Trio Group

What Trio Group does

Trio Grupo Financeiro is a privately held Brazilian financial group headquartered in Curitiba, operating as an authorized Payment Institution under Banco Central do Brasil (code 619) with the maximum Grade A stability rating. Founded in 2020 and structured across three wholly owned subsidiaries—Trio Instituição de Pagamento Ltda, Trio Tecnologia Ltda, and Trio Intermediações Ltda—the group offers an integrated B2B financial infrastructure platform targeting mid-market and enterprise companies in Brazil. Its product suite spans a multi-CNPJ operational account (Conta Inteligente), high-volume payment infrastructure (Pix Direto, BolePix Nativo, batch processing of Pix/TED/boleto/tax payments), billing and receivables (Cobranças with Pix Automático; Recebíveis via FIDC and structured operations), corporate cards, structured credit (working capital, receivables anticipation, Risco Sacado supply chain finance), consultive treasury management (Investimentos with offshore access), and FinOps tools including the Transaction DNA reconciliation engine. Reported 2025 metrics include R$72 billion in payment volume processed, 400+ million transactions, 99.9% uptime, and 0.001% ticket rate, validated across 150+ high-volume operations.

The underlying platform is API-first with comprehensive public developer documentation (docs.trio.com.br), ERP integration via External ID reconciliation, and analytics infrastructure powered by ClickHouse Cloud, which reduced storage costs by 88% while enabling real-time, unified payment analytics. Proprietary technical components include Pix Direto for direct high-volume instant payment initiation, BolePix Nativo for hybrid boleto/Pix settlement, multi-entity management with approval hierarchies, and click-to-batch processing of over 1,000 payments in 2 seconds. Compliance posture is anchored by BACEN authorization, an ABFIN seal, ISO 27001-aligned information security policy (BCB Resolution 85), LGPD and Lei Complementar 105/2001 (banking secrecy) compliance, formal AML/CFT program (BACEN Circular 3,978 / BCB Resolution 119), and an ongoing CVM habilitation for the asset management subsidiary Trio Gestão de Recursos Ltda. AI/ML capabilities center on anomaly detection (fraud and AML), process automation, recommendation engines for personalized products, and facial biometrics for KYC.

The business model combines transaction fees on payment processing (primary revenue stream from R$72B processed volume), interest and fees on structured credit facilities, recurring subscription revenue from corporate cards and FinOps tools, and transaction fees from international payment facilitation (eFX) through authorized partners. Go-to-market is dual-motion: self-serve API onboarding and signup portal for mid-market customers, paired with dedicated enterprise field sales capturing CNPJ, product interest, and channel attribution for high-volume accounts. Pricing is quote-based with multi-year contracts negotiated against transaction volume, entity count, and product module mix; no public pricing tiers are disclosed. Customer logos include Linx, Team.rc, Esporte da Sorte, BRAZA, Pitzi, and GiroTech, spanning retail technology, financial services, gaming/betting, and commerce verticals. Distribution is concentrated in Brazil with new international (USD/EUR) payment rails extending reach. To date, disclosed capital formation consists of a single early-stage round ($1.5M in December 2022), with regulatory progress, product breadth, and payment volume growth indicating a financially scaling operation that has not required significant follow-on venture financing.

Name

Trio Group

Legal name

Trio Instituição de Pagamento Ltda

Website

https://trio.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

101–250 employees

Short description

Trio Grupo Financeiro is a Brazilian Banco Central-authorized payment institution (code 619) offering an integrated B2B financial infrastructure platform—multi-CNPJ accounts, high-volume Pix/boleto payments, billing, corporate cards, structured credit, treasury management, and FinOps tools—for mid-market and enterprise companies.

Ownership category

akta.pro rank

Product category

Payment Infrastructure & B2B Fintech

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

A2A Collections & Direct Account Funding (FSAMAFAH)

akta.pro secondary industry

Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ)

Keywords

• B2B payment infrastructure
• Pix instant payments
• Corporate banking platform
• Batch payment processing
• Treasury management software

Headquarters

HQ city

Curitiba

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, Infrastructure, Marketing or Sales, Supply Chain, Others

