Dinie
Dinie is a Brazilian embedded lending fintech that provides API-first revolving credit, BNPL, and business credit card products to MSMEs through partnerships with B2B platforms such as iFood, Rappi, MarketUP, and Thomson Reuters/PayTech.
- Company typePrivate
- Founded2020
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Dinie does
Dinie is a Brazilian embedded lending fintech that operates as a correspondent bancário regulated by Banco Central do Brasil under Resolutions 3.954/2011 and 4.935/2021. The company provides an API-first credit infrastructure that enables B2B platforms — including iFood, Rappi, MarketUP, Agenda Boa, and Thomson Reuters/PayTech — to offer credit products to their merchant and SME customers without becoming licensed financial institutions. Partners can integrate via a no-code pathway for rapid white-label deployment or through a full API for deeper control over the credit flow.
Dinie's core product is a revolving credit limit (Limite de Crédito Rotativo) of up to R$100,000, delivered via PIX within roughly an hour of approval, supplemented by BNPL and Cartão PJ (business credit card) products. Underlying the offering are proprietary, partner-customized credit scoring and risk models that ingest real-time platform transaction data (e.g., weekly sales volumes from iFood or Rappi) to underwrite thin-file MSMEs that traditional banks reject. Partner-specific cobranded products such as Repasse Turbinado (iFood), Rappi Turbinado (Rappi), Crédito+ (MarketUP), and Agenda Turbo (Agenda Boa) drive weekly recurring credit offers tied to merchant sales.
Dinie's business model is anchored on interest income from credit extended to MSMEs, with personalized rates starting at 5.99% and no opening or maintenance fees, complemented by platform partnership monetization through transaction-based fees and referral economics. The company supplements this with USD 20 million of debt financing capacity from Empírica Investimentos, enabling on-balance-sheet origination alongside distribution via partner financial institutions Banco Afinz S.A. and Money Plus Sociedade de Crédito ao Microempreendedor. Founded in 2019 and headquartered in São Paulo with a Berlin corporate parent (Seven Technologies GmbH), Dinie operates a 100% digital, self-serve GTM motion and has raised a USD 3.8M seed round led by Accion Venture Lab and K50 Ventures, with a strategic stake subsequently acquired by Paytm.
Dinie firmographics
Firmographics- Name
- Dinie
- Legal name
- DINIE CORRESPONDENTE BANCÁRIO E MEIOS DE PAGAMENTOS LTDA
- Website
- https://dinie.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Dinie is a Brazilian embedded lending fintech that provides API-first revolving credit, BNPL, and business credit card products to MSMEs through partnerships with B2B platforms such as iFood, Rappi, MarketUP, and Thomson Reuters/PayTech.
- Ownership category
- akta.pro rank
Dinie industry classification
Industry- Product category
- Embedded Lending / B2B Credit Infrastructure
- NAICS
- Credit Card Issuing (522210)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Digital Identity, eKYC & Borrower Verification (Lending-Focused) (FSAGAHAF)
- akta.pro secondary industries
- Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), BNPL Card / Virtual Card Programs (FSAKACAC)
Keywords
Where Dinie is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Dinie business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Interest Income on Credit: Dinie generates revenue primarily through interest charged on credit extended to MSMEs. Interest rates are personalized based on credit risk assessment, starting from 5.99% for qualified borrowers, with rates potentially higher for new customers who then receive better rates as they demonstrate good payment behavior.
- Platform Partnership Fees: Revenue generated through partnerships with platforms where Dinie provides embedded credit infrastructure. Partners can monetize their customer base by offering credit products, generating additional revenue streams for both Dinie and platform partners.
- Debt Financing Capacity: Dinie has secured USD 20 million in debt financing capacity in partnership with Empírica Investimentos to fund credit operations, demonstrating access to capital markets for lending activities.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Revolving credit limit from R$100 to R$100,000 |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels4 records
Dinie product offering
Product offeringCore offering
Dinie is an API-first embedded lending platform operating as a banking correspondent regulated by Banco Central do Brasil. It provides B2B platforms with complete credit infrastructure, including revolving credit limits, BNPL, and business credit cards (Cartão PJ), distributed through no-code or full API integration. Dinie supplies end-to-end credit origination with proprietary scoring models, fraud/KYC analysis, contract formalization, servicing, collections, and capital market integration, enabling partner platforms to offer embedded credit to their MSME merchant base.
Product overview
Dinie is an embedded finance platform operating as a banking correspondent in Brazil, offering a complete credit infrastructure for B2B platforms. The core product is a revolving credit limit (Limite de Crédito Rotativo) with BNPL and business credit card (Cartão PJ) features. Dinie distributes credit through embedded partnerships with major platforms including iFood (Repasse Turbinado), Rappi (Rappi Turbinado), MarketUP (Crédito+), Agenda Boa (Agenda Turbo), PayTech, and Thomson Reuters. Partners can integrate via no-code partnership or full API access. The platform provides end-to-end services including credit origination with customized scoring models, fraud and KYC analysis, contract formalization, loan servicing, and collection management.
Differentiator
Problem solved
Functional benefit
Brands
- Repasse Turbinado: Weekly credit product for iFood partners that allows businesses to access up to 20% of their weekly sales as advance credit
- Rappi Turbinado
- Agenda Turbo
- MarketUP Crédito+
- Dinie + PayTech
- Dinie Credit Account
Products and services
- Limite de Crédito Rotativo (Revolving Credit Limit) Dinie's primary revolving credit product for small and medium businesses, offering flexible capital access from R$100 to R$100,000, with interest charged only on utilized amounts. Funds are available via PIX transfer within 1 hour of approval, with no opening or maintenance fees.
