What Destrava Aí does

Destrava Aí is a Brazilian fintech founded in 2021 in São Paulo that builds infrastructure for managing guarantees on receivables in B2B credit operations. The company's platform provides credit risk control, automatic reconciliation, and customized debt allocation flows for receivables used as collateral, serving investment managers, acquirers, sub-acquirers, FIDCs (investment funds in receivables), securitizers, and consultants in Brazil's credit market. It operates within Brazil's regulated receivables-registration framework, integrating with Banco Central-authorized registradoras to provide accelerated access to receivables-agenda information.

The platform is delivered through three surfaces: a web Dashboard for no-integration onboarding, high-availability cloud APIs for partner integration, and a Full-Service managed-operations model for acquirers with complex chargeback and equipment-rental debt workflows. Underlying technology includes a predictive model for evaluating receivables risk (covering crédito fumaça, antecipação, and collections), anomaly detection for chargebacks, and automated reconciliation engines. The platform evaluates over R$2 billion in daily receivables across 12+ million units and has facilitated more than R$900 million in credit with receivables guarantees.

Destrava Aí monetizes through a dual model combining SaaS subscription fees for dashboard and API access with transaction-based fees derived from 50% of the savings generated on antecipação operations relative to contracted credenciadora rates. Distribution occurs via direct enterprise sales to acquirers and creditors, API distribution to embedded finance partners (ERPs, BaaS providers), and white-label embedding into partner platforms. The company has raised R$4 million in a seed round led by BR Angels in July 2024 and holds key partnerships with Celcoin (BaaS infrastructure), CERC (CRA issuance), and multiple BCB-authorized registradoras.

Name

Destrava Aí

Legal name

DESTRAVA AI FINANÇAS DESCOMPLICADAS LTDA

Website

https://destrava.ai

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Destrava Aí is a Brazilian fintech founded in 2021 that provides infrastructure for managing guarantees on card receivables in B2B credit operations. Its API-first platform serves acquirers, FIDCs, securitizers, and investment managers with predictive risk evaluation, automatic reconciliation, and customizable lien flows for credit with receivables guarantees in Brazil.

Ownership category

akta.pro rank

Product category

Receivables Credit Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Finance Services (6199)

akta.pro primary industry

Decentralized Lending & Credit Markets (overcollateralized/undercollateralized, P2P) (FSAPAEAA)

akta.pro secondary industry

Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers) (FSAPAEAI)

Keywords

• Credit risk infrastructure
• Receivables management platform
• Fintech API platform
• Embedded credit solutions
• Financial risk scoring

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software licensing and subscription fees: Platform access provided through licensed software with temporary, non-exclusive, non-transferable usage. Free access for platform browsing with paid access for specific services. Paid licenses valid for the contracted period with automatic recurring billing.
2. Transaction-based fees (credit operations): For antecipação operations, Destrava Aí retains 50% of the rate savings generated compared to the rate contracted with the credenciadora. This creates a performance-based revenue stream aligned with customer savings.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Destrava Aí provides credit risk management infrastructure for receivables in Brazil, delivering API-first modules that enable financial institutions, acquirers, payment companies, and large merchants to manage credit guarantees, anticipate receivables, and originate credit backed by receivables (credit card, boleto, PIX). The platform combines proprietary credit scoring with real-time market intelligence and offers both self-service APIs and a full-service outsourced credit operations model.

Product overview

Destrava Aí operates as a unified platform providing credit infrastructure with guaranteed receivables for the Brazilian market. The core offering combines a web-based Dashboard and High-Availability Cloud APIs for receivables management, risk assessment, and credit operations. The platform serves acquirers, sub-acquirers, FIDCs, and securitizers with three service modalities: Dashboard (web-based, no-integration start), APIs (cloud-based for partner scalability), and Full-Service (managed operations for acquirers). Key products include receivables guarantee management infrastructure, anticipation services, and credit concession with receivables collateral. The company evaluates over R$2 billion in daily receivables and has facilitated more than R$300 million in credit using guarantees.

