Ouribank
Ouribank is a Brazilian Banco Múltiplo (multiple bank) specializing in foreign exchange and cross-border payments for enterprises, fintechs, marketplaces, and individuals, offering API-based integration, PIX connectivity, and 40+ years of FX expertise processing R$ 160 billion in 2025 transactions.
- Company typePrivate
- Founded1979
- HeadquartersSão Paulo, Brazil
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Ouribank does
Ouribank S.A. Banco Múltiplo is a privately held Brazilian multiple bank headquartered on Avenida Paulista in São Paulo, founded in 1979 (previously operating as Ourinvest) and part of the Ourinvest Group. The bank is regulated by the Central Bank of Brazil and holds an A.Br credit rating with Positive outlook. It specializes in foreign exchange and cross-border payment services, processing R$ 160 billion in FX transactions across 2.35 million operations in 2025 and posting an 86.9% five-year CAGR in transaction volume. Its core customer base spans enterprise and mid-market companies, individuals, fintechs, marketplaces, remittance firms, tourism agencies, FX correspondents, shippers, lawyers, and other financial institutions across Brazil with emerging Latin America focus.
The product portfolio includes Câmbio e Pagamento (FX and international payments), Crédito e Garantias (domestic and international credit lines), Proteção Cambial (currency hedging via Lock and NDF instruments), specialized accounts including non-resident accounts, and a full investment suite (CDB, LCI, LCA, and 17 administered FIIs under fiduciary management). The Hub de Soluções serves as the technology layer, providing APIs and integration systems — including PIX connectivity for BRL payments — that allow fintechs, marketplaces, and financial institutions to embed Ouribank's FX, compliance, and account-opening capabilities into their own platforms. The bank runs a cloud-based digital banking platform with proprietary API infrastructure and has achieved a 60% reduction in cloud costs via FinOps in the first year of implementation.
Ouribank operates a multi-channel go-to-market model combining direct specialist sales for enterprise and mid-market clients, self-service digital platforms for individuals and SMBs, and a partner network of FX correspondents, facilitators, remittance companies, and other financial institutions. Revenue is generated through FX transaction fees, credit interest income, fiduciary administration fees on FIIs, and proprietary fixed-income product distribution, with custom multi-year pricing for enterprise/B2B solutions. Strategic positioning emphasizes regulatory credibility, 40+ years of FX domain specialization, and platform-based distribution through the Hub de Soluções, with a notable March 2025 partnership with XTransfer to serve Brazil–China cross-border trade flows.
Ouribank firmographics
Firmographics- Name
- Ouribank
- Legal name
- Ouribank S.A. Banco Múltiplo
- Website
- https://ouribank.com
- Company type
- Private
- Founded year
- 1979
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Ouribank is a Brazilian Banco Múltiplo (multiple bank) specializing in foreign exchange and cross-border payments for enterprises, fintechs, marketplaces, and individuals, offering API-based integration, PIX connectivity, and 40+ years of FX expertise processing R$ 160 billion in 2025 transactions.
- Ownership category
- akta.pro rank
Ouribank industry classification
Industry- Product category
- Foreign Exchange Banking
- NAICS
- Commercial Banking (52211)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
- akta.pro secondary industries
- Cross-Border & FX Payments Platforms (BPAMAFAK), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
Keywords
Where Ouribank is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Ouribank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Foreign Exchange Transaction Fees: Revenue generated from foreign exchange operations including international payments, receipts, and remittances. The bank processed R$ 160 billion in FX transactions in 2025 with 2.35 million operations.
- Credit Products Interest: Interest income from domestic and international credit lines offered to companies for expansion and working capital purposes.
- Real Estate Fund Administration: Fees earned from administering real estate investment funds (FII), including fiduciary management services for multiple fund products.
- Investment Products Distribution: Revenue from distribution of fixed income products including CDB, LCI, and LCA. The bank issues and distributes its own investment products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Enterprise/B2B solutions - custom pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Ouribank product offering
Product offeringCore offering
Ouribank is a Brazilian multiple bank (Banco Múltiplo) specializing in foreign exchange and international banking services. It provides international payments, currency exchange, FX hedging instruments (Lock, NDF), credit lines for trade operations, specialized accounts including non-resident accounts, and investment products (CDB, LCI, LCA, FIIs). The bank also offers an API-based Solutions Hub enabling partner integration and automated exchange operations, with PIX integration for local Brazilian Real transactions.
