benefício de Prestação Continuada), offering up to 35% margin of benefit value available for credit to a historically underserved segment.
• Seguro Renda CLT Income protection insurance for CLT workers with consignado loans, providing coverage for involuntary job loss, disability, or death. Administered by Icatu Seguros, Brazil's largest independent insurance company.
• Seguro Renda Protegida FGTS Income protection insurance for FGTS antecipação borrowers covering job loss, disability, or death with a single annual payment and claims administered by Icatu Seguros.
• Seguro de Vida Life insurance offering financial protection for the customer and their family, marketed as part of meutudo's broader protection suite alongside credit and income protection products.

Quantifiable outcome

• Interest rates from 1.39% per month for INSS loans vs 6.80% average for personal credit
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability3 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core and supporting.

• Parati Financeira (Parati Crédito, Financiamento e Investimento S.A.)coreStrategic or Co-development Partner · 1 January 2020Parati Financeira is the financial institution partner that enables meutudo's credit operations. meutudo acts as a correspondent, originating loans while Parati provides the banking infrastructure and regulatory framework. The partnership allows meutudo to offer consignado products under Parati's license, with Parati appearing as the creditor on loan contracts.
• Icatu SegurossupportingStrategic or Co-development PartnerIcatu Seguros is the insurance partner administering meutudo's income protection insurance products (Seguro Renda CLT and Seguro Renda Protegida FGTS). Icatu is Brazil's largest independent insurance company, providing coverage for job loss, disability, and death in the company's insurance offerings.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• C6 Bank: C6 Bank is a Brazilian digital bank owned by J Safra, offering personal loans, payroll-deducted loans, and consumer credit. It competes with meutudo for the same Brazilian CLT-worker and consumer credit market.
• Nubank: Nubank is Latin America's largest digital bank, offering personal loans, credit cards, and payroll-related products to Brazilian consumers. It serves overlapping customer segments with meutudo and is increasingly active in Brazilian consumer credit.

Direct peers

• BMG: BMG is a Brazilian commercial bank that has historically been one of the largest originators of consignado loans, including INSS, CLT and FGTS anticipation products. It is the closest direct competitor to meutudo in the payroll-deducted lending category in Brazil.
• Facta Financeira: Facta Financeira is a Brazilian financial institution that operates a digital platform focused on payroll-deducted loans (consignado) for INSS beneficiaries, public servants, and private workers, with a similar correspondent/distributor model as meutudo.
• Paraná Banco: Paraná Banco is a Brazilian commercial bank with a strong focus on payroll-deducted credit, including INSS and private sector consignado, as well as refinancing and portability products that directly overlap with meutudo's core offerings.
• Crefisa: Crefisa is a Brazilian consumer finance company specializing in personal loans including INSS consignado and FGTS antecipação, with strong physical and digital distribution channels serving low-income borrowers, directly comparable to meutudo's customer base.

Emerging players

• Z1 Bank: Z1 is a Brazilian digital bank targeting young consumers, including teens, with a focus on financial education and digital-first credit products. While younger in focus, it competes in the same broad Brazilian fintech-lending category and reaches the same younger CLT-worker demographic.
• PicPay: PicPay is a major Brazilian digital wallet and consumer credit platform that has been expanding into payroll-deducted and personal loan products, overlapping with meutudo on consumer credit distribution and digital origination in Brazil.
• Creditas: Creditas is a leading Brazilian consumer fintech offering secured and unsecured personal loans, home equity, and auto loans via a digital platform. It targets the same Brazilian middle-income borrowers as meutudo's CLT product line.

Others

• Icatu Seguros: Icatu Seguros is meutudo's insurance partner administering the Seguro Renda CLT and Seguro Renda Protegida products. It is included as an ecosystem participant given its product distribution relationship and adjacent financial-services positioning in Brazil.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/meutudoapp
• Facebookfacebook.com/meutudoapp
• LinkedInlinkedin.com/company/meutudo

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors6 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 meutudo.