UY3

What UY3 does

UY3 SOCIEDADE DE CRÉDITO DIRETO S.A. is a Brazilian licensed direct credit society (Sociedade de Crédito Direto, SCD) operating an API-first embedded finance and credit infrastructure platform. Founded in 2021 and headquartered in Vila Olímpia, São Paulo, the company serves fintechs, digital banks, banking correspondents, loan originators, and corporate clients that need credit lifecycle infrastructure without building it internally. The platform covers the full credit lifecycle from registration to funding, with modular products spanning electronic debt issuance (CCB, CDC, CCI, CCE, CPR), multi-creditor escrow accounts with automated payment splitting, Commercial Note (Nota Comercial) issuance with B3 registration, boleto (bank slip) collection with sub-20-minute return confirmations, a FGTS-aniversário payment wallet, and a digital private-sector payroll credit product (Crédito do Trabalhador / Consignado Privado CLT).

The underlying technology is a cloud-based, 100% API-integrated platform supporting modular amortization flows, multi-scribe and multi-creditor operations, and white-label deployment. A Credit Risk and Cyber Security suite provides KYC, PLD/AML compliance, anti-fraud, SCR (Brazilian credit bureau system) consultation, and risk scoring powered by access to over 200 data bureaus. UY3 maintains LGPD compliance, is a member of ABCD (Associação Brasileira de Crédito Digital), and operates both self-serve digital onboarding and enterprise white-label/API distribution channels.

UY3 monetizes primarily through transaction-based fees on debt issuance, escrow management, boleto processing, credit risk services, and white-label embedded finance deployments, under a quote-based B2B model with no publicly disclosed pricing. In 2025 the platform processed more than $2.79 billion in transactions. The company has raised approximately $46.3 million across two rounds in 2025 and 2026, including a $37.2 million Series C in January 2026 led by Vinci Compass with participation from Kaszek and Insight Partners.

Name

UY3

Legal name

UY3 SOCIEDADE DE CRÉDITO DIRETO S.A.

Website

https://uy3.com.br

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

UY3 SOCIEDADE DE CRÉDITO DIRETO S.A. is a Brazilian licensed direct credit society (SCD) offering an API-first embedded finance and credit infrastructure platform for fintechs, digital banks, banking correspondents, and corporates, covering debt issuance, escrow, collection, credit risk, and payment products including FGTS and private payroll credit.

Ownership category

akta.pro rank

Product category

Credit Infrastructure Platform

NAICS

Nondepository Credit Intermediation (5222), Other Activities Related to Credit Intermediation (522390)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

akta.pro secondary industries

Trade Finance & Supply Chain Finance Platforms (FSAGAJAL), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Embedded credit infrastructure
• Debt issuance platform
• Credit risk services
• Escrow account management
• Direct credit society

Headquarters

HQ city

Vila Olímpia

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, Others

Revenue model

1. Credit Infrastructure Transaction Fees: UY3 generates revenue by charging fees for credit lifecycle transactions processed through its platform, including debt issuance, escrow account management, boleto processing, and credit risk services. The platform supports the full credit lifecycle from registration to funding, monetizing each transaction stage.
2. Embedded Finance Platform Fees: UY3 offers embedded finance solutions including debt issuance, escrow accounts, and collection services on a fee-per-transaction basis, monetizing through automation and API-driven processing of financial operations.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

UY3 is a Brazilian Sociedade de Crédito Direto (SCD) that operates an API-first credit infrastructure platform connecting fintechs, banking correspondents, loan originators, and corporates to Brazilian capital markets. Its offering covers the full credit lifecycle — debt issuance (CCB, CDC, CCI, CCE, CPR), multi-creditor escrow accounts, Nota Comercial with B3 registration, FGTS-backed payment wallet, boleto/collection management, credit risk decisioning, and Crédito do Trabalhador — delivered via APIs or as a 100% white-label embedded finance solution.

Product overview

UY3 is a Brazilian embedded finance and credit intelligence platform providing a unified platform architecture with modular services. The core UY3 Platform connects fintechs, banking correspondents, and loan originators to capital markets, while individual modules cover debt issuance (Emissão de Dívida), escrow accounts (Conta Escrow), commercial notes (Nota Comercial), FGTS payment solutions (FGTS Pag), collection and ticketing (Cobrança e Boletos), credit risk and cybersecurity (Credit Risk e Cyber Security), and worker credit (Crédito do Trabalhador). The platform supports full API integration for fintech and corporate clients with modular amortization flows and multi-creditor capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• UY3 Platform Central digital credit infrastructure platform that connects fintechs, banking correspondents, and loan originators to Brazilian capital markets through APIs, supporting the full credit lifecycle from registration to funding. Operated under UY3's SCD license.
• Emissão de Dívida (Debt Issuance)

Quantifiable outcome

• UY3 processed over $2.79 billion in transactions on its platform in 2025, demonstrating significant operational scale and platform adoption.

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature7 records

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Pomelo: Pomelo is a LatAm-based fintech infrastructure platform providing issuing, banking-as-a-service, and credit APIs to fintechs and corporates across the region. It is a direct peer to UY3 given the overlapping B2B credit-infrastructure and embedded-finance focus.
• Dock: Dock is a Brazilian payments and digital banking infrastructure provider offering card issuance, acquiring, and credit solutions to banks, fintechs, and retailers. It is a direct peer to UY3's credit-infrastructure platform serving similar fintech and corporate customers.
• Pismo: Pismo (acquired by Visa) provides cloud-based banking and payments infrastructure for issuing, accounts, and transactions across LatAm and globally. It is comparable to UY3 as a B2B fintech infrastructure platform serving banks and fintechs in Brazil.
• Celcoin: Celcoin is a Brazilian fintech infrastructure platform providing APIs for payments, banking, credit, and collection services to fintechs and corporates. It is a direct peer to UY3 given its overlapping Brazilian credit-infrastructure API offering.
• Conta Simples: Conta Simples is a Brazilian B2B financial platform offering corporate accounts, payments, and embedded credit products to SMEs and fintechs. It is a direct peer to UY3 in the embedded credit infrastructure space targeting Brazilian SMBs.

Emerging players

• Quanto: Quanto is a Brazilian credit-as-a-service platform enabling fintechs and retailers to originate and manage consumer credit via APIs. It is an emerging player comparable to UY3's debt issuance and credit lifecycle modules, though narrower in product breadth.
• Koin (formerly EBANX Pay): Koin is a Brazilian fintech providing embedded payment and credit solutions for ecommerce and retail. It is an emerging player comparable to UY3's FGTS-linked payment and embedded credit offerings for Brazilian merchants.
• idwall: idwall is a Brazilian identity verification and KYC/AML platform providing data and risk infrastructure for fintechs and lenders. It is an emerging player comparable to UY3's Credit Risk & Cyber Security module offering KYC, AML, and risk scoring via bureau integrations.

Broad incumbents

• Iugu: Iugu (Stone-owned) is a Brazilian billing, payments, and financial automation platform with embedded credit features. It is a broad incumbent in Brazilian fintech infrastructure, overlapping with UY3's boleto, collection, and credit-adjacent modules.
• Banco BMG: Banco BMG is a Brazilian bank specialized in payroll-deductible credit and consumer lending, including FGTS-backed products. It is a broad incumbent overlapping with UY3's Crédito do Trabalhador and FGTS Pag modules.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@uy3343
• Facebookfacebook.com/uy3.com.br
• Instagraminstagram.com/uy3.com.br
• LinkedInlinkedin.com/company/uy3

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors3 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 UY3