Differentiator

Problem solved

Functional benefit

Products and services

• Plataforma Destrava Aí Core credit risk management platform for receivables in Brazil, offering proprietary scoring, real-time market data, guarantee management, and credit operations for financial institutions, acquirers, payment companies, FIDCs, and large merchants.
• APIs Cloud de Alta Disponibilidade High-availability REST APIs that allow clients to integrate credit risk, receivables pricing, guarantee management, and approval workflows into their own systems in days rather than months.
• Dashboard de Gestão Self-service web dashboard for managing receivables portfolios, monitoring credit guarantees, and tracking approvals and recoveries.
• Modelo Full Service Outsourced credit operations model where Destrava Aí handles credit approvals, guarantee management, and recoveries on behalf of clients, retaining 50% of the savings achieved.
• Gestão de Garantias de Recebíveis Module that registers, monitors, and enforces credit guarantees on receivables assets (credit card, boleto, PIX) for lenders and investors.
• Antecipação de Recebíveis Module that enables clients to anticipate receivables from credit card, boleto, and PIX transactions using Destrava Aí's pricing and guarantee infrastructure.
• Concessão de Crédito com Garantia Module that enables clients to originate credit backed by receivables guarantees, including automated approval workflows and risk scoring.

Quantifiable outcome

• R$12 million+ units of receivables evaluated per day
• +2 more outcomes

Named customers16 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Celcoin Instituição de Pagamento S.A.coreTechnology or IntegrationCelcoin provides Banking as a Service (BaaS) infrastructure for Destrava Aí, including PIX transaction execution and payment account services. Destrava Aí acts as technology provider while Celcoin handles account opening and custody. CELCOIN CNPJ: 13.935.893/0001-09.
• CERCminorStrategic or Co-development PartnerDestrava Aí partnered with CERC to enable credit offers using card receivables as guarantee. CERC is a receivables certificate issuer that integrates with Destrava Aí's infrastructure for credit operations.
• Registadoras de Recebíveis (Registradoras)coreTechnology or IntegrationDestrava Aí connects to Banco Central-authorized registradoras for receivables registration. The platform integrates with registradoras to access payment schedules, perform registrations, and manage guarantee liens as mandated by BCB regulations (Resolução BCB nº 403/2023, Resolução CMN nº 4.593/2017).

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Kanastra: Brazilian credit-as-a-service and asset-management infrastructure platform serving FIDCs, securitizadoras and credit originators. Most directly comparable B2B fintech building the rails for receivables-backed credit in Brazil.

Others

• Celcoin: Brazilian Banking-as-a-Service provider and Destrava Aí's stated infrastructure partner (PIX and account services). Comparable as a Brazilian fintech infrastructure company that could expand horizontally into receivables guarantee management.
• CERC: Brazilian receivables certificate issuer that integrates with Destrava Aí for credit operations. Comparable as adjacent receivables infrastructure within Brazil's credit ecosystem and a potential competitor or partner depending on roadmap.

Broad incumbents

• Pomelo: Latin American BaaS and card-processing infrastructure provider operating across multiple countries. Comparable as a broader fintech infrastructure player that could bundle receivables and credit-risk services for its issuing/processing customers.
• Pagar.me: Brazilian payment processor owned by Stripe serving large merchants and marketplaces. Comparable as an incumbent Brazilian payments infrastructure provider that has the engineering depth to build competing receivables and guarantee management capabilities.
• Zoop: Brazilian fintech-as-a-service platform offering payments, banking and credit infrastructure to digital businesses. Comparable as a broad incumbent offering adjacent credit and payment infrastructure that overlaps with Destrava Aí's receivables focus.
• Creditas: Brazilian secured-credit fintech using home, auto and payroll assets as collateral. Comparable for its collateral-management expertise and Brazilian credit infrastructure scale, though focused on consumer rather than B2B receivables.
• Conductor: Brazilian payment-processing and digital-commerce infrastructure provider serving banks and large merchants. Comparable as an incumbent Brazilian payments infrastructure player whose customers overlap with Destrava Aí's acquirer base.

Regional players

• Traive: Brazil- and US-based fintech building credit infrastructure for agricultural and supply-chain receivables. Comparable as a receivables-credit infrastructure peer, though focused on ag rather than card/payment-arrangement receivables.

Emerging players

• Pinflag: Emerging Brazilian fintech building credit and receivables infrastructure for SMBs and lenders. Comparable as a niche, early-stage player addressing similar Brazilian credit-infrastructure use cases, though at smaller scale.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

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 Destrava Aí