Product overview
Ouribank is a Brazilian multi-service bank (Banco Múltiplo) specializing in international financial operations, particularly foreign exchange (câmbio). The product portfolio consists of core banking products including Câmbio e Pagamento (exchange and payments), Crédito e Garantias (credit and guarantees), Proteção Cambial (foreign exchange protection), Contas (specialized accounts), and a Solutions Hub with APIs for system integration. The bank also offers a full suite of investment products including CDB (Bank Deposit Certificates), LCI (Real Estate Credit Letters), LCA (Agribusiness Credit Letters), and manages Real Estate Investment Funds (FIIs). The Solutions Hub serves as the technology layer enabling partners and clients to integrate via APIs for automated exchange operations.
Differentiator
Problem solved
Functional benefit
Products and services
- Câmbio e Pagamento (Exchange and Payment) International exchange and payment services enabling businesses to make and receive international payments with security, supporting remittances and foreign exchange transactions.
- Crédito e Garantias (Credit and Guarantees) National and international credit lines for companies that want to expand internationally, including import and export financing solutions.
- Proteção Cambial (Foreign Exchange Protection) Currency hedging services providing predictability in international operations, allowing companies to lock in exchange rates through Lock, NDF, and hedge cambial instruments.
- Contas (Accounts) Specialized accounts for facilitating global operations, including national accounts and accounts for non-residents.
- Hub de Soluções (Solutions Hub) Technology solutions hub that creates efficient, integrated, and automated digital journeys. Provides APIs and integration systems for financial services enabling partner automation.
- APIs e Sistemas de Integração (APIs and Integration Systems) Developer-facing APIs enabling system integration and automation of exchange operations. Supports bank account integrations, payment integrations including PIX, and custom integrations for international operations.
- Real Estate Real estate investment and financing solutions offered through the bank's fiduciary administration and credit operations.
- Administração Fiduciária (Fiduciary Administration) Fiduciary administration services, including administration of real estate investment funds (FIIs) with internal controls and constant reviews to mitigate risks.
- Certificado de Depósito Bancário (CDB) Bank deposit certificates issued by financial institutions representing a promise of future payment of deposited amounts plus agreed remuneration. Available with fixed or post-fixed rates, including daily liquidity options.
- Letra de Crédito Imobiliário (LCI) Fixed income securities backed by real estate credit operations, exempt from income tax for individuals. Subject to minimum maturity periods based on indexer type.
- Letra de Crédito do Agronegócio (LCA) Fixed income securities backed by agribusiness credit operations, exempt from income tax for individuals and with zero IOF tax. Supports rural producer financing.
- Fundos de Investimento Imobiliários (FII) Real estate investment funds under fiduciary administration, with internal controls and reviews to mitigate risks. Target audience includes individuals and legal entities with moderate profile and institutional clients.
Quantifiable outcome
- Processed R$ 160 billion in foreign exchange transactions in 2025
- +2 more outcomes
Companies that use Ouribank
Customer profileNamed customers1 record
Segments10 records
Ideal customer profiles3 records
Ouribank technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Ouribank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- XTransfercoreXTransfer and Ouribank formed a partnership to improve cross-border payment and foreign exchange services for businesses in Brazil and Latin America. The collaboration enables clients to receive and make payments in Brazilian Real (BRL) through local payment systems like PIX. The partnership supports China's trade with Brazil, which is significant in Latin American trade, and is expected to enhance trade transactions in the region.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Ouribank competitors and assessment
Company assessmentBroad incumbents
- Western Union: Global money transfer and FX services giant with deep presence in Brazil and LATAM corridors. Comparable as a large incumbent offering cross-border FX/remittance products overlapping with Ouribank's remittance and correspondent segments.
