Name

Base39

Legal name

BASE39 LTDA

Website

https://base39.com.br

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

AI Credit Risk Analytics Software

NAICS

Activities Related to Credit Intermediation (5223)

akta.pro primary industry

Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG)

akta.pro secondary industry

BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD)

Keywords

• AI credit analysis
• Credit risk platform
• Financial document AI
• Credit decision automation
• Credit data enrichment

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, Infrastructure, Marketing or Sales, Operations

Revenue model

1. SaaS Platform / API Licensing: Base39 operates as a licensed software platform with subscription-based and license-based plans. The platform is accessible via web application and API, with white-label capability for partner institutions. Clients pay for data analysis and platform usage based on contracted plans, with automatic renewal. Pricing includes annual price correction by IPCA, quarterly reclassification, and product evolution adjustments.
2. Data Enrichment Services: Base39 enriches client data with external data providers (bureaus, credit services) as part of the platform offering. Additional data enrichment services may be contracted separately, with costs incorporated proportionally to the remaining plan period.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Base39 sells an AI-powered credit analysis platform that automatically interprets Brazilian financial documents (balanços, balancetes, contratos, extratos), enriches them with data from multiple external credit bureaus and market providers via cascading queries, and delivers a credit risk dossier with anomaly detection and actionable insights in approximately 3 minutes. The platform is delivered as a web application, REST API, or white-label interface for banks, lenders, correspondent banks, credit companies, and fintechs in Brazil.

Product overview

Base39 is a fintech that operates as an AI laboratory for credit analysis and risk assessment. The company offers a unified platform centered around the Base39 AI Engine — a proprietary artificial intelligence architecture for financial services. The core Credit Analysis Platform processes financial documents (balanços, balancetes, contratos, extratos) and delivers automated credit risk analysis in 3 minutes. This is complemented by a Data Enrichment Service that enriches documents with external market data through cascading provider queries. The company also provides a White-Label API Platform enabling financial institutions and banking correspondents to integrate Base39's capabilities into their own systems. The platform reduces credit analysis costs by 96% and was developed with support from AWS Generative AI Accelerator and NVIDIA Inception programs.

Differentiator

Problem solved

Functional benefit

Products and services

• Base39 AI Engine (Credit Analysis Platform) Proprietary AI-powered credit analysis platform that automatically interprets Brazilian financial documents (balanços, balancetes, contratos, extratos), enriches them with external data, and delivers a credit risk dossier with anomaly detection in approximately 3 minutes. Sold to banks, lenders, correspondent banks, credit companies, and fintechs.
• Data Enrichment Service Add-on service that enriches Base39's credit analysis with external data from multiple credit bureaus, financial data services, public records, and SCR (Sistema de Informações de Crédito do Banco Central). Queries cascade across providers in cost-optimized order until ideal data is returned.
• White-Label API Platform API and white-label interface that enables financial institutions and banking correspondents to embed Base39's AI credit analysis into their own workflows and customer-facing products, delivering credit risk analysis as a licensed service.

Quantifiable outcome

• Reduces credit analysis cost by 96%
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability7 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core.

• NVIDIA (Inception Program)coreTechnology or Integration · 6 November 2024Base39 joined the NVIDIA Inception program in November 2024. The partnership provides access to NVIDIA Deep Learning Institute credits, preferential pricing on hardware and software, and technical assistance. NVIDIA Inception supports startups at critical development stages, helping Base39 expand AI capabilities in financial analysis using GPU-accelerated computing and deep learning tools.
• Amazon Web Services (AWS)coreTechnology or IntegrationBase39 was selected for the AWS Generative AI Accelerator 2024, receiving up to $1 million in AWS credits, mentorship, and go-to-market support. AWS provides cloud infrastructure (Amazon Bedrock, Amazon OpenSearch previously, AWS cloud services) essential to Base39's AI platform. The AWS Generative AI Innovators program (São Paulo chapter) provides ongoing support.
• MongoDBcoreTechnology or IntegrationMongoDB serves as Base39's primary database and vector search platform. Base39 migrated from Amazon OpenSearch to MongoDB Atlas Vector Search for improved integration, performance, and faster data ingestion and vector search. MongoDB features Base39 as a customer case study highlighting a 96% cost reduction in credit analysis. MongoDB Atlas triggers are used in conjunction with Amazon Bedrock for complex process orchestration.
• LangChaincoreTechnology or IntegrationLangChain is used by Base39 to orchestrate AI models, connecting them fluidly to various data sources and tools. It enables dynamic pipelines that combine language analysis, content generation, and recommendations in a single workflow, accelerating development of customized solutions for credit analysis.
• Amazon BedrockcoreTechnology or IntegrationAmazon Bedrock is used as part of Base39's AI infrastructure, integrated with MongoDB Atlas triggers for orchestrating complex AI processes. Part of the AWS ecosystem supporting Base39's generative AI capabilities.
• Credit Bureaus and Data ProviderscoreTechnology or IntegrationBase39 integrates with multiple credit bureaus and external data providers for data enrichment in credit analysis. Data providers are consulted in cascading order for cost optimization and maximum coverage. Includes services for credit consultation, negative credit listing (negativação), and SCR (Sistema de Informações de Crédito do Banco Central) access.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Serasa Experian: Brazil's dominant credit bureau and decisioning platform, offering credit reports, scores, and analytics to banks and lenders. Comparable to Base39 as the incumbent data layer for credit decisions that Base39's AI Engine augments and challenges.
• Boa Vista SCPC: Brazilian credit bureau serving banks, retailers, and fintechs with consumer and business credit information. Direct overlap with Base39 in providing the underlying credit data and analytics that lenders use for SME and consumer underwriting in Brazil.
• Plaid: Financial data connectivity platform providing bank-account data and income/asset verification to lenders and fintechs. Comparable as infrastructure powering credit and risk decisions, though focused on account-data connectivity rather than document interpretation.

Direct peers

• Ocrolus: AI document automation and cash-flow analytics platform for SMB lending, processing bank statements, tax returns, and financial documents to deliver underwriting insights. Closest direct competitor in AI-driven financial document analysis for credit decisions.

Emerging players

• Creditas: Brazilian fintech offering secured consumer and SMB credit (home, auto, payroll loans) using proprietary credit models and data analytics. Comparable as a Brazilian credit-innovation peer, though Creditas is itself a lender rather than a credit-decisioning infrastructure provider.
• Nova Credit: Cross-border consumer credit data infrastructure translating international credit histories for U.S. underwriters. Comparable as an AI/data layer sitting between raw bureau data and lender decisioning, though focused on consumer credit migration rather than SMB document analysis.
• CanopyServicing: AI-driven loan servicing and analytics platform for consumer and SMB lenders. Comparable as a fintech infrastructure player layering AI onto credit operations, though focused on post-origination servicing rather than underwriting.
• Tractable: AI computer-vision and document-analysis platform originally for insurance claims, with adjacent financial-services applications. Comparable as a generative-AI applied player in document interpretation for risk-bearing decisions, demonstrating the AI-document moat pattern Base39 is pursuing in credit.

Regional players

• Konfío: Mexico-based fintech providing working-capital credit and payment solutions to SMBs using proprietary AI credit scoring. Comparable as a LatAm SMB credit fintech leveraging AI underwriting, but operating in a different national market.
• Z1 (formerly Z1 Bank): Brazilian digital-banking and credit-data platform for teens and young adults building early-stage credit profiles. Comparable as a Brazilian fintech using alternative data and AI for credit underwriting, though focused on a thin-file consumer segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

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 Base39