What BLU365 does

BLU365 is a Brazilian fintech operating the BLUTech platform, an AI-powered SaaS solution for automated debt collection and credit recovery. Founded in São Paulo in 2014 (with website content referencing operations from 2017), the company targets Brazilian businesses across retail, financial services, and other verticals that need to optimize receivables recovery. The core platform combines artificial intelligence with omnichannel communication to automate billing rules, segment debtors, select optimal contact channels, deploy 24/7 negotiating chatbots, and process payments via PIX. Named customers include Magazine Luiza (Magalu), Havan, and SOS Bolso, with the company claiming impact across multiple major Brazilian retailers and brands.

The underlying technology stack includes an AI customer-profiling engine, autonomous negotiation chatbots, predictive delinquency mapping, and offer-optimization algorithms layered on top of customizable tagging and segmentation rules. The platform is modular, deployed either via API integration with existing CRMs/ERPs/billing systems or as a non-integrated standalone configuration enabling rapid onboarding. A specialized dashboard provides real-time campaign performance monitoring and actionable insights. The 90-day Proof of Concept serves as the primary customer-conversion mechanism, with pricing structured as custom module-based annual subscriptions.

BLU365's go-to-market is sales-led, combining direct enterprise engagement (via email and WhatsApp) with self-serve onboarding for mid-market prospects. Revenue is generated through recurring SaaS subscriptions sold as configurable modules, with no public pricing disclosed. The company is privately held with no parent company disclosed, has received backing from Brazilian investors including MONASHEES, KPTL, Distrito Ventures, Plug and Play, BrazilLAB, MG Tech, and Google for Startups, and operates with a team of 11-50 employees headquartered in São Paulo, Brazil.

Name

BLU365

Legal name

BLU365

Website

https://empresas.blu365.com.br

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

BLU365 operates BLUTech, an AI-powered SaaS platform that automates debt collection and credit recovery for Brazilian businesses across retail, financial services, and other verticals, using autonomous chatbots, predictive segmentation, and PIX payment integration.

Ownership category

akta.pro rank

Product category

Debt Collection Software

NAICS

Activities Related to Credit Intermediation (5223), Software Publishers (513210)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Prepackaged Software (7372)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

Keywords

• Debt collection software
• Credit recovery platform
• Accounts receivable automation
• AI-powered collections
• Billing automation software

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: Modular SaaS platform with subscription-based pricing. Customers can select only the modules relevant to their business, paying for specific functionality needed. Implementation can be done with or without system integration, with rapid deployment options available.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

BLU365 sells the BLUTech platform, an AI-powered SaaS that automates debt collection and credit recovery for Brazilian businesses. The platform combines intelligent billing automation, AI-driven customer profiling, autonomous 24/7 chatbots, omnichannel communication, and instant PIX payment processing in a modular system that can be deployed with or without API integration. Customers can also acquire non-performing loans (NPL) through the company.

Product overview

BLU365's BLUTech is a modular AI-powered credit collection and recovery platform that combines automation and data-driven intelligence. The core BLUTech platform delivers a 100% automated collection ruler with intelligent segmentation, real-time monitoring, and PIX payment processing, while the BLU Campaign module enables agile campaign dispatches and instant payments. Companies can engage via the 90-day POC trial to evaluate results before full implementation. The platform supports both API-based integration with existing CRMs, ERPs, and billing systems, or deployment without integration for rapid activation.

Differentiator

Problem solved

Functional benefit

Brands

• BLUTech: AI-powered intelligent debt collection platform that automates billing, uses intelligent segmentation, personalized messaging, real-time monitoring, and PIX payments.
• BLU Campaign

Products and services

• BLUTech Platform Modular AI-powered SaaS platform that automates credit recovery and debt collection workflows for Brazilian businesses, featuring intelligent segmentation, omnichannel outreach, autonomous chatbots, real-time dashboards, and PIX-based instant payments; deployable with or without API integration.
• BLU Campaign Campaign management module within BLUTech that enables agile, rapid message dispatches and instant PIX payments, allowing businesses to launch and scale only the winning campaigns based on real-time results.
• BLUTech 90-Day POC 90-day proof-of-concept trial that allows Brazilian companies to evaluate BLUTech's automated debt collection performance and ROI in a live environment before committing to a full subscription.

Quantifiable outcome

• 100% automated billing rules
• +3 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature8 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• EOS Group: EOS Group is a global financial services company specializing in receivables management and debt collection across multiple geographies. It compares to BLU365 on the receivables management use case, but operates at much larger scale and breadth rather than as an AI-native SaaS specialist.
• Serasa Experian: Serasa Experian is Brazil's dominant credit bureau and a broad provider of credit information, analytics, and recovery-related services. It competes with BLU365 at the intersection of credit data and recovery, but as a much larger incumbent with a wider portfolio beyond pure-play collection technology.
• NICE Actimize: NICE Actimize provides enterprise financial crime, risk, and compliance software to banks and financial institutions, with solutions touching collections and customer engagement. It overlaps with BLU365 on the enterprise financial software layer for credit workflows but is a broader platform play rather than a focused collection AI product.
• PagBank PagSeguro: PagBank/PagSeguro is a major Brazilian fintech offering payments, acquiring, and credit solutions to merchants and SMBs. It is comparable to BLU365 on Brazilian fintech DNA and PIX/payments ecosystem participation, though it is much broader than debt recovery and represents potential partnership or competitive overlap in retail credit.

Emerging players

• ClearSale: ClearSale is a Brazilian fraud prevention and risk analytics company serving e-commerce and financial services. It is adjacent to BLU365 on the Brazilian risk/credit technology stack and shares similar customer verticals (large Brazilian retailers and fintechs), making it a relevant comparison on go-to-market and AI-driven risk tooling.

Direct peers

• Recovery do Brasil: Recovery do Brasil is one of Brazil's largest debt collection and credit recovery firms, serving banks, retailers, and telecom operators. It overlaps with BLU365 on customer base (large Brazilian creditors), use case (credit recovery), and the combination of services plus technology that BLU365's NPL acquisition arm mirrors.
• CollectAI: CollectAI (part of the Riverty/ Bertelsmann ecosystem) provides AI-driven digital debt collection and payment solutions for enterprises across Europe. It is comparable to BLU365 on AI-led omnichannel collection and B2B SaaS delivery to large creditors.
• InDebted: InDebted provides AI-powered digital debt collection with omnichannel communication and consumer-first design, serving lenders and creditors globally. It overlaps with BLU365 in product approach (AI-led recovery, automated negotiation) and customer profile (enterprise creditors replacing traditional agencies).
• TrueAccord: TrueAccord is a US-based AI-native digital debt collection platform that uses machine learning and personalized messaging to recover consumer debt. It is directly comparable to BLU365's BLUTech on product (AI-driven omnichannel collection), target customer (creditors seeking automation), and business model (SaaS with performance elements).
• Skit.ai: Skit.ai offers AI voice and chat agents purpose-built for collections, automating inbound and outbound recovery conversations. It is a direct competitor on the autonomous negotiation chatbot capability that BLU365 highlights as a core differentiator.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks2 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/blue365
• Instagraminstagram.com/blutech.ai

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds7 records

Investors7 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 BLU365