- Buy Now Pay Later (BNPL) Embedded B2B BNPL solution allowing businesses to defer payments while Dinie provides immediate capital to merchants through partner platforms.
- Cartão PJ (Business Credit Card) Business credit card product for small and medium enterprises, part of Dinie's payment and credit offerings distributed through partner platforms.
- Repasse Turbinado (iFood) Exclusive weekly credit product for iFood restaurant partners, allowing businesses to access up to 20% of their weekly net sales as advance credit, with automatic repayment deduction from the iFood digital account.
- Rappi Turbinado Weekly credit product for Rappi restaurant partners offering turbocharged credit based on weekly sales volume with recurring weekly offers and repayment via boleto or PIX.
- MarketUP Crédito+ Weekly credit offering for MarketUP business management software users, with credit limits up to R$100,000 and interest rates starting from 5.99%, calculated based on sales history and renewed weekly.
- Agenda Turbo Weekly revolving credit limit for Agenda Boa beauty salon platform partners, offering recurring credit based on weekly sales with 30-day repayment terms.
- Dinie + PayTech Credit Flexible credit line for PayTech restaurant partners (also offered via Thomson Reuters partnership) with 60-day maturity after withdrawal and monthly withdrawal capability.
- No-Code Partnership Integration Partner onboarding offering allowing B2B platforms to embed and offer Dinie credit products under their own brand within days, without requiring technology development or API integration effort.
- Full API Integration Complete API access providing partners full control over the credit flow integration within their platform ecosystem, enabling custom embedded credit experiences.
- Conta de Crédito Dinie (Dinie Credit Account) Digital credit account allowing borrower companies to manage their credit limits, pay bills, transfer funds, and track repayments through the Dinie platform.
Quantifiable outcome
- 6x sales increase reported by customer using credit for marketing campaigns
- +4 more outcomes
Companies that use Dinie
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
Dinie technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability2 records
Feature4 records
Dinie partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and supporting.
- iFoodcoreMajor Brazilian food delivery platform partnership offering 'Repasse Turbinado' credit product. iFood restaurant partners can access Dinie credit with automatic payment deduction from their iFood digital account. Dinie credit limit can reach up to 20% of weekly net sales from iFood.
- RappicorePartnership offering 'Rappi Turbinado' credit product for Rappi restaurant partners. Weekly credit offers based on Rappi sales volume, with repayment via boleto or PIX.
- MarketUPcorePartnership offering 'Crédito+' product for MarketUP business management software users. Weekly credit offers with up to R$100,000 limits and interest rates starting from 5.99%.
- Agenda BoasupportingPartnership offering 'Agenda Turbo' credit product for Agenda Boa scheduling platform users. Weekly credit offers with 30-day repayment terms.
- Thomson Reuters (PayTech)supportingPartnership offering credit through Thomson Reuters/PayTech platform with 60-day repayment terms and personalized credit conditions based on financial history.
- dLocalsupportingStrategic partnership announced in press coverage where dLocal, a Uruguay-based unicorn payment company, partnered with Dinie to help Brazilian SMEs access financing through Dinie's embedded lending platform.
- Seven Technologies GmbHcoreParent company based in Berlin that holds the Dinie trademark and copyright. Operating since 2020.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Dinie competitors and assessment
Company assessmentDirect peers
- Cora: Brazilian SMB-focused neobank offering business accounts, payments, and embedded credit products to small businesses — directly comparable to Dinie's B2B MSME credit offering in the same geography.
- Kanastra: Brazilian fintech providing embedded credit/BNPL infrastructure for B2B platforms, with similar capital markets integration and correspondent-style origination — a direct comparable in the embedded lending space.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Dinie social profiles
Digital presenceDinie compliance and trust
Trust signalCompliance3 records
Dinie financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dinie leadership team
Management profileNumber of profiles
Profiles3 records
Dinie funding detail
Funding detailFunding overview
Funding rounds4 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dinie 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 Dinie
What does Dinie do?
Dinie is an API-first embedded lending platform operating as a banking correspondent regulated by Banco Central do Brasil. It provides B2B platforms with complete credit infrastructure, including revolving credit limits, BNPL, and business credit cards (Cartão PJ), distributed through no-code or full API integration. Dinie supplies end-to-end credit origination with proprietary scoring models, fraud/KYC analysis, contract formalization, servicing, collections, and capital market integration, enabling partner platforms to offer embedded credit to their MSME merchant base.
Is Dinie a public or private company?
Dinie is a private company. It is classified as venture growth investor backed and is currently operating.
When was Dinie founded?
Dinie was founded in 2020. It employs 11 to 50 people.
Where is Dinie based?
Dinie is headquartered in São Paulo, Brazil, in the Latin America region.
How does Dinie make money?
Three revenue lines are on record. Interest Income on Credit is the primary driver. The others are platform Partnership Fees and debt Financing Capacity.
Who are Dinie's main competitors?
Direct peers on record are Cora and Kanastra.
Does Dinie have an API?
Yes. Dinie offers a full API integration for partners, providing complete access to their credit services. Partners can integrate Dinie's embedded credit infrastructure into their platforms via API, gaining full control over the credit flow within their own platform. The platform also supports no-code partnership integration, allowing partners to offer credit in just a few days without technology development efforts.
What industry is Dinie in?
Dinie's product category is Embedded Lending / B2B Credit Infrastructure. Its primary akta.pro industry code is FSAGAHAF, Digital Identity, eKYC & Borrower Verification (Lending-Focused), with a secondary code of FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing). Its NAICS code is 522210 and its SIC code is 6153.