Ouribank

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.

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

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

• Foreign exchange services
• International payments
• Cross-border banking
• FX hedging solutions
• Investment products

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. Credit Products Interest: Interest income from domestic and international credit lines offered to companies for expansion and working capital purposes.
3. Real Estate Fund Administration: Fees earned from administering real estate investment funds (FII), including fiduciary management services for multiple fund products.
4. 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

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core 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

Named customers1 record

Segments10 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

One partnership is on record.

• XTransfercoreStrategic or Co-development Partner · 13 March 2025XTransfer 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

Broad 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

• YouTubeyoutube.com/channel/UC-OUZ9NS460ADDmKi0GJLNQ
• Facebookfacebook.com/Ouribank
• LinkedInlinkedin.com/company/ouribank
• Instagraminstagram.com/ouribank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries17 records

Funding overview

Funding rounds

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 Ouribank