Revenue model

1. Payment Infrastructure Services: Revenue generated from payment processing infrastructure including Pix, batch payments, boleto, and TED transactions. Fees likely structured per transaction volume or as a percentage of processed payments, serving as the core revenue stream for the financial group.
2. Corporate Credit Solutions: Structured credit products including working capital loans, receivables anticipation, and supplier payment acceleration (Risco Sacado) with escrow and guarantee mechanisms. Revenue generated through interest rates and credit facility fees.
3. Corporate Card Fees: Corporate card issuance and management services with multiple cards per team/project, international payment capabilities, and automatic reconciliation. Annual fees or transaction fees on card usage.
4. FinOps Tools: Financial operations tools including batch payment management, approval hierarchy controls, and intelligent reporting for treasury management. Revenue from service fees for advanced financial operations features.
5. International Payment Facilitation (eFX): Foreign exchange and international payment facilitation services via authorized partner institutions, processing transactions in USD and EUR for Brazilian businesses receiving international payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Trio provides an API-first B2B financial infrastructure platform for Brazilian mid-market and enterprise companies, combining a multi-CNPJ business account, high-volume Pix and batch payment processing, receivables and billing infrastructure, corporate cards, structured credit, and treasury/investment management on a single integrated stack. The platform is authorized by Banco Central do Brasil as a payment institution (code 619) with Grade A classification and processes over R$72 billion in annual payment volume for 150+ high-volume operations.

Product overview

Trio Grupo Financeiro is a complete financial services group operating under Trio Instituição de Pagamento Ltda (BACEN authorization 619), offering an integrated platform composed of multiple modules: the Conta Inteligente (smart business account) for multi-entity management and batch payments; Pagamentos for high-volume instant payment infrastructure including Pix Direto and native BolePix; Cobranças for high-volume billing and recurring collections; Recebíveis for transforming receivables into cash via structured operations and FIDC; Cartão Corporativo for multi-card corporate expense management; Crédito Estruturado encompassing working capital, receivables advance, and supply chain finance; Investimentos for consultive treasury management and offshore asset access; and Ferramentas Financeiras (FinOps) providing Transaction DNA reconciliation and batch payment management. These products share a unified API-based platform with proprietary infrastructure rated Class A by the Central Bank of Brazil, supporting ERP integration and real-time dashboards.

Differentiator

Problem solved

Functional benefit

Brands

• Trio IP: Payment institution certified by Banco Central do Brasil (bank number 619), operating as electronic money issuer, payment initiation, and accreditation services.

Products and services

• Conta Inteligente (Smart Business Account) Multi-CNPJ operational business account enabling centralized management of multiple legal entities with approval hierarchies, batch payment initiation, tax payment functionality, and 360-degree dashboards for financial oversight. Designed for mid-market and enterprise Brazilian companies with multiple subsidiaries.
• Pagamentos (Payments Infrastructure) Proprietary high-volume payment infrastructure supporting Pix Direto, native BolePix, plug-and-play checkout, TED, boleto, and tax payments in single batch operations. Targets enterprises and mid-market companies requiring high-volume instant payment processing at scale with Banco Central Grade A stability.
• Cobranças (Billing and Collections) High-volume billing technology for issuing boletos, recurring payment schedules, and Pix Automático, enabling scalable receivables collection for Brazilian companies.
• Recebíveis (Receivables Management) Receivables management solution that converts receivables into immediate cash via structured operations, FIDC (investment funds in receivables), and advance-on-receivables facilities. Designed for Brazilian companies needing working-capital acceleration from their invoice and receivables base.
• Cartão Corporativo (Corporate Card) Corporate card solution with multi-card issuance per team or project, automatic reconciliation to the primary account, expense separation by cost center, and international payment flexibility. Targets mid-market and enterprise Brazilian companies managing multi-team corporate expenses.
• Crédito Estruturado (Structured Credit) Structured credit offerings including working capital, receivables advance, and supplier chain finance (Risco Sacado) with escrow and guarantee mechanisms. Provides working-capital liquidity to Brazilian companies without traditional banking constraints.
• Investimentos (Treasury Management) Consultive treasury management service providing cash-flow optimization and access to offshore assets for Brazilian corporates. Operates under Trio Gestão de Recursos Ltda, a CVM-regulated resource manager (in habilitation).
• Ferramentas Financeiras (FinOps) Financial operations tooling suite including Transaction DNA reconciliation via External ID, batch payment management for payroll and supplier payouts, approval-hierarchy governance with conditional access (view, move funds, approve). Targets finance and treasury teams at mid-market and enterprise Brazilian companies.

