Stay

Name

Stay

Legal name

Stay Technologies Ltda.

Website

https://stay.com.br

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Stay is a Brazilian corporate financial benefits platform integrating private pension, group life insurance, financial health monitoring, and executive long-term incentive plans, delivered via WhatsApp to enterprise clients and their employees.

Ownership category

akta.pro rank

Product category

Employee Benefits Administration

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Benefits Administration (BPACAPAC)

akta.pro secondary industry

Eligibility, Enrollment & Benefits Administration (HLAEALAH)

Keywords

• Corporate pension plans
• Employee benefits platform
• Group life insurance
• Long-term incentives
• Financial wellness benefits

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Corporate pension plan administration and matching contributions: Stay earns revenue by structuring and administering private pension (previdência privada) plans for corporate clients. Employers contribute matching funds (match) to employee pension plans, generating administrative fees. Plans can also be offered as averbado (employee-only contribution via payroll deduction) with the company as facilitator.
2. Group life insurance (seguro de vida coletivo): Stay provides group life insurance plans integrated with the pension offering, bundled as part of the overall employee benefits platform.
3. Executive compensation and ILP (Incentivos de Longo Prazo): Stay designs and administers long-term incentive plans for executive compensation, including equity-like instruments and deferred compensation structures.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Stay is a WhatsApp-first digital platform that administers corporate employee benefits for Brazilian enterprises, bundling private pension plans (previdência privada), group life insurance (seguro de vida coletivo), financial health programs, and executive long-term incentive (ILP) plans into a single integrated offering. The platform handles end-to-end plan implementation and ongoing engagement, delivering onboarding, contributions, balance inquiries, and benefit support to employees via WhatsApp without requiring an app download. Revenue is generated through recurring subscription-style fees for plan administration and employer matching contributions, customized per client based on headcount, contribution levels, and plan configuration.

Product overview

Stay is a unified corporate financial benefits platform that integrates four core products: Private Pension (Previdência Privada), Group Life Insurance (Seguro de Vida Coletivo), Financial Health (Saúde Financeira), and Executive Compensation & Long-Term Incentives (Remuneração Executiva & ILP). All services are delivered through a 100% digital platform with WhatsApp as the primary employee interaction channel, enabling real-time financial monitoring and management without requiring app installation. The platform is designed to work as an integrated suite where pension, insurance, and financial health services share data and user experience, with the stated goal of increasing employee retention and reducing corporate costs.

Differentiator

Problem solved

Functional benefit

Products and services

• Previdência Privada (Private Pension) Corporate private pension plan (previdência privada) that creates a modern, flexible long-term incentive strategy for employees and generates approximately 40% cost savings for the company versus traditional salary compensation. Supports employer matching contributions (match) and averbado (employee-only contribution via payroll deduction) structures, with onboarding and ongoing management delivered through WhatsApp.
• Seguro de Vida Coletivo (Group Life Insurance) Group life insurance (seguro de vida coletivo) with high employee awareness and engagement, delivered through WhatsApp for balance inquiry, contribution adjustments, redemption requests, and coverage consultation. Designed to reposition insurance from an undifferentiated cost into a tangible, valued employee benefit.
• Saúde Financeira (Financial Health) Financial health platform providing NR-1 regulatory compliance, employee financial check-ups, and actionable data insights for HR teams and leadership to monitor and improve employee financial wellness. Bundled into Stay's overall benefits offering.
• Remuneração Executiva & ILP (Executive Compensation & Long-Term Incentives) Strategic long-term incentive (ILP) plans designed by specialists to attract and retain executive talent, with customizable vesting schedules, cliff periods, and matching schemes tailored to company retention objectives. Includes equity-like instruments and deferred compensation structures.
• Financial Simulator Interactive web calculator allowing companies to estimate savings from Stay's pension plans and enabling employees to simulate retirement contributions and projected returns based on salary, contribution percentage, and retirement age.

Quantifiable outcome

• Up to 40% cost savings for companies compared to equivalent salary compensation
• +3 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

One partnership is on record.

• ZurichcoreTechnology or IntegrationStay partners with Zurich, one of the largest global insurers, to provide private pension plans. Zurich serves as the underlying insurance carrier for the pension products offered through Stay's platform, combining Zurich's financial strength and regulatory standing with Stay's digital distribution and employee engagement capabilities.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Flash: Flash is a Brazilian employee benefits app offering flexible benefits via a multi-category card for corporate clients. Comparable to Stay as a digital corporate benefits platform targeting Brazilian employers with app-based engagement.
• Z1: Z1 is a Brazilian digital pension and personal finance platform (now Banco Z1) targeting young Brazilians. Comparable to Stay because it operates in the Brazilian private pension space with a digital-first, mobile-native experience aimed at long-term savings behavior.
• Caju: Caju is a Brazilian corporate benefits multi-category card (food, transportation, culture, health) used by employers. Comparable to Stay as a digital-first benefits platform serving Brazilian enterprises, though Caju is broader in category scope and does not focus on pension.
• Guideline: Guideline is a US-based 401(k) and retirement plan platform for small and mid-sized employers. Comparable to Stay as a tech-driven, employer-sponsored retirement benefits administrator with bundled service delivery and an emphasis on ease of use.
• Vérios: Vérios is a Brazilian fintech that sells group life insurance and financial benefits to corporate clients via a digital platform. Highly comparable to Stay because both bundle insurance, pension-like products, and benefits for Brazilian employers.
• Human Interest: Human Interest is a US-based 401(k) and retirement benefits platform for employers. Comparable to Stay as a digital-first, employer-sponsored long-term savings/benefits platform, providing a US analogue for the corporate pension space Stay targets in Brazil.

Emerging players

• Pipo Saúde: Pipo Saúde is a Brazilian health-benefits startup offering employer-sponsored health plans via a digital platform. Comparable to Stay as a digital-native corporate benefits startup in Brazil, though it focuses on health rather than pension/life.

Broad incumbents

• Bradesco Seguros: Bradesco Seguros is the insurance arm of Banco Bradesco and one of Brazil's largest insurance groups, including life and pension products. Comparable as a dominant incumbent in Brazilian group life and private pension that could launch competing digital-first offerings.
• Wellhub: Wellhub (formerly Gympass) is a global corporate wellness platform with strong Brazilian presence. Comparable as a corporate benefits/wellness platform selling to enterprise HR teams in Brazil, though its core offering is fitness rather than pension/insurance.
• Sodexo Brasil (Pluxee): Sodexo's Brazilian benefits business (now spun off as Pluxee) is a large incumbent in meal vouchers, food cards, and broader corporate benefits. Comparable as a major incumbent competing for the same corporate benefits wallet in Brazil, though its category mix and distribution are broader than Stay's pension focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/seja-stay

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 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 Stay