- Nubank: Largest Brazilian digital bank offering retail and business accounts, payments, and increasingly international services. Comparable as a Brazilian-licensed bank with an API/digital platform stack targeting cross-border payments and FX.
- Inter&Co: Brazilian digital bank and fintech super-app offering accounts, credit, payments, FX, and investment products. Comparable as a multi-product Brazilian bank expanding digital cross-border and FX capabilities.
Direct peers
- EBANX: Brazil-anchored cross-border payments fintech offering local payment methods (including PIX) to global merchants. Comparable as a LATAM-focused payments infrastructure competitor leveraging Brazilian rails and FX.
- dLocal: Cross-border payments infrastructure focused on emerging markets, particularly LATAM, providing merchant pay-in/pay-out and FX routing via APIs. Comparable on the embedded cross-border payments infrastructure positioning serving global merchants in Brazil.
- Confidence Câmbio: Brazilian FX/câmbio specialist offering foreign exchange, international remittances, and correspondent banking services to companies and individuals in Brazil. Most directly comparable Brazilian FX-specialist competitor.
- Wise: Global cross-border payments platform offering multi-currency accounts and low-cost FX transfers to both consumers and businesses via API. Most directly comparable on the API-first cross-border FX/payments model Ouribank sells to fintechs and marketplaces.
Emerging players
- PingPong Payments: Cross-border payments platform serving Chinese exporters and global marketplaces with FX and settlement. Comparable on cross-border B2B payment infrastructure and FX processing for trade corridors.
- XTransfer: China-headquartered cross-border B2B payments platform focused on China-export trade flows. Direct strategic partner of Ouribank; comparable in serving cross-border trade FX and payments between China and emerging markets.
Regional players
- Travelex: Global foreign exchange and remittance specialist with Brazilian operations providing FX services to consumers and businesses. Comparable as an FX-led counterpart operating in the same Brazil-based retail and corporate FX market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Ouribank social profiles
Digital presenceOuribank compliance and trust
Trust signalCompliance1 record
Ouribank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ouribank leadership team
Management profileNumber of profiles
Profiles1 record
Ouribank subsidiaries and ownership
Company hierarchySubsidiaries17 records
Ouribank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ouribank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ouribank
What does Ouribank do?
Ouribank is a Brazilian multiple bank (Banco Múltiplo) specializing in foreign exchange and international banking services. It provides international payments, currency exchange, FX hedging instruments (Lock, NDF), credit lines for trade operations, specialized accounts including non-resident accounts, and investment products (CDB, LCI, LCA, FIIs). The bank also offers an API-based Solutions Hub enabling partner integration and automated exchange operations, with PIX integration for local Brazilian Real transactions.
Is Ouribank a public or private company?
Ouribank is a private company. It is classified as corporate owned and is currently operating.
When was Ouribank founded?
Ouribank was founded in 1979. It employs 251 to 500 people.
Where is Ouribank based?
Ouribank is headquartered in São Paulo, Brazil, in the Latin America region.
How does Ouribank make money?
Four revenue lines are on record. Foreign Exchange Transaction Fees are the primary driver. The others are credit Products Interest, real Estate Fund Administration and investment Products Distribution.
Who are Ouribank's main competitors?
Broad incumbents on record are Western Union, Nubank and Inter&Co. Direct peers are EBANX, dLocal, Confidence Câmbio and Wise. Emerging players are PingPong Payments and XTransfer. Travelex is listed as a regional player.
Does Ouribank have an API?
Yes. Ouribank offers APIs and integration systems that enable system integration and automation of exchange operations. The solutions cover the entire international payment process, from account opening to compliance completion and exchange closure. Integration types include bank account integrations, payment and receipts integrations (particularly PIX), and custom integrations for international operations. The developer portal is available at developers.ouribank.com. Developer documentation is at developers.ouribank.com/pt.
What industry is Ouribank in?
Ouribank's product category is Foreign Exchange Banking. Its primary akta.pro industry code is FSAGABAK, Cross-Border FX, Multi-Currency & Treasury for Payments, with a secondary code of BPAMAFAK, Cross-Border & FX Payments Platforms. Its NAICS code is 52211 and its SIC code is 6021.