Paketá

What Paketá does

Paketá (legal name: Paketá Serviços Financeiros Ltda.) is a Brazilian fintech founded in 2018 and headquartered in São Paulo that provides payroll-deducted credit products to workers holding formal CLT employment contracts. The company operates as a bank correspondent of QI Sociedade de Crédito Direto S.A., partnering to originate loans under Brazil's Crédito do Trabalhador framework established by Medida Provisória n° 1.292/2025, and reaches customers primarily through deep integration with the government's CTPS Digital app and employer-side eSocial systems. Core products include the Crédito do Trabalhador (payroll loan at rates up to 4x lower than traditional personal loans), the older Empréstimo Consignado, and a salary-advance product (Antecipação de Salário), all serviced through a digital platform covering simulation, document submission, biometric identity verification (facial and digital), automated credit analysis, digital signature, and PIX-based fund disbursement within approximately 24 hours of approval. Loan repayment is automatically deducted from monthly payroll, with terms up to 60–72 months and installment caps of approximately 35% of net salary.

The platform's distribution architecture is anchored in three government system integrations: CTPS Digital (loan discovery and application), eSocial (payroll-deduction execution and employer onboarding), and a banking-correspondent wrapper with QI Tech that provides the underlying lending license. Paketá earns revenue primarily through correspondent banking commissions on loan volume, plus embedded origination and servicing fees priced into the loan's Custo Efetivo Total (CET). Its target segments include all Brazilian CLT workers — explicitly including those with negative credit histories — differentiated by accessibility, near-instant digital onboarding, and rate advantage versus traditional consumer credit channels. The company has reported R$ 3 billion+ in cumulative loans to 1 million+ workers since inception and is recognized via the Reclame Aqui Verified Seal and ABCD associate-member compliance credential. Operating capital includes a R$ 300 million credit line from A Milênio Capital (with R$ 100M utilized) and strategic participation from Itaú Unibanco, with the company led by founder Fabian Valverde (CEO) and operating with 51–100 employees.

Name

Paketá

Legal name

Paketá Serviços Financeiros Ltda.

Website

https://paketa.com.br

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

51–100 employees

Short description

Paketá is a Brazilian fintech operating as a banking correspondent of QI Sociedade de Crédito Direto, providing 100% digital payroll-deducted Crédito do Trabalhador loans to CLT workers nationwide via CTPS Digital and eSocial integrations, having served 1 million+ borrowers with R$ 3 billion+ in cumulative origination since 2018.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Digital Identity, eKYC & Borrower Verification (Lending-Focused) (FSAGAHAF)

Keywords

• Payroll loan services
• Digital lending platform
• Worker credit products
• Consigned credit Brazil
• CLT employee loans

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Loans: Paketá generates revenue primarily through interest charged on Credit do Trabalhador loans. As a correspondent bank, Paketá facilitates loans originated by QI Sociedade de Crédito Direto and earns a spread or commission on the loan value.
2. Loan Origination Fees: Fees collected from the loan origination process, including setup and servicing fees embedded in the loan's Custo Efetivo Total (CET).
3. Correspondent Banking Services: As a correspondent bancário (banking correspondent) of QI Sociedade de Crédito Direto S.A., Paketá earns commissions for facilitating loan products and providing digital infrastructure for loan processing.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Paketá is a Brazilian digital fintech that originates payroll-deducted personal loans (Crédito do Trabalhador) for formal CLT workers, operating as a correspondent bank of QI Sociedade de Crédito Direto S.A. Workers apply through the government CTPS Digital app, complete biometric verification and digital signatures, and receive funds via PIX within 24 hours, with repayment automatically deducted from salary via eSocial. Interest rates are up to 4x lower than traditional personal loans, and the product is accessible to workers regardless of credit history status.

Product overview

Paketá operates as a digital fintech platform offering payroll-deducted credit products primarily for Brazilian CLT workers. The core offering consists of Crédito do Trabalhador (new consigned loan via MP 1.292/2025), which replaced the older Empréstimo Consignado model, supplemented by salary advance (Antecipação de Salário). The platform functions as a correspondent bank for QI Sociedade de Crédito Direto S.A., integrating with government systems including CTPS Digital and eSocial to enable 100% digital loan origination with automatic payroll deduction. Users access products through the CTPS Digital app, with Paketá handling the application flow, credit analysis, and ongoing loan management through its web platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito do Trabalhador (Worker Credit / Payroll Loan) Payroll-deducted loan product for CLT (carteira assinada) workers, allowing borrowing up to 35% of net salary with repayment deducted directly from monthly pay. Offers rates up to 4x lower than traditional personal loans, with 100% digital application process via CTPS Digital integration. Accessible to workers with negative credit history. Loan terms up to 60-72 months, with 7-day cooling-off period.

Quantifiable outcome

• Interest rates up to 4x lower than traditional personal loans
• +4 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core and minor.

• QI Sociedade de Crédito Direto S.A. (QI Tech)coreTechnology or IntegrationPaketá operates as a correspondent bank (correspondente bancário) of QI Sociedade de Crédito Direto S.A. (CNPJ 32.402.502/0001-35). Workers select QI Tech's proposal in CTPS Digital to contract through Paketá. QI Tech provides the lending license while Paketá handles customer acquisition and servicing.
• Associação Brasileira de Crédito Digital (ABCD)minorOthersPaketá is a member of ABCD, Brazil's digital credit association. The company complies with ABCD's code of conduct (Orientações de Condutas) based on market best practices.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• RecargaPay: Brazilian fintech with PIX, prepaid, and consumer credit products targeting underbanked workers. Comparable as a digital-first, mobile-led lender serving similar worker demographics.
• Geru: Brazilian fintech offering online personal loans to middle- and lower-income consumers, including those with credit restrictions. Comparable in digital origination and underserved-segment focus.

Direct peers

• QI Tech (QI Sociedade de Crédito Direto): Paketá's banking correspondent and the entity that holds the lending license used to originate all Paketá loans. Operates the same Brazilian regulatory framework and shares the CTPS Digital distribution model for CLT workers.
• Will Bank: Brazilian digital bank purpose-built for CLT workers, offering payroll-deducted loans (Crédito Consignado) and salary-advance products. Closest direct competitor in the CLT-focused, payroll-credit niche.
• Creditas: Brazilian digital lending platform offering consumer-secured credit (home equity, auto, payroll). Comparable in product-led digital origination, automated credit decisioning, and fintech-driven distribution.

Broad incumbents

• Banco BMG: Long-established Brazilian commercial bank specializing in payroll-deducted credit (consignado) and digital consumer lending. A leading incumbent in the same core product category as Paketá.
• Crefisa: Brazilian consumer finance company focused on payroll-deducted and personal loans, including to underbanked workers. Directly competes in the consignado and negative-credit segments.
• Nubank: Brazil's largest digital bank, offering personal loans, payroll loans, and credit cards to tens of millions of Brazilian consumers. Competes for the same CLT-worker digital lending wallet, with broader product breadth and stronger funding.
• Banco Inter: Brazilian digital bank offering payroll-deducted credit (consignado) alongside broader consumer banking. Competes in CTPS-channel and employer-channel payroll loan distribution.
• Mercado Pago: Large Brazilian fintech (Mercado Libre subsidiary) offering consumer credit, PIX-based lending, and merchant credit products to a comparable worker/SMB base. Competes for the digital consumer credit wallet across Brazil.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/paketacredito

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds5 records

Investors5 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 Paketá