Quantifiable outcome

• R$ 72 billion processed in 2025
• +6 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature8 records

Partnerships

Four partnerships are on record, tiered core.

• ClickHousecoreTechnology or IntegrationClickHouse Cloud powers Trio's analytics infrastructure, enabling unified payment analytics across high-volume transactions. The partnership resulted in 88% storage reduction and 'generational leap' in data processing capabilities, directly supporting Trio's competitive advantage in analytics-driven financial services.
• Banco Central do BrasilcoreStrategic or Co-development PartnerTrio operates as an authorized Payment Institution (code 619) under Banco Central do Brasil regulation. This authorization is fundamental to Trio's ability to offer electronic money issuance, payment initiation, and merchant acquiring services in Brazil. The regulatory relationship includes Grade A security rating and ongoing compliance oversight.
• Partner Financial Institutions (ITP)coreTechnology or IntegrationNetwork of financial institutions authorized by Banco Central for payment initiation (ITP - Iniciador de Transações de Pagamento) that serve as intermediaries for Pix transactions and payment settlement. Trio utilizes these partners to deliver complete payment infrastructure to clients.
• Foreign Exchange Partner (eFX)coreTechnology or IntegrationAuthorized financial institution partner for processing international currency exchange (câmbio) transactions and international money transfers in USD and EUR, enabling Trio's international payment facilitation services (eFX) under ACAM 220 regulations.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• EBANX: EBANX is a Brazilian-origin cross-border payments platform serving global merchants and businesses needing LATAM payouts and collection. Comparable to Trio's eFX/cross-border partner-mediated international payments, plus B2B payment facilitation, though more cross-border focused.
• Stone Co: Stone is a leading Brazilian payments and banking platform serving SMBs and enterprises with acquiring, accounts, credit, and software. Broad incumbent overlapping on enterprise Pix-heavy volumes, B2B accounts, and credit, with significantly larger capitalization and public listing.
• PagBank (PagSeguro): PagBank/PagSeguro is a large Brazilian payments and digital banking incumbent with broad SMB and merchant coverage. A broader incumbent that overlaps with Trio's payments and B2B account surface, but at much larger scale and with deeper consumer/SMB exposure.
• Banco Inter: Banco Inter is one of Brazil's largest digital-first banks, offering accounts, payments, credit, and investments for both consumers and businesses. Functions as a broad incumbent with overlapping B2B account and payment capabilities, but at materially larger scale and with a full banking license.

Direct peers

• Asaas: Asaas is a Brazilian payment and receivables platform targeting SMBs and mid-market with accounts, Pix, boletos, recurring billing, and receivables anticipation. Directly comparable to Trio on the Cobran\u00e7as, Receb\u00edveis, and Conta PJ product surface for Brazilian B2B customers.
• Dock: Dock is a Brazilian payment processor and banking-as-a-service provider offering payment initiation, account issuance, and processing infrastructure to enterprises and fintechs. Direct peer on the payment infrastructure / processing layer where Trio competes for issuer and acquirer relationships.
• Cora: Cora is a Brazil-based B2B digital bank/account for SMEs and mid-market companies. Closest direct peer to Trio: both target Brazilian pessoa jur\u00eddica customers with combined business accounts, Pix-based payments, cards, and credit — making Cora the most comparable competitor for the same ICP.
• Conta Simples: Conta Simples is a Brazilian B2B banking and payments platform for SMEs and mid-market, offering multi-CNPJ accounts, Pix, boletos, batch payments, and corporate cards. Operates in the same ICP and product surface as Trio, with a similar horizontal B2B fintech positioning.
• Pismo: Pismo (now part of Mastercard) is a payment processing and core banking platform providing cloud-based issuing, accounts, and payment infrastructure via APIs. Comparable to Trio on the API-first payment-and-account infrastructure layer, especially across Latin America.

Regional players

• Pomelo: Pomelo is a Latin American fintech-as-a-service / banking infrastructure provider offering cards, accounts, and payment processing across multiple LATAM countries. Regional peer operating on a similar API-first B2B infrastructure stack, with broader geographic reach but lighter Brazil presence than Trio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/trio
• YouTubeyoutube.com/@trio
• LinkedInlinkedin.com/company/trio
• Instagraminstagram.com/trio

Compliance17 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds1 record

Investors

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